What if I buy a used car without commercial insurance (only compulsory insurance) and want to buy commercial insurance? How to calculate the compulsory insurance for a used car

What if I buy a used car without commercial insurance (mandatory only) and I want to buy commercial insurance myself?

You can find the same insurance company that you bought your compulsory insurance from and add commercial insurance, and the insurance company will be happy to do it for you.

How to calculate the compulsory insurance for a used car

How to buy insurance for a used car: compulsory insurance ($950)? Two-million-dollar third-party insurance ($500)? Deductible (a few dozen dollars)? Medical liability insurance for medications not covered by medical insurance (a few tens of dollars)!Ayue Used Cars

What should you buy insurance for a used car?# Used Cars # Jitterbug Cars # A Daily Car Knowledge

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How to buy used car compulsory insurance

After the used car transfer, the compulsory insurance in the validity period should be handled for the transfer, has passed the validity period of the compulsory insurance by the new owner to re-insure, the premium borne by the new owner. The transfer is to change the main body of the policy, after the vehicle transfer procedures, the buyer and seller with the transfer ticket, a copy of the license, the policy and identity documents, to the original insurance company for the change of the main body. According to the relevant regulations, compulsory insurance can only be changed and cannot be surrendered.
Expanded Information:
How to transfer a used car
transfer procedure
1. Individual to individual: original identity cards of the buyer and seller; vehicle license, motor vehicle registration certificate.
2, individual to unit: buyer unit code certificate (original / annual inspection within the validity period), official seal, the seller's original ID card; vehicle license, motor vehicle registration certificate.
3. Unit to unit: buyer and seller unit code certificate (original / annual inspection within the period of validity), official seal, the seller's unit operator ID card; vehicle license, motor vehicle registration certificate.
4. Unit to individual: buyer's personal ID card, seller's unit code certificate (original / annual inspection within the validity period), official seal, seller's unit operator ID card; vehicle license, motor vehicle registration certificate.
5, the buyer is a foreign individual and the vehicle needs to settle in Jinan, need to apply for Jinan City, temporary residence permit; buyer is a foreign unit and the vehicle needs to settle in Jinan, Jinan City, personal ID card or temporary residence permit can fall under; vehicle head of household is a temporary residence permit, for the transfer, the file need to be the original temporary residence permit (expired replacement); vehicle license, certificate of registration of motor vehicles; the purchase of the tax book.
closing costs
1. Transaction tax.
Payment of used car transaction tax. 1% charged for private (bare car current price), 3% charged for public (bare car current price), no transaction tax for private transfers.
2. Topping fee.
Drive your vehicle to the transfer inspection office where the vehicle is inspected, numbered, removed and photographed for a $10 numbering fee.
3. Staging fees.
High in some places, low in others.
4. Closing costs.
Used car fair price transfer fee is mainly charged by displacement and year, and different rates are taken depending on the type of vehicle such as cars, SUVs, buses, trucks and other categories such as different displacement ranges and load ranges.
Used car transfer fees in Beijing are basically similar, with a minimum transfer fee of 200 yuan and a maximum transfer fee of 800 yuan, of which 200 yuan is charged for displacements below 1.0L, 400 yuan is charged for displacements from 1.0L-1.9L, 600 yuan is charged for displacements from 2.0L-2.9L, and 800 yuan is charged for displacements from 3.0L and above.

Can I buy a used car that has been in an accident?

First of all, it is still the old point of view, a small scratch is not considered an accident, but an accident is only considered an accident if you hurt your bones. An accident car should never be wanted.

Secondly, to make a point that is slightly different from the previous one. In the accident car, there are big accidents and small accidents. It is recognized that you can't have a big accident, so can you have a small accident car?

(Image from the web, thanks to the original author.)

We can pay attention to the picture, there is a place called the buffer zone (pleated beam), this place is through the deformation to absorb energy, reduce the hard impact of the collision, on the other hand, to reduce the cost of repairing the car, if the car does not hit hard, directly to the pleated beam to replace the end of the matter.

The front crash beam, that is, the front bumper in the picture, the main role is to prevent low-speed collision, injury to the engine tank, in addition to the collision force more evenly distributed to the individual frame to resolve. Anti-collision beam of the collision prevention ability is not strong, there really is a slightly larger collision, or to rely on the front longitudinal beam as a representative of the entire body skeleton of the combined force of the protection, in order to ensure that the cockpit is not deformed.

Of course, all this assumes that the speed is not too fast, when the speed is too fast, the tank will not help, as usual, into a pile of scrap.

So the question is, if a low-speed collision with, say, a small rear-end collision dents the front bumper or injures the crease beams, and then the later repair gives a full replacement, this kind of car, must you not want it?

So here's the question, there is no damage to the longitudinal beams, side beams, A-pillars, or tower tops, only the tank frame and front impact steel beams are damaged, so can I have this car?

The following is purely my personal opinion.

Personally, I think it can, just the price of the car has to fall off. There are plenty of cars that have had these types of accidents in real life.

I have a friend who bought one of these cars. Only he had a problem that was far more serious than the one I'm talking about.

His car was an '09 silver Civic, with a used residual value that would have fetched over $60,000 in a big city and a good $70,000 in a small one, but he ended up paying only $47,000 for it.

Where did he hurt his car?

Anyone who knows about used car appraisals knows that you can look for accidents by looking at the body seams. Through the unevenness of the seams to see out. But can you tell by the level of restoration of this car?

I've been in the automotive industry for over five years now, and if you look at it from the outside, at least I can't tell at all.

Let's briefly talk about where this car has been hurt!

The front bumper beam is damaged, the beam is fine, the suspension is damaged, the meta beam is damaged, but the two most important places, an A-pillar and beam and the top of the suspension tower are fine. That's what my friend told me, but I guess it's hard enough to think that the frame is going to be left alone with all the damage to the meta-beam. It just depends on how much damage is done or not.

In this case, the car suffered damage and the most damage was to the meta-beam and the suspension.

What's a Yuanbao beam that you don't know?

Look at this picture, you can understand that the Yuanbao beam is the part of the body underneath by connecting the frame and the beam, it provides certain support for the engine and transmission, enhances the rigidity of the frame and so on, it is a very important body safety parts. When checking the car to see the chassis, the Yuanbao beam is a must-see item.

There's also a ruined suspension and blown tire hubs.

Can I buy this car?

Of course you can't.

But my friend who drove that car actually traveled south and broke into the north. The highway was 160. why would this happen?

I'll come back later with an update for those who want to know, and then I'll post the dry run.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ It's been half a month since I thought of updating, and you guys didn't remind me. You guys didn't even remind me. Give me a follow and a like, so that I have the motivation to keep updating. I'm not sure if I'm going to be able to do that.

As mentioned earlier, why is this car suspension, front bumper beam injured, even the meta-beam, but why is it still hassle-free?

Of course, this car is never recommended in real life. Because ........................... ...

Let's say for example, if you had Lin Chi-Ling as your wife, would you still choose Luo Yu-Feng?

But can Luo Yufeng use it? Yes, with the lights off, it's actually the same! (Phoenix I'm just making an analogy, don't mind me, if it's not satisfactory I'll delete it right away.)

Getting back to cars, you know civilian race cars, many of which are scrap cars that teams buy for nothing, strip the car down to a frame, and re-stuff the engine and various circuit systems, as well as the suspension and steering mechanisms and so on. To show you how racing is done. Pictures from the UEKA Racing Club.

This is the engine compartment that was stripped down to the studs and re-painted and structural parts reinforced.

The engine that is about to be stuffed into the nacelle.

This is the old car with the interior stripped down to the studs, even the floor rubber and soundproofing were removed through and through, as the race car was trying to save weight, and from the pictures we can see the cross members of the passenger compartment. This is true for most of the exposed structure of the passenger compartment of a car. These are old cars. To put it bluntly, they are just buying a car frame.

There are even some race cars that have to have their engine compartments partially cut.

The five pictures above, any kind of behavior in a civilian car, will make consumers shocked. In fact, if it really happened on a civilian car, it would be an accident car.

The point of having these pictures up is to show you that although the various parts of these race cars have been overhauled, at the most basic level, the frame is certainly intact. In the last picture, the front wheel arches are being cut out, but this part is not a beam and does not provide any support or protection for the bodywork. Racing cars require a lot of heat dissipation, and cutting out this part allows the airflow of high-speed movement to cut right through the tires and wheels to dissipate the heat.

But everything must be based on the fact that the frame of this car has not been injured.

And the one my friend had, didn't hurt the beams, including the side beams. That was the main reason he made up his mind to dare to buy this car.

Of course, in the end, I still want to emphasize that, like my friend's kind of car, can not buy or try not to buy, because it is really an accident car. Although it is fine to drive on a daily basis, it is always hard to avoid still reading in your mind. There is no need. It is best to buy a car that has not been repaired or refurbished. Racing cars have to have all kinds of enhancements around them, and there's no comparison with civilian cars.

After so many words, on so many dry goods, there is no one to pay attention to ah. Rolling on my knees and begging for attention to my column - used car knowledge lecture hall ~ ~ ~~~

Thank you all!