Legal analysis: first of all, car loans generally require the purchase of all risks, and insurance can settle claims; Secondly, the loan to buy a car also needs a guarantor, and the borrower can be repaid by the guarantor when he dies; Thirdly, after the death of the lender, the lender's heirs should bear the repayment within the scope of inheritance.

Legal Basis: Article 2 of the Insurance Law of People's Republic of China (PRC) The term "insurance" as mentioned in this Law refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer will be liable for the property losses caused by the possible accidents agreed in the contract when the insured dies, is disabled, is sick or reaches the age and time limit agreed in the contract.