Compare with photograph of several yuan two handcart price, two handcart are not sure to cross thousands of yuan, when car is made over, some cars advocate dozen fold or flat give the car a place difficult of access with two accessary handcart. Because value is low,be, the car danger with two accessary handcart often by oversight of two handcart buyers and sellers, once produce traffic accident, insurance issue gives two handcart the car advocate bring potential huge risk.

Enter average household as a large number of cars, in recent years, two handcart of countrywide trade more and more active. The basis concerns the statistical data of the respect, 2007, of two handcart of countrywide trade gross broke through 2 million, annulus exceeds 10 ％ than amplitude, comparative among them the part is secondhand the car is accessary in transferring a process car danger.

Two handcart are sure to guarantee range each are not identical

Mr Chen that just bought a two handcart from inside intermediary hand encountered car danger dispute one case. This year March, mr Chen cost 100 thousand yuan to buy a triumphal car from two handcart markets of Shanghai, deal with car to trade after formalities. Mr Chen plans to be free to deal with insurance change the name of owner in a register to register again, cannot think of, namely so one neglect, together abrupt and the traffic accident that come makes its regret unceasingly.

Two handcart make over the accessary car danger in the process to include to hand in strong danger and the danger that commercial car differs two kinds nearly to plant commonly, the compensate after they are made over to two handcart pays a principle to have a few different place.

Encounter Mr Chen such circumstance, make strong danger part should can win compensation, but this still puts dispute inside insurance. Occupying a kind of view inside insurance is, handing in what strong danger ensures is the interest of the 3rd person beyond this car personnel, insurant, fasten a place difficult of access of social security sex that law provides forcibly to plant, those who be aimed at is specific car is cast protect, the car inside policy period of efficacy advocate change does not affect safe effectiveness. Hand in even if of strong risk policy of insurance to was not corrected consequently, insurance company also should assume insurance responsibility. But domestic share insurance company does not agree with this kind of view, restful car danger expresses to the reporter about the personage, hand in strong danger to also must be passed correct, otherwise the company is compensation of reject a complaint, because drive,this is the person differs, the risk is different also.

The circumstance of commercial car danger is more unified, may unavailable commerce ensures Mr Chen safely. According to the motor-driven car clauses of domestic insurance company, almost all clause all has a regulation: Inside insurance period of efficacy, insurance car resell, make over, give other, change utility or raise dangerous rate, insurant ought to written announcement insurance company applies for to deal with correct, otherwise insurance company has authority to reject to compensate for.
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