Second hand car compulsory insurance does not need to be transferred

If you buy a second-hand car, it is best to handle the transfer of compulsory traffic insurance in time.

After the vehicle management department completes the vehicle transfer procedures, it is best to go to the insurance company to handle the transfer in time.

General information required for transfer: vehicle registration book, new driving license, copy of ID card of new and old car owners, second-hand car transaction invoice, and insurance approval application (this is the document provided by the insurance company).

Correction fee: The insurance company does not charge a correction fee. If there is a change in the premium, there will be a refund of the excess and the deficiency compensation.

Changes in insurance premiums mainly exist between unit owners and individual car owners, or changes in the nature of vehicle use.

For example, for the same passenger car with less than 6 seats, the standard premium of compulsory traffic insurance for unit owners is 1,000 yuan, and the standard insurance for individual owners is 950 yuan. Therefore, if the owner is transferred from a unit to an individual, or an individual to a unit, there will be a difference in the premium, of course, this difference is very small.

The impact of not being in the house:

Although it is said that compulsory traffic insurance does not follow the person, with the transfer of vehicle ownership, the insurance rights are also transferred accordingly. This means that the insurance is still valid.

If the insurance transfer is not carried out, the compensation will be affected in the event of a case. However, if the insured of the policy is changed to the new owner, then the default insured in the insurance company's system is the original owner, and the insured is the beneficiary by default. Therefore, in this case, it will affect the payment of claims.

That is, to whom the money is remitted.

However, there is also an inconvenience for the household, when the case is reported, the owner of the car is changed, and the license plate number is also new. Therefore, only the new car owner can quickly complete the report by remembering the policy number or car owner information, which is not realistic.

All in all, if an accident occurs, the transfer must be completed before the payment is made at the latest. Wouldn't it be easier to correct it earlier?

Of course, the accident is just accidental, and when the annual inspection expires, the original compulsory traffic insurance policy has not expired? In this case, the DMV will require the vehicle owner to have an endorsement form in order to complete the visa. Because the policy information does not match the driving license information.

Advice after closing:

As a second-hand car owner, it is best to purchase a commercial insurance within your ability, at least a third-party liability insurance, to reduce the risk of using the car. A compulsory traffic insurance is too thin.

If the insurance period is generally one year, in fact, you can also choose to buy a short-term in the first year, and the expiration date of commercial insurance is the same as that of compulsory insurance, so as to avoid forgetting and getting out of insurance.

Not only compulsory traffic insurance, but also the commercial insurance and compulsory traffic insurance of the vehicle need to be transferred after the transfer of ownership of second-hand cars.

For the sale of second-hand cars, your insurance is the best, or you must do it, otherwise you will also have all kinds of troubles, and this insurance needs to be communicated.

Insurance can be transferred based on the vehicle. No problem.

1. Do I need to transfer the ownership of the second-hand car compulsory insurance?

1. The second-hand car compulsory insurance needs to be transferred. Compulsory traffic insurance is mandatory by the state, regardless of whether the vehicle is used at a loss. Compulsory traffic insurance is mandatory to pay before the vehicle is scrapped, even if there is a missed payment, it must be paid when the vehicle is transferred or scrapped.

Therefore, when the second-hand car is transferred, it is necessary to negotiate the issue of the transfer of the second-hand car compulsory insurance, and if the vehicle does not have the compulsory insurance, it must be paid in time.

2. Legal basis: Article 18 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

If the ownership of the insured motor vehicle is transferred, the formalities for changing the compulsory insurance contract for motor vehicle traffic accident liability shall be completed.

2. What information is required for the transfer of compulsory traffic insurance?

1. The original and copy of the seller's ID card;

2. The original and copy of the buyer's ID card;

3. The original purchase invoice of the vehicle or the original and copy of the last transfer invoice;

4. Motor vehicle registration certificate and copy of the vehicle;

5. The original and copy of the vehicle driving license;

6. The old motor vehicle sales contract shall be collected by the market or brokerage company.

The owner of the car can bring the original ID card to the insurance company and submit a written application to make changes. If it is not handled in person, the agent also needs to bring the power of attorney to the insurance company to handle it.

<> "Pro, you must notify the insurance company in time and change your name."

There is no need, the general second-hand car compulsory insurance does not take long, even if the transfer of the next cycle of premiums will not have a preferential fee, what to do, and when it expires, you can pay it yourself.

Hello handcar compulsory insurance, no need to transfer ownership can also be used directly at that time, with the car, I hope mine will help you, hope, thank you.

If it is not mandatory to need to transfer, if you are not at ease, you can transfer the ownership, and you can change it to your own name after the normal expiration.

However, it is okay to have an account, and it will be invalid when it expires.

1. It is okay to have compulsory traffic insurance for second-hand cars.

2. After the sale of Kaicha second-hand cars, the dry dan compulsory traffic insurance will be automatically transferred to the name of the new car without the grandson disturbance, and the transfer of compulsory traffic insurance can be carried out.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

After the vehicle completes the second-hand car ownership transfer transaction, in accordance with the relevant provisions of the Insurance Law, the insured vehicle shall be re-sold, transferred, donated to others, changed use, etc., the insured shall notify the insurance company in writing in advance and apply for correction, and the original policy will also become invalid when the insured vehicle is transferredTherefore, compulsory liability insurance also needs to go through the transfer procedures.

How to transfer the compulsory traffic insurance.

After the vehicle is transferred to the vehicle management department, bring the relevant materials to the location of the original insurance company to handle the transfer, and the general materials required for the transfer are the vehicle registration book, the new driving license, the copy of the ID card of the new and old car owners, the second-hand car transaction invoice and the insurance correction application form; Generally, there will be no correction fee for insurance endorsement, and if there is a change in the premium, the excess will be refunded and the deficiency will be compensated.

It should be noted that the current compulsory traffic insurance rate is based on the vehicle history of the implementation of a double linkage mechanism, where there is a record of accidents, or drunk driving illegal driving behavior of the vehicle, the next year of the compulsory traffic insurance rate will rise, and the record of the vehicle in the next year can enjoy a certain discount preferential rate, at the same time, the second-hand car transfer record is with the car not with the person.

Compulsory traffic insurance is in our country driving on the road motor vehicles must be insured compulsory traffic insurance, this compulsory is not only reflected in the compulsory insurance, but also reflected in the compulsory underwriting, with the qualification of operating compulsory traffic insurance insurance insurance companies shall not refuse to underwrite, nor Zhao Mengzi can terminate the contract at will.

The compulsory traffic insurance of the vehicle is not with the person, that is, after the vehicle has passed the trapped household, the compulsory traffic insurance of the Xiaopai vehicle is clearly to follow the owner of the new car, but the compulsory traffic insurance will affect the compensation in the event of an accident without the transfer of ownership, and some insurance companies will directly refuse to pay, and some insurance companies will default to the original owner as the beneficiary and transfer the compensation to the original owner's account.

According to the relevant regulations, if the ownership of the insured motor vehicle is transferred, the compulsory insurance contract for motor vehicle traffic accident liability shall be changed, and at the same time, within the validity period of the insurance, the insured shall notify the insurance company in writing of the rent and apply for correction, otherwise the insurance company has the right to refuse compensation, and the car insurance can change the content of the policy.

Compulsory traffic insurance is mandatory by the state, and compulsory traffic insurance must be paid regardless of whether the vehicle is used or not. Compulsory traffic insurance is mandatory to pay before the vehicle is scrapped, even if there is a missed payment, it must be paid when the vehicle is transferred or scrapped. Therefore, when the second-hand car orange is returned to the transfer, it is necessary to negotiate the issue of the transfer of the second-hand car compulsory insurance

Legal analysis: The second-hand car compulsory insurance needs to be transferred, and if it is not completed, there will be a lot of trouble in the later claim, and even the insurance company may refuse to settle the claim. Therefore, the transfer of ownership of second-hand cars needs to notify the insurance company in time to go through the procedures for the transfer of compulsory insurance, and if the degree of danger increases significantly due to the transfer of ownership of the vehicle, the insurance company also has the right to increase the premium or terminate the contract.

Legal basis: Article 2 of the Regulations on Compulsory Insurance of Traffic Accident Liability of Motor Senhong Vehicles The owner or manager of a motor vehicle driving on the road within the territory of the People's Republic of China shall purchase compulsory insurance for motor vehicle traffic accident liability in accordance with the provisions of the Road Traffic Safety Law of the People's Republic of China.

The insurance, compensation, supervision and management of motor vehicle traffic accident liability insurance shall be governed by the Elder Brothers' Regulations.