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Data:2009-12-12 2:34
WANG Cheng-long case of the auto insurance market this year is only one of many disputes, but the auto insurance market, which reflects the existence of the problems are people to ponder.
Now, just when the automobile market into low, also greatly affected by the auto insurance market also began to turn cold. However, the dispute is not with the auto insurance auto insurance market, the cold reduced, but also actually a growing trend. Reporter from the Shanghai Consumer Protection Committee was informed that last year's Shanghai auto consumer complaints to reach 412, 162 compared with 2002, nearly three-fold. Overall, the trend showing a rapid increase in the automotive quality complaints, mainly concentrated in motor vehicle insurance and maintenance.
Not long ago, sales of auto market is still hot scenes vivid, when auto insurance sales have gone up. Gejia property insurance companies in order to seize the market, spared no effort to pull out all the stops as far as possible competition for every customer. However, one indisputable fact is that these initial rush to seize the market in order to check out the insurance policy to its original non-intentional or not, caused by the hidden norm is gradually emerging.
For many new consumers who buy a car, Sheung the traffic risk will be considerable, need to exercise caution, but from the hand after the car between Sheung this period of "pre-travel period of the" risk is higher. Reporter through a series of interviews, synthesizing a number of common "auto insurance trap", the reader should carefully guard against.
Auto insurance market, the six traps
Automobile insurance is one of the major insurance property insurance, property insurance 60% comes from auto insurance. Faced with such tempting "cake", some companies in order to fight football business, competing with increasing service charges on standard, high premiums in return other improper practices. Some agents and intermediaries, defraud clients and insurance companies, and even carry agency business premiums fled, which makes this should be "insurance" auto insurance market, "trap" have multiplied, consumers keep track of.
Trap one: "Feishou with" strong sell
In the current auto insurance categories, only the part of the mandatory requirements of the traffic control department "third party liability insurance" is that each owner must be bought. And the choice of insurance has Chesun Xian and the anti-theft insurance, etc. However, these auto insurance are not insured can choose, and you want to buy anti-theft insurance, you must first purchase Chesun Xian, and many consumers are in fact did not like the car damage insurance. Moreover, in many cities of the car market, many models is to liability insurance, theft insurance, and tied up as a basic Che Sunxian insurance to sell to.
Trap number two: to mislead the insured owner
Passenger insurance, broken glass, insurance, insurance for loss of vehicles bearing on the vital interests of the owner, most people are willing to buy, while the new car's ignition insurance, car insurance of goods, trading suspended loss insurance, you can not buy. However, some auto insurance agent has Zhigu pull over, or do not give the owner explained, either to mislead the owner insured, so the owner with no experience should not unwittingly bought bought or may not buy insurance, they reverse their wants to protect an important omission insurance.
Trap three: Induced over-insured
Some car dealers in the insurance agency will induce owners to over-insured in order to earn agency fees. In fact, the insurance indemnity is based on the number of cars Chuxian the facts of the case, and will not be much protection is much more to lose.
Trap 4: agents "label list"
Some insurance agents with a high return as bait, pull to the policy after the insurance company does not pay. If the owners do not Chuxian, the premiums on his left; if the owner is out of danger, light insurance at their own cost payment trouble, big insurance, or insurance company is trying Kengpian simply vote with their feet.
Trap five: leave policy spurious
If there are dealers to introduce you to a discount auto insurance price was amazing, you should pay attention to the. If there really such a situation, in accordance with common sense, it is likely to be a fake insurance policy, because no matter which company to a distributor such a high commission, have no way to survive. Car dealers may be charged premiums of policyholders, and did not really on the auto insurance policyholder, but rather committed to the insured event of an accident, dealers will be fully responsible for the maintenance and other services. If an insured person a year without incident, dealers will be able to earn a few thousand dollars of the premium.
Trap Six: value-added services
Insurance companies or distributors to pull customers, often offer some value-added services, such as free agent driver's license, vehicle annual inspection procedures. And as insurance companies, should be a major service commitment to its customers, but rarely emphasized. Consumers must be sub-dealers and insurance companies Chu us to the main service to be what is not because of what looks beautiful and the service of some of the minor to the main purpose of forgot aside. In particular, claims services, some of the details, such as the claims loss ratio, claim the speed in these areas must implement, and can not be picked up pound-foolish.
Buy auto insurance keep in mind the five attention
The face of many flowers, the price of different auto insurance products, the majority of consumers how to choose? Articles would strongly advise consumers to avoid unnecessary troubles arise in the future to buy auto insurance, the first step is crucial.
Note 1: Agent Insurance commissioned the detailed provisions of the agreement
The commissioning of a dealer "one-stop" services, and dealers should sign a detailed agreement on child care to entrust such matters and costs specified in detail. For example, insurance agents, insurance companies may agree to the location and name of the insurance period, which, as well as several insurance costs, etc., and to the special convention: the vehicle licensing agency in commissioning the services, should insure the insurance. In the charge d'affaires during the accident, it should first claim to insurance companies, beyond repair or in part by the dealer is responsible for compensation.
Note 2: choose the right insurance companies and agents
The choice of purchasing channels, consumers should choose a reputable insurance companies and agents not only to find out whether the auto insurance sales organizations in the legal qualifications to provide services should also be aware of all the content and credibility of the degree of after-sales service because of vehicle insurance is as important as the product itself. In the choice of agent should be selected qualified in books, show business card and with the insurance company signed a formal agency contract on behalf of the people, should understand the terms of motor vehicle insurance, liability and rights and obligations related to the part of individual agents to prevent the exaggerated product security function, to avoid responsibility for the content of exemption and other provisions.
The best choice for a number of large-scale, a good reputation and network-wide service and a strong sense of the company. Not just the easy way to find an insurance agent easily insured, but can not be the so-called "high return" of the lure. Some companies to increase business volume, at a time when the insured to the lobbyists have put all kinds of preferential terms, in order to attract customers. Once the Chuxian often give rise to claims disputes. Large companies when dealing with compensation cases would take into account the company's social responsibility and influence.
Insurance when the insurance companies going to the official business field, or the holders of the CIRC issued an "insurance agents and industry permits" agent network processing, so that its authenticity is thus guaranteed.
Note 3: auto insurance is subject to CIRC approval of the terms
Consumers should ask whether the terms of auto insurance purchased by the China Insurance Regulatory Commission approval, and to give serious understanding of a provision, focusing on insurance liability, exclusions and special agreement, the insured person's rights and obligations of the deductible or Mianpei Lv calculation, the application procedures for compensation, surrender and depreciation provisions, as well as whether the insurance company, except the responsibility for and make statements on whether to provide additional insurance to cover against such exclusion.
Note 4: carefully chosen insurance
Variety of shops and auto insurance, breakdown of a few dozen truly squandering gradually want to charming eyes. Landing on the unprovoked selected 78 types of insurance, the results of the insured can not guarantee, do not have insured there is a pile, can not find a car out of state who point cry.
To vote before the insurance policy should be read and fully understand, but also to the handling of the operational staff to understand the future Chuxian specific considerations. Accidents are very complex, ever-changing, at least to understand a few important issues, such as how long should be reported, the incident occurred on the road and non-road accidents (for example, where the incident occurred in the district) What are the different . As much as possible to the handling of the operational staff for consultation, in order to avoid unnecessary disputes after the fact.
Third-party liability insurance must be insured, subject to compulsory insurance, annual inspection of the time, should produce a third-party liability insurance policy. Others, such as vehicles, loss of insurance, Daoqiang Xian, excluding deductible insurance and so you can choose.
The insured, when a variety of additional risks and threw the first side of the areas targeted are: Note 4: carefully chosen insurance
Variety of shops and auto insurance, breakdown of a few dozen truly squandering gradually want to charming eyes. Landing on the unprovoked selected 78 types of insurance, the results of the insured can not guarantee, there must be insured pile up points, the situation still can not find the car of people cry.
The insured before the insurance provisions should be read and fully understand, but also to the handling of the operational staff to understand the future Chuxian specific considerations. Accidents are very complex, ever-changing, at least to understand a few important issues, such as how long should be reported, and therefore occurred in the Road to the non-road accidents (for example, where the accident occurred in the district) What are the different. As much as possible to the handling of the operational staff for consultation, in order to avoid unnecessary disputes after the fact.
Third-party liability insurance must be insured, subject to compulsory insurance, annual inspection of the time, should produce a third-party liability insurance policy. Others, such as vehicles, loss of insurance, Daoqiang Xian, excluding deductible insurance and so you can choose.
The insured, when a variety of additional risks and threw the first side of the areas targeted are: loss of vehicle insurance, third party liability insurance. Do not fall into the insurance company beautiful, seductive but never have a chance trap of empty promises. Re-weigh weigh security environment where they live and their own skills, and then began to consider Daoqiang Xian, vehicle liability insurance and other additional risks.
In addition, consumers need to understand: on the all-risk does not mean that all the payment. The market is usually mentioned in the "on the all-risk insurance" does not mean a vehicle as long as the accident occurs, insurance companies are to be paid. "All risks" only by a few basic insurance and the additional risk posed by, and does not cover all risks.
Note 5: understand how to calculate the amount of insurance and compensation
In order to attract customers, dealers often make a fuss about the price. But some just were originally divided into a total price calculated on the surface as if much cheaper, in fact, considered a comprehensive one, not only not cheap, but more expensive. As some dealers or insurance companies to Chesun Xian, third party liability insurance is divided into several blocks, one price seems relatively low.
Consumers should pay attention to whether their rates in line with the rates approved by the CIRC to understand the preferential rates of insurance companies regulations and NCD requirements. Usually a more comprehensive product liability insurance premium is relatively high, fewer product liability insurance premiums lower.
Understanding of compensation calculations. If the terms of the content or premiums have questions, you can require the insurer to interpret the sales staff or agents.
Note 6: Review insurance documents carefully
When you receive insurance documents, we must carefully check to see if the document is adopted in conjunction third white carbonless paper printing and security printing the light brown shading, which is printed on the upper left corner, "the China Insurance Regulatory The Committee produced "character, the upper right corner is printed" is limited to xx provinces (municipalities and autonomous regions) Sales "character, if not refuse signing.
Owners to pay insurance premiums before, be sure to verify the specific content of the insurance policy is correct, such as name, license plate number, engine number, chassis number and other relevant data. If errors, one to re-out policy or through formal procedures be modified, can not be easily modified by the insurance business with persons. Do not some of the claims verbal illusions and ignore these little details, otherwise, once Chuxian, insurance companies can be recorded because of the insurance policy is inconsistent with the actual content but refused to compensate.
Note 7: Facing the dispute to be calm
For the result of disputes arising from insurance contracts, consumers should be based on the insured with the insurance company determined by arbitration or litigation to resolve. In the process of buying auto insurance, such as insurance companies or intermediaries found misleading or sale of such acts without the approval of auto insurance may apply to the Insurance Regulatory lodging of complaints.
