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Does the loan company need to file an insurance file for a second-hand car in the last year?

Yes.

Because the company that lends money needs to bear risks during the loan to buy a car, it is the business process of the loan company to file insurance.

Second-hand vehicles refer to motor vehicles that are registered with the public security and traffic management agencies, have been in service before reaching the scrappage standards stipulated by the state or within their economic and practical life, and can still be used.