Fan with friends privately agree, bought his second hand car, but did not go through procedures for transfer of vehicle ownership, vehicle insurance also does not consider the transfer of ownership. March of this year, Fan inadvertently causing a traffic accident, and full responsibility. After that, he claims to the insurance company to apply, but the insurance company to arbitrarily change the policy on the grounds exclusions.
Now, with the increase in used car transactions, the ensuing insurance have also occurred. Fan such as private, without the traffic police for the formal transfer ownership of second-hand car trade, itself protected by law, but also the non-recognized. In other words, there is no legal proof to confirm the relationship between the Fan and the car, naturally, that he and the insurance companies do not have any contractual relationship. So when Fan to the insurance company's auto insurance claims, of course, be rejected.
Fan like this, unless the original owner to apply to the insurance company claims, insurance companies, possible according to the contract, the original owner for compensation.
Here, but also to remind the other case. Many people are buying and selling second-hand car, thinking that as long as the vehicle to the Vehicle Administration proposed to transfer application for membership renewal, but forgot to notify the insurance company should also give the vehicle the insurance process the change. In fact, in the process of buying and selling used cars, auto insurance for transfer is a very important aspect, because the vehicle does not mean the transfer of ownership of vehicle insurance contracts are transferred. Under normal circumstances, the insurance benefits of ownership with the transfer of insured loss, the insurance company agreed to correct only after the insurance contract had just re-entered into force.
Meanwhile, motor vehicle insurance provisions are stipulated in the insurance period, insurance of vehicles sold, transferred, donated to others, change the use or increase the degree of risk, the insured shall notify the insurance company and apply for marking, or the insurance company the right to refused to compensate.
Transfer for auto insurance in two ways: first is a change of policy elements, such as the replacement of the insured and the owner; the second is to apply for surrender, that is my previous auto insurance drained away, to terminate the previous contract. Then the insurance company will refund the remaining premium. , The new owner can go to any insurance company to re-apply for a car insurance.
