The sale of second-hand car but did not apply for transfer procedures after the accident insurance, by the China Insurance Company, such troubles occurred in the owner Mr. Liu's body.

   "Hey! So, Coulda Woulda Shoulda!" Yesterday, reporter saw Mr. Liu in the National Village Hengxi town Lanxi City, he suddenly spit smoke ring, and a loud sigh.

   Mr. Liu told reporters described what happened. Originally, this year 6 month, Mr. Liu bought a used car from a second-hand car trading market in Jinhua. The former owner Lee told him, the vehicle has an insurance policy, and half a year to expire, the accident has its own insurance claims. Mr. Liu see legal policy, finally rest assured buy this car. Since then, Mr. Liu also haven't dealt with the insurance company.

   Recently, Mr. Liu driving traffic accidents, the car was damaged. Because the car is still in the period of insurance, Mr. Liu will claim compensation from the insurance company. But after the insurance company to verify, Mr. Liu in the purchase of vehicles, and not for the insurer to change procedures, that is to say there is no contractual relationship between Mr. Liu and insurance company, so the insurance company refused to claim.

China insurance company Mr. Liu reason whether appropriate? At present, like Mr. Liu, the purchase of second-hand car owners in the management of vehicle insurance transfer, and matters which need attention? The reporter interviewed Pacific Telephone car insurance staff.

   For Mr. Liu's experience, the industry said, the second-hand car after the transfer, the property transferred vehicle. If the insurance is not in time for change procedures, to Mr. Liu, he is neither the insurance of the insured, the beneficiary is not. At the same time, "insurance law" also stipulates: if the insured vehicle sales, must notify the insurance company, insurance company agrees, still must have written records, such as stated in the policy or a separate agreement. At the same time, because the car is not belongs to the former owners of Mr. Lee, the former owner Li does not have the insurable interest, and therefore lost to insurance company claim.

   Then, when the vehicle is in the transfer and change, policy how treatment, need to pay attention to what the problem? Industry insiders, for auto insurance transfer in two ways: the first is to change the policy factor, the insured and the owner changes such as, Mr. Li, the insured will be insured vehicle transfer to Mr. Liu, Mr. Liu shall timely notify the insurance company, the insurance contract is changed through consultation with the insurance company, will the policy into their own name, otherwise the risk even if there can be covered, Liu Xiansheng also can not be compensated; the second is to apply for a refund, originally is the car away, before the contract termination. The insurance company will refund the remaining premium. After that, the new owner to buy insurance to any one insurance company.