The reason for deducting the owner's points is that 4S is afraid that you will not be able to pay in the future, and the company will take back the car and then deal with the violation. If the owner shows up without a driver's license
It is impossible to deduct points for violations. If the owner refuses to pay the violation fee after taking back the car, it will be handled by 4 S.
You can take a taxi without a driver's license. But you bought a car with a loan, and you have to write a contract with 4S, so ... . Insurance is assigned by 4S to
You are fully insured, and there are many insurances that are generally not needed. Very expensive! It is best to give it all at once. You will repay the loan and insurance in a few years.
Much more expensive than naked cars.