How to Purchase Insurance for a Second-hand Car Without Transfer of Ownership?
1 Answers
If the car has not been transferred, it still belongs to the original owner and has nothing to do with you. To handle insurance, the original owner must provide their ID card and vehicle license. You cannot handle it yourself. Precautions for transferring insurance are as follows: Location for transferring insurance: Generally, the place where you purchase insurance and the place for transferring insurance must be the same. If the vehicle insurance was purchased in another city or province, the local insurance company staff can assist the customer in contacting the relevant parties if all required documents are provided. Documents required for transferring insurance: ID cards of the original owner and the new owner, the new owner's driving license, vehicle registration certificate, compulsory insurance, and commercial insurance policy. Since commercial insurance is voluntarily purchased by the original owner and the ownership belongs to them, the original owner's ID card and their consent are required for the transfer of commercial insurance. Below is a detailed introduction to car insurance: Overview: Vehicle insurance, also known as motor vehicle insurance or auto insurance, refers to commercial insurance that covers personal injury, death, or property damage caused by natural disasters or accidents involving motor vehicles. Origin: Car insurance is a type of property insurance. In the field of property insurance, car insurance is relatively young, as it emerged and developed alongside the appearance and popularization of automobiles. Characteristics: Unlike modern motor vehicle insurance, early car insurance primarily focused on third-party liability insurance and gradually expanded to cover risks such as collision damage to the vehicle body.
