Is the original owner required for insurance claims on mortgaged vehicles?

1 Answers
JessicaDella
07/29/25 10:09am
Insurance claims for mortgaged vehicles do not require the original owner. Here are the relevant details: Article 4: If a motor vehicle that has been transferred multiple times without completing the transfer registration is involved in a traffic accident causing damage, and the responsibility lies with the vehicle's party, the court shall support the request for the last transferee who received and took delivery of the vehicle to bear the compensation liability. Reporting to the insurance company: Typically, after a traffic accident occurs, the vehicle owner must report the incident to the local traffic management authorities and also report to the insurance company within 48 hours of the accident. On-site accident investigation and inspection: Upon receiving the claim report, the insurance company should immediately arrange for its claims personnel or authorized appraisal agencies, technical inspection agencies, or overseas agents to investigate the accident scene, assess the extent of the losses, and preliminarily collect evidence and information related to the nature, cause, and extent of the accident to determine whether the accident falls within the scope of insurance coverage.
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