If the household does not want to see the contents of the insurance policy
With the increase in the volume of second-hand cars, problems in some used car transactions have also begun to appear. Recently, some readers complained to the reporter of the column of “Dapeng Bieche†of the Chutian Metropolis Daily that due to the fact that the insurance policy of the used car that they purchased was not applied for transfer, there was a problem with the accident.
“When I bought a car, I said that the policy was valid for six months. Actually, this month has already expired.†In October last year, Mr. Liu bought a used car in his friend’s hands. During the transaction, he was told that the insurance period was still valid for half a year. Prepare to wait until the insurance expires and then renew the insurance, so no transfer procedures have been carried out and the contents of the policy have not been carefully examined. Whoever wants to reverse the car's headlights in a recent reversal, only discovered that the insurance had expired.
It is understood that in 2010, the new "Insurance Law" clarified the new owners of used cars, do not need to go to the insurance company for transfer procedures, but also can directly inherit the rights and obligations of the original owners. But nowadays, many consumers like Mr. Liu are too careless about buying used cars because they do not pay attention to the changes in the policies and caused some disputes.
“Even if there is no problem with the policy of buying a used car, insurance companies will still pay the premium into the bank account of the insured when they normally pay. If this does not change, it will be more troublesome if there is compensation.†In this regard, Hubei The related person in charge of the used car industry association suggested that although the new insurance law stipulates that new car owners can inherit the rights of the original car owner after the used car transaction, when the two parties trade, they try to change the policy holder and other information together.
In addition, after the used car transaction, not all vehicles can inherit insurance rights.
According to the relevant person in charge of the Hubei Insurance Industry Association, if an insured vehicle was a private car in the past, it was used by the leasing company after its transfer, which increased the possibility of accidents in the vehicle. At this time, the owner of the new car should promptly notify the insurance company and go through the relevant approval procedures, otherwise the insurance company may reject the payment.
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