Buying or selling a car can be a daunting task, but it can be made easier with the right information. One of the things you need to consider when transferring ownership is car insurance. In this article, we’ll discuss everything you need to know about “車 譲る 保険” or car insurance when transferring ownership.
Transferring Ownership
Before we dive into car insurance, let’s first talk about transferring ownership. In Japan, the process of transferring ownership involves a few steps. First, both the buyer and seller need to be present at the local transportation bureau. The seller needs to submit the car’s registration documents, while the buyer needs to submit their driver’s license and proof of insurance.
Proof of Insurance
As mentioned, the buyer needs to provide proof of insurance when transferring ownership. This is because the car needs to be insured before it can be driven on public roads. The type of insurance required is “自賠責保険” or compulsory automobile liability insurance. This insurance covers any damages or injuries the driver may cause to others while driving.
Car Insurance
Aside from compulsory automobile liability insurance, there are other types of car insurance you can consider. These include collision insurance, which covers damages to your car in the event of a collision, and comprehensive insurance, which covers damages from non-collision events such as theft, fire, or natural disasters.
Cancelling Car Insurance
If you’re selling your car, you’ll need to cancel your car insurance. This can be done by contacting your insurance provider and providing them with the necessary documents. Keep in mind that some insurance companies may charge a cancellation fee, so be sure to check your policy.
Transferring Car Insurance
If you’re buying a car, you may be able to transfer the existing car insurance to your name. This can be done by contacting the insurance provider and providing them with the necessary documents. Keep in mind that the insurance premium may change depending on your personal details such as age and driving history.
Tips for Choosing Car Insurance
When choosing car insurance, it’s important to consider your needs and budget. Here are some tips to help you choose the right car insurance:
Compare Quotes
Don’t settle for the first insurance provider you come across. Shop around and compare quotes from different providers to get the best deal.
Consider Coverage
Make sure the insurance coverage meets your needs. If you have a new car, you may want to consider getting comprehensive insurance to protect it from theft or damage.
Check for Discounts
Some insurance providers offer discounts for things like good driving history or multiple cars insured. Be sure to check for any discounts you may be eligible for.
Conclusion
Transferring ownership of a car can be a complicated process, but with the right information, it can be made easier. Remember to consider car insurance when transferring ownership, and choose the right insurance coverage for your needs and budget.
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