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Data:2009-12-12 2:34
The end of a time when the insurance renewal, the peak car insurance, for which this newspaper will be continuous auto insurance coverage, introducing insurance knowledge, exposing the insurance intermediary crooked shady, to remind owners to purchase insurance to stay in a heart, for the to protect their own interests, must be insured through formal channels.
ã€Case 1â¾?span>
Ms. Yan a phone call, saying they were last year selected insurance because they require insurance "string" gives the cheapest price, the result is subject to "plot against." She says, she opened the one used leased vehicle, and thus feel no need to put too much for insurance. So should insurance "string" gives one of the most affordable price, was only 1,000 yuan Chutou to buy the "all-risk insurance," string tells her that damage a vehicle or a third party, Daoqiang Xian, excluding deductible and so on bought, the ease of use, in March this year that vehicle was rear-end repair has spent about 1,000 yuan, the insurance company paid only 400 yuan. To find insurance theory, the result was told that it is not full insurance.
Experts suggest: Some auto insurance, "string" To meet the needs of some consumers to seek cheaper to carry out without full insurance, for example, a car worth 10 million, he is only insured 50,000 yuan, while reducing the amount of third party payment , for example, the lowest 5 million paid by the amount of insurance, etc., premium Daoshi drop down, but once Chuxian, get paid will naturally be thus reduced. Therefore, vehicle owners to purchase insurance, not only to look at insurance, insurance, depends on the amount of insurance paid.
ã€Case 2â¾?span>
1 owner, said he was in November 2005 to Chengdu scraped a repair station accident claims repair, but when the maintenance staff, owners of the insurance claims records check and found the car in early August 2005 there were three times claims cases, the total amount of up to 8,000 yuan. However, only in August this year, he once claims cases, that was a small repair workshop conducted a bumper-up painting after the treatment, maintenance costs, less than 700.
Later, after investigation, was originally the small repair workshop in the vehicle repair process, drove the car without permission to manufacture many dangers, and to provide false accident cases and insurance fraud a high premium.
Experts suggest: Now, some repair shop would be very "enthusiastic" to help some Chuxian car owners to insurance claims, and the commitment to low income or no income for repairs, and then artificially create a larger, these incidents are the loss of vehicles or pieces of camouflage for a more a serious loss of status, obtaining additional premiums to the insurance company. For the owner is concerned, may have their own because of their "help" to the maintenance costs less, but the insurance company's credibility is undermined.
⾿⾿Case
December 14, a vehicle repair station to reporters about the person in charge of a typical late-premium insurance intermediaries, leading to claims paid on time can not be the case.
In March of this year, a BMW 7-Series owners to the pit stop repair their car accident, in which the repair station to complete the vehicle repair on behalf of their claims to the insurance company found that the owner has not handed insurance premiums and therefore can not unimpeded access to insurance payment. BMW owner, said he was an acquaintance to purchase insurance, when payment丿万diverse premiums, but also to his insurance agent who issued the formal declarations, experience certificate, the policy is indeed a formal declaration form, but insurance agents collected premiums after the insurance company did not return in time, leading to claims that the owner can not be on time. The result was that the owner was removed several times, until August of this year to receive their insurance payments, in which the repair station to retrieve a long absence, BMW.
Experts recommend: the owner must verify that the insurance agency or individual qualification, currently, there are some insurance agents development "downline" so that a number of insurance "string" pull the business phenomenon in these "strings" to purchase insurance should also can be formal policy, but because the premium changed hands several times, it is prone to delays or misappropriation of premiums. If the owner is worried about the validity of the insurance can go to the insurance company check.
