Is it legal for car rental companies not to buy commercial insurance?

Legal analysis: there is no explicit provision in our laws. Generally speaking, commercial insurance is not compulsory, but compulsory insurance is necessary. Since the person responsible for the traffic accident is the driver, the leasing company, as the owner, is not liable, but the insurance compensation should be paid to the victim. In the process of renting a car, there are still many details to be paid attention to, especially in terms of vehicle procedures, insurance and other responsibilities to avoid unnecessary disputes.

Legal basis: Article 12 13 of the Civil Code of People's Republic of China (PRC) * * * If a motor vehicle has a traffic accident and causes damage, which belongs to motor vehicle liability, the insurer who underwrites motor vehicle compulsory insurance shall make compensation in advance within the limit of compulsory insurance liability; The insufficient part shall be compensated by the insurer underwriting motor vehicle commercial insurance in accordance with the insurance contract; If the motor vehicle commercial insurance is still insufficient or uninsured, the infringer shall compensate.