The citizen Mr. Wang recently sold his own car. Afterwards, he learned that his commercial vehicle insurance had only been insured for several months. Before the transfer, he could actually apply for a commercial vehicle insurance surrender procedure, which would give him about $1,000 in insurance premiums. He said that if you do not surrender, you can increase the price of the car at the time of sale. Failure to tell the truth is prone to car insurance disputes Mr. Wang’s auto commercial insurance expired six months later. He was introduced some time ago and he sold the car. In his impression, car insurance was transferred to the buyer along with the car, so as long as the body price is reasonable. Afterwards friends stated that Mr. Wang’s commercial vehicle insurance has not yet expired and he can withdraw a premium, and the price at the time of sale should also take into account the remaining premium premium factor. After consulting with the insurance company, Mr. Wang learned that if he surrendered early, he could also claim about $1,000 in premiums. 273 related people use the vehicle trading network told reporters that the second-hand car transactions in the strong traffic accidents with the car, according to the provisions of the vehicle directly with the transfer procedures. Commercial vehicle insurance has two kinds of situations. First, after the owner of the vehicle handles the surrender, the buyer re-insures the commercial auto insurance. Second, the auto insurance is also transferred along with the car. In the process of used car transactions, sometimes due to buyers and sellers failed to inform the auto insurance situation in time, causing unnecessary disputes. On the one hand, some owners apply for surrender to the original insurance company before selling the car, but they did not inform the buyer of the surrender during the transaction. When the buyer buys a car, they think that the commercial auto insurance will be transferred together with the car. If the seller surrenders his own To spend more money, the buyer will feel a disadvantage. On the other hand, some of the owners did not know that the original commercial vehicle insurance could be surrendered during the second-hand car transaction. It was only afterwards that they discovered that when they sold the car, the premium was less, and they suffered a bit. Therefore, if you can tell the actual situation during the transaction, there will be no unnecessary disputes. The above-mentioned personage introduction, the high car body price is high, the high premium can reach several tens of thousands of yuan, if has several months from the insurance expiration, at this time the high insurance surrender cost can reach tens of thousands, therefore the high-grade car user is selling the car At the time, some will go through the surrender procedure. Of course, if the buyer’s price takes into account the surrender charge, the owner will not be surrendered if he feels fit. If the car does not pay much premium, the amount of surrender is small. In order to reduce the trouble for the insurance company to handle the surrender procedure, most of the drivers will directly transfer the commercial auto insurance together to the buyer. How to calculate the surrender fee? If second-hand car owners want to surrender on their own, what information should they bring? Yesterday, Mr. Xu, a company in Fuzhou, a company acting as an auto insurance business, told reporters that the commercial auto insurance has not yet expired, and the owner should provide insurance policies and identity cards to the original insurance company branches to apply for surrender. After the transfer of the car, the buyer can wait until any insurance company re-insured with the new driving permit and vehicle transfer certificate. If commercial vehicle insurance wants to transfer along with the vehicle, the new owner can complete a transfer application form with the original insurance company after the transfer of the vehicle is completed, with the transfer proof, a copy of the driving permit, the original insurance policy, and his ID card. Corrected transfer. So how do you calculate the premium when surrendering? On the 28th, a car insurance customer service agent of a property insurance company stated that the premium paid by the owner when insured minus the actual effective days was the premium that should be refunded. For example, the premium paid by the owner for commercial vehicle insurance is 3,650 yuan, so that the daily premium is 10 yuan, and the actual effective days are 100 days. Thus, the premium payable is 1,000 yuan, and the premium of 2,650 yuan can be refunded. 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How to deal with used car trading car insurance?