After buying a second-hand car, you must purchase compulsory traffic insurance. Other commercial insurance can be purchased according to needs.
According to the "Regulations on Compulsory Insurance for Motor Vehicle Traffic Accident Liability":
Article 2 The owner or manager of a motor vehicle traveling on roads within the territory of the People's Republic of China Persons shall purchase compulsory motor vehicle traffic accident liability insurance in accordance with the provisions of the Road Traffic Safety Law of the People's Republic of China.
Article 3 The term “compulsory motor vehicle traffic accident liability insurance” as mentioned in these Regulations refers to the liability insurance provided by the insurance company to the victims other than the vehicle occupants and the insured due to road traffic accidents involving the insured motor vehicle. Compulsory liability insurance that compensates casualties and property losses within the liability limit.
Article 21 If a road traffic accident occurs to an insured motor vehicle and causes personal casualties or property losses to the vehicle occupants or victims other than the insured, the insurance company shall enforce liability for the motor vehicle traffic accident in accordance with the law. Compensation will be made within the limits of insurance liability.
Losses in road traffic accidents are intentionally caused by the victim, and the insurance company will not compensate.
Extended information:
Other types of commercial insurance:
1. Vehicle loss insurance
In motor vehicle insurance, vehicle loss insurance Together with third-party liability insurance, it constitutes its main insurance category, and with the cooperation of several additional insurances, it provides insurance customers with various risk protection services.
2. Third-party liability insurance
Motor vehicle third-party liability insurance is to cover the insured or its permitted qualified drivers when using the insured vehicle due to accidents. A type of insurance that covers the risk of damage claims from third parties due to accidents. Since the main purpose of third-party liability insurance is to safeguard the safety and interests of the public, in practice it is usually regarded as statutory insurance and is enforced.
3. Additional insurance
Additional insurance for motor vehicles is an important part of motor vehicle insurance. Judging from the current motor vehicle insurance clauses in China, there are mainly additional theft insurance, additional spontaneous combustion loss insurance, additional water-related driving loss insurance, additional new equipment loss insurance, additional non-deductible special insurance, additional driver accidental injury insurance, additional Designated specialized insurance, etc., insurance customers can choose to add insurance according to their needs.
4. Theft and rescue insurance
Theft and rescue insurance is responsible for compensating for all losses caused by the theft, robbery, and robbery of the insured vehicle, as well as the damage to the vehicle or the parts and components on the vehicle during the period. Losses caused by loss of accessory equipment, but cannot be damaged intentionally.
5. Scratch insurance
Scratch insurance is vehicle scratch insurance. It is one of the additional insurances. It is mainly used as a supplement to vehicle damage insurance and can provide insurance for accidents. Provides effective protection against scratches on the car body. Scratch insurance is aimed at scratches on the car body paint. If the collision marks are obvious, there is a cut, and there is a big dent, this is not a scratch and falls within the scope of the car damage insurance claim.
Baidu Encyclopedia - Car Insurance
Baidu Encyclopedia - Regulations on Compulsory Motor Vehicle Traffic Accident Liability Insurance