Is it okay to buy a second hand car without buying insurance?

Yes, no problem at all.

The insured of car insurance can be non-car owner, that is, the insured can choose yourself when buying insurance, and it will not affect the annual review of the car. In the event of an accident, the claim will be transferred directly to the insured's card, that is, directly to your own bank card. My own car is inconsistent with the name of the owner and the insured, the owner of the car is my wife's, and the insured is my own.

In addition, remember to go to the insurance company to change the license plate after the account is completed. The insurance company will give you an amendment form.

If you don't own a used car, you can buy insurance.

1. The owner of the vehicle and the insured can not be the same person, and you can be the insured when buying insurance, that is, the beneficiary of the insurance. If the payout is made, it can be credited directly to your account.

2. The owner of the vehicle is the proof of the property rights and interests of the vehicle, and if you buy a second-hand car, it is recommended to transfer the ownership, which is an effective protection of the property.

Personally, it is recommended to buy insurance after the transfer, because the owner of the driving license is still the former owner, and when you need to make a claim, you must provide a copy of the original owner's ID card.

It's not a question of whether you can do it, but you can't transfer the ownership if you want to, and the DMV will not handle the name change and transfer procedures for the scrapped car.

Use it to deal with it, but be careful not to be caught by the traffic police and road administration.

The original car insurance is still valid after the transfer of ownership of the second-hand car, but the car insurance needs to be transferred, and there are generally two forms of handling of the transfer of the second-hand car insurance:

The first type: the original owner of the second-hand car can surrender the insurance (compulsory traffic insurance cannot be refunded), and then the current owner can choose the insurance company to purchase car insurance. When surrendering the policy, you need the insurance policy and the ID card of the original owner, and the new insurance only needs the driving license and the second-hand car transfer certificate;

The second type: the original owner of the second-hand car can transfer the car insurance to the current owner, generally need to go through the insurance transfer procedures at the place where the original insurance was purchased, and go to the insurance company to go through the insurance replacement procedures after completing the transfer procedures at the vehicle management office.

Extended Information] How to calculate the insurance premium of a used car?

1. In fact, second-hand cars are the same as new cars, but they are the difference between used and unused. When choosing the type of car insurance, car owners can purchase suitable insurance according to their own driving experience and the actual situation of the car. When calculating used car insurance premiums, I suggest that you can use an online car insurance calculator to help you get accurate**.

Generally, second-hand cars are sold when the insurance is about to expire. When a buyer takes over a used car, they have to think about what insurance to buy for the used car.

Second, second-hand car insurance to know how to choose, in addition to the compulsory traffic insurance must be purchased, other insurance can be insured according to the value of the vehicle. If it is a low-value vehicle, there is no need to take out scratch insurance. Because the calculation of vehicle insurance of many insurance companies is set according to the value of the vehicle, for second-hand cars, it is also necessary to calculate the ** when the second-hand vehicle is purchased insurance.

When buying second-hand car insurance, it is necessary to distinguish the priority and the matching is reasonable, you can insure the main insurance, and the additional insurance is judged according to the actual situation. When buying a second-hand car, if the insurance has not expired, you must notify the insurance company in writing of the transfer information, otherwise the insurance company will refuse to pay the claim after the accident.

3. The calculation of second-hand car insurance premiums is usually based on the purchase price of the new car to determine the amount of insurance. If the ** of the new car is 100,000 yuan, and the new owner buys it for 50,000 yuan, the insurance company will still require the new owner to purchase theft insurance according to the ** of 100,000 yuan. However, when a claim is settled, the insurance company removes some expenses at the depreciation rate.

In short, the insurance company will generally pay according to the present value of the used car when making a claim. According to the regulations, there are two ways to determine the insurance amount of second-hand cars: the new car owner and the insurance company shall negotiate, and the insurance amount shall not be less than 20% of the purchase price of the new car; According to the actual ** purchase of the second-hand car, the insured amount shall not exceed the ** of the vehicle.

Compared with the calculation of vehicle premiums for new cars, the calculation of insurance premiums for used cars is more cumbersome. When buying vehicle insurance, don't hide it from the insurance company, incomplete information and other situations will affect the claim of the used car. When buying car insurance, you should coordinate with the insurance company, match it reasonably, and choose the most suitable insurance for your car.

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.

1. What is car insurance?

Because compulsory traffic insurance is compulsory insurance implemented by national laws, but commercial insurance does not belong to the scope of compulsory transfer, the original owner will generally surrender the unexpired commercial insurance, and the new owner can re-insure himself.

The second-hand car insurance transfer process is as follows: 1. Change of the main body of the policy: The new owner of the second-hand car can complete the transfer with the transfer ticket, a copy of the driving license, the original policy, his ID card and the ID card of the original insurer, and fill in a transfer application form to the original insurance company.

2. Apply for surrender: To apply for surrender, you only need to pay the premium from the beginning of the insurance application to the surrender period, and the other premium insurance companies will refund accordingly. 3. Policy process:

The transfer of second-hand car insurance is actually to change the beneficiary and license plate number of the original insurance endorsement of the vehicle after the second-hand car transaction.

Hello! The transfer of used car insurance is an important part of the used car transaction process, and it is unavoidable. If you do not have a car owner, if you have a traffic accident after the second-hand car transaction, the car owner may be denied compensation when you make a claim to the insurance company.

However, there is no impact on the account, that is, the claim will be a little complicated, but after the expiration of the new insurance.

OK. However, compulsory traffic insurance must be purchased, and how to choose other commercial insurance is your own consideration.

In addition to compulsory traffic insurance and vehicle and vessel tax, commercial insurance owners can choose to purchase car insurance in the second year.

Third party liability insurance, must be purchased: the sum insured for this type of insurance ranges from 50,000 to 1,000,000. If the owner of the car crashes another person's vehicle, the insurance company can pay according to this insurance, but only for direct losses, and medical treatment is only responsible for the part covered by medical insurance.

Separate glass breakage insurance: If the car owner's car glass is broken when there is no traffic accident, the insurance company can replace the car owner with a new car glass according to this insurance.

Excluding deductible insurance: If you do not insure the insurance, when the insurance occurs, 20% will be deducted from the full liability, 15% will be deducted from the main liability, 10% will be deducted from the same liability, and 5% will be deducted from the secondary liability (some companies are sold together, and some companies can be selected separately).

There are also some additional types of insurance, such as 4-store special insurance, scratch insurance, unexplained damage clause, and waterlogged road clause, which can be purchased by car owners at their discretion. Depending on the insurance company you are applying for, the type of insurance is also different, so you need to consult at the time of application. The specific type of insurance to buy still needs to be carefully considered by the car owner himself.

1.The transfer of ownership of a second-hand car can be transferred to the new owner along with the existing original car insurance; The transfer of car insurance is very simple, as long as the new owner gets the new driving license, together with the old policy and his ID card to the insurance company to handle the change of the relevant insurance endorsement, the transfer of the policy can be completed, the procedures can be completed on the spot, and the changed insurance will take effect in the early morning of the next day. 2.

The policy can also be surrendered by the original owner, and the new owner can purchase a new insurance. Information required for insurance transfer: original car owner, new car owner ID card, new car owner driving license, vehicle registration certificate, compulsory traffic insurance and commercial insurance policy.

The main attention is that the original ID card of the original owner is required for the transfer of commercial insurance, and the consent of the original owner must be obtained. Because commercial insurance is voluntarily purchased by the original owner, the ownership belongs to the original owner.

There is no transfer of ownership of used car insurance, and you can buy a new insurance, but it can only be done 40 days before the expiration of the original insurance. According to the Model Regulations on Motor Vehicle Insurance, motor vehicle insurance can be obtained up to 40 days before the expiration of the previous policy. After 40 days, the system will prompt you to apply for duplicate insurance and will not be processed.

When buying a second-hand car, it is recommended to transfer the insurance to your own name, and the insured needs to come forward to assist in the claim, which will bring unnecessary trouble to the claim.

Questions. When I bought a used car, the insurance was not transferred, how can I buy insurance now.

The car insurance has not been transferred, and if you want to pay the insurance, only the original owner will surrender the insurance first and then pay the insurance again. However, it is recommended that second-hand car owners still go through the transfer procedures in time. The transfer of used car insurance is a change in the content of the policy, and it is necessary to fill out a car insurance transfer application form, and the new and old car owners need to be present together.

When transferring ownership, you need to bring the original insurance policy, driving license, and vehicle transfer invoice and other documents.

Questions. If the original owner does not surrender the insurance and does not have the account, can I buy it again?

This one doesn't work.

Summary. No.

It is not possible to buy second-hand car insurance without transferring, and you must go through the transfer procedures as soon as possible, otherwise the insurance will not be paid if there is a traffic accident, so the loss will be large. ”

Can you buy insurance if you buy a used car but don't have one.

No, "it is not possible to buy second-hand car insurance without transfer, and you must go through the transfer procedures as soon as possible, otherwise the insurance will not be paid if there is a traffic accident, so the loss will be large. ”

When can I buy insurance.

I'll look it up later.

You can immediately buy a second-hand car to complete the transfer procedures, change the registration certificate, issue a new license (the two certificates are registered on the new license plate that has been issued), regardless of the current use of a 15-day validity period of the license or the official license plate, you can directly hold the "registration certificate", "driving license", "owner ID card" (if it is a unit vehicle, you must hold a "copy of the business license", "organization ** certificate"), to the original insurance unit for compulsory traffic insurance or other types of insurance to change, change procedures without fees. If the original insurance has expired, you can ignore it and apply for a new policy at the insurance company of your choice immediately.

Compulsory traffic insurance is a kind of insurance with strong public welfare, which is intended to ensure that the victim is compensated in time when the vehicle is injured during operation; Because sometimes, the driver has no money, or works for others, or drives a second-hand car for thousands of yuan, and actually cannot afford to pay accident compensation; At this time, compulsory traffic insurance has such a supplement to protect the interests of victims; When buying a second-hand car, often the insurance bought by the previous owner has not expired, so it will be inherited to the next owner; Compulsory traffic insurance is carried with the car, but it is also necessary to pay attention to the transfer of ownership in order to get the protection of rights and interests; First: to buy a second-hand car, insurance, you must go to the transfer; It's okay to actually not be in the house, but if there is an accident, there are too many circumstances that need to be proven, and the insurance of the car and the owner are not the same name, how to make a claim? You have to prove that the car and the insurance are the same thing, right?

Some riders will say, isn't there an engine number, a large frame number, just check it? That's right, theoretically, it's okay to have strong insurance, but in fact, you still need some certificates and supporting documents of the original owner; This is more troublesome, so what to do? That's it, right?

How to transfer, what are the procedures, to ** to transfer? The original policyholder should bring his ID card, driving license, compulsory traffic insurance policy and other materials to the insurance company to go through the transfer procedures of compulsory traffic insurance. Once the transfer is complete, that's fine, so as not to get in trouble.

Here is an explanation, commercial insurance must be transferred to the name of the new car owner in order to get legal protection, commercial insurance transfer, why not the strong insurance together? Second: Will the original owner's record be inherited?

Many car lovers who buy second-hand cars are always worried that the violation record of the original car will be inherited from themselves? One thing to state here is that it won't; In fact, the China Insurance Regulatory Commission stipulates that if the motor vehicle is sold and the compulsory traffic insurance contract is changed during the insurance period, the accident record of the previous owner will not affect the next owner when the insurance is renewed in the next year. Although, there is a principle of compulsory insurance with the car, and it can be automatically transferred to the name of the new owner without transferring; However, for commercial insurance, the ownership must be transferred in order to get a normal claim; The traffic accident of the previous owner, any violations of laws and regulations, will not be inherited to the new owner; What does this mean?

If you buy a second-hand car, you will buy car insurance in the current year, and you will be insured according to the new car coefficient; The strong insurance is directly 950, and the coefficient of commercial insurance is also 1, and there is no discount; Of course, there are still discounts given by telemarketing and network marketing; Here's an explanation, ha: second-hand cars are insured with commercial insurance, and the damaged part of the car will be depreciated, and the age of the car will not change. , the depreciation will still be calculated according to the depreciation**; Neither overinsured nor underinsured will receive additional benefits.

The Insurance Law stipulates that the insured amount shall not exceed the insured value, and if the insured value is exceeded, the excess part shall be invalid. Brother Ayong's comments: First, when buying a second-hand car, if the ownership is transferred, all violations of the previous owner will be cleared, and the insurance coefficient will be renewed.