What to do if the original owner's insurance is not transferred?
4 Answers
If the division of responsibility is unclear, directly call the traffic police to clarify. Call the insurance company to report the case, wait for the insurance surveyor to arrive at the scene to take photos, and guide the repair location. The entire process, including repair material procurement, quotation for damage assessment, and repair control, is handled by the 4S shop personnel. During the vehicle repair process, the insurance company will finalize the price, and the owner can proceed with settlement and claims. The owner should verify the insurance company's pricing, pay the repair cost first, and then take the repair invoice to the insurance company's counter to process the claim.
It's really frustrating to encounter a situation where the previous owner hasn't transferred the insurance. I once helped a friend deal with a similar issue. You need to quickly contact the original owner and go together to the insurance company to complete the transfer procedures. Remember to bring the vehicle registration certificate, copies of both parties' ID cards, the new vehicle license, and the original insurance policy, and fill out an endorsement application. Don't delay this process, because if the names don't match when making a claim, the insurance company might reject it. Also, the insurance premium rate may be adjusted after the transfer, especially for commercial insurance, so make sure to ask about any price differences in advance. If you can't find the original owner, it's advisable to simply take out a new policy. Although you might lose some premium, it's much more convenient. Remember, when buying a used car in the future, always confirm the insurance transfer status on the spot. This small detail can save you from big troubles.
Not transferring the insurance is quite risky. In case of an accident, the claims process could be very troublesome. I recommend handling this immediately in three steps: First, directly contact the original owner to negotiate a time for the transfer, bringing all the vehicle documents and ID cards. Secondly, if the original owner cannot be reached, you can try to apply for the change at the insurance company yourself with the purchase contract, as some companies accept applications from the new owner alone. Lastly, if all else fails, just re-insure the vehicle—don't hesitate over the small premium. The key is to check whether both the compulsory traffic insurance and commercial insurance have been transferred, as many owners tend to overlook the commercial insurance. Also, pay extra attention when driving, as this situation might affect the vehicle's annual inspection, which needs to be addressed in advance.
I completely understand this issue! If the insurance is not transferred, the beneficiary remains the previous owner. The best approach is to immediately visit the insurance company's counter with the original owner to process the endorsement, which can be done in just 30 minutes. Required materials include the new vehicle license, transfer invoice, and photocopies of both parties' ID cards. If the original owner is uncooperative, call the insurance company's customer service to explain the situation—some companies may process the change with just the used car transaction certificate. Never wait until a claim arises to handle this, as the claim payment might go to the original owner, and you'd have to sue to recover it. Also, remember to process both compulsory traffic insurance and commercial insurance simultaneously, ensuring no policy is overlooked.
