With the continuous progress of society and the continued popularity of small cars, the used car market has also emerged. According to professional statistics. In 2007, the nation’s used cars have already exceeded 2 million. A large part of the vehicles come with auto insurance. How to understand the condition of second-hand vehicles' motor insurance specifically also from the following text:
Second-hand vehicle insurance special service varies in scope
In the process of second-hand vehicle transfer transactions, the types of vehicle insurance provided by vehicles are generally classified into two types: commercial insurance and TAC insurance, but they do not have the same payment after the transfer of used vehicles.
Traffic insurance generally can receive some compensation after a traffic accident in a vehicle, but according to the insurance staff, the biggest beneficiary of the traffic risk insurance is generally the owner of the vehicle. It is a kind of tough insurance prescribed by law. It targets the protection of personal vehicles in our daily lives. As long as the prescribed insurance period is valid, whether or not the owner is replaced does not affect its effectiveness. Therefore, we do not have to make corrections when we pay high-risk insurance. In the event of an accident, insurance companies should also take responsibility. However, China does not currently recognize this claim. They must correct the strong insurance, or the company will not pay claims. The reason is that the owner is not the same, so the risk is not the same.
The situation of commercial insurance is rather special. Many people cannot enjoy commercial insurance after the transfer of their vehicles. The reason is that during the period of insurance, regardless of the vehicle being resold or giving away to others, the owner of the vehicle should directly notify the insurance company to apply for correction. If it does not change, it will not be able to enjoy claims.
Pay attention to insurance transfer items:
Although the used car is cheap, the transfer process is much more complicated than the new car. Handle a lot of relevant procedures. In the process of handling, what factors should we pay attention to? According to relevant sources, when consumers purchase used cars, it is best to understand clearly whether the car has handled compulsory insurance and commercial insurance. If the owner of the vehicle is insured by himself, he shall also make changes to the auto insurance procedures with the new owner in a timely manner within the specified period of validity. If the owner is not insured, we'd better let the owner go to reinsurance first. In order to avoid accidents, the loss is our consumers. If we think that the insurance transaction procedure is too much trouble, we can first retired the original insurance, and then buy it again, but as consumers we will have to spend more.
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