If you buy a car with a loan, the original insurance will be kept in the bank until the loan is paid off. If there is a traffic accident before the loan is paid off, the bank and the insurance company should come together. If the amount accompanied by the insurance company is more than 2000 yuan, the bank you borrowed will also compensate you according to a certain proportion. If it is less than 2000, you don't have to go through the bank. You can find your own insurance company.