Legal analysis: the dealer will deduct the certificate and mortgage it to the bank to get a loan. When consumers buy a car, they often need to wait for a period of time until the dealer redeems the certificate with money before the car can be used normally. Usually, usually a few months. However, dealers often have to use the loan funds for other purposes. Once the capital chain is broken, the time for cashing the certificate will be in the foreseeable future, and consumers will have no choice but to guard the car without a certificate.

Legal basis: Provisions on Procedures for Handling Road Traffic Accidents Article 60 The traffic administrative department of the public security organ shall determine the responsibility of the parties according to the role played by their actions in the occurrence of road traffic accidents and the severity of their faults.

(a) if a road traffic accident is caused by the fault of one party, it shall bear full responsibility;

(2) If a road traffic accident occurs due to the fault of two or more parties, they shall bear primary responsibility, equal responsibility and secondary responsibility respectively according to the role their actions played in the accident and the severity of the fault;

(3) The parties are not at fault for causing road traffic accidents. If it is a traffic accident, neither party is responsible.

If one party intentionally causes a road traffic accident, the other party is not responsible.