Compulsory traffic insurance was officially implemented on July 1 last year. Car owners and friends once again carefully studied auto insurance costs and rights protection, hoping to buy auto insurance with low premiums, good service, and guaranteed claims.However, many car owners who buy new cars have accepted insurance including auto insurance agents.car "One-stop" service, without checking important information such as auto insurance contracts and insurance policies, not only suffered the embarrassment of being denied compensation, but also suffered economic losses and psychological harm.
According to statistics, from January 2006 to the end of February 2007, the Auto Professional Office of the Shanghai Consumer Insurance Commission received a total of 403 complaints from auto consumers, of which auto insurance complaints accounted for 2.98%. The main problem is that certain auto insurance agencies and insurance companies interact with each other. To shirk responsibility and even fabricate a surrender application form, leaving consumers out of insurance without insurance.
Mr. Li bought a POLO from an automobile sales company in Shanghai, and at the same time, under the persuasion of the sales staff, he accepted the “one-stop” service. He spent 3,428.78 yuan to purchase compulsory traffic insurance, 150,000 yuan commercial insurance, vehicle loss insurance, and excluding insurance. Four auto insurance including deductible insurance. Two months later, he accidentally went out of the risk to settle a claim with the insurance company, but was told that because the sales company did not add the premium to the insurance company's account in time, he could not pay in advance.
When Ms. Fu was reversing in the community, she accidentally wiped the paint on the rear of the car, and called the insurer in charge of the insurance agent at the sales shop, hoping to drive to the repair shop designated by the insurance company for paint touch-up and maintenance. As a result, two days later, when Ms. Fu was passing by the repair shop to look at the car, she discovered that the front right headlight of the car had been smashed.bumperDamaged, and in addition, I have added a sum of more than 2,000 yuan in claim settlement costs to my insurance record. Not to mention the inexplicable serious damage to the car, Ms. Fu became a victim of insurance fraud for no reason.
In addition, car owners also need to pay attention to some pitfalls of inadequate claims services. For example, a member surnamed Fang could not estimate the degree of damage to the car after an insurance company, but it was difficult to accept the low-price loss order issued by the insurance company's loss assessor, so he asked the insurance claims specialist to help. After re-determination by the insurance claims commissioner, a compensation plan acceptable to all three parties was given. The insurance claims commissioner reminds everyone: When the claims adjusters of some insurance companies determine the damage, they may underreport some maintenance items and lower the compensation. Once the owner signs on the damage statement, the actual repair costs can only be paid by the owner. To bear.
There is also a friend of the author who lost a car that was fully insured not long ago and sought a claim from the insurance company. Inquiry to the vehicle management office and found that this car has not been inspected annually, and according to the provisions of the insurance contract: the insurance contract is only valid for qualified vehicles, and vehicles that have not been inspected annually are regarded as unqualified vehicles, and the insurance cash value is returned at most. Similarly, if the driver fails to conduct an annual review in time, he will not be compensated by the insurance company even if he is fully insured.
Annual International Consumer Rights Day 3•15 has arrived again, and we especially remind the majority of Lejiao members and car owners to keep their eyes open when enjoying the "one-stop" service. In addition, it is necessary to make it clear that the consumer contract stipulates that expenses such as auto insurance can be calculated more accurately, and the amount of error is often no more than 100 yuan, and it is best to verify each expense item by item.
In order to prevent the occurrence of such incidents, it is recommended that car owners and friends choose a reputable insurance company or agency auto insurance company when buying auto insurance, and pay attention to the claims service promise of the agency auto insurance company, and pay more attention to whether these promises are fulfilled. Only auto insurance agents that abide by their promises, pay attention to quality, and put the interests of members and customers first, are trustworthy and trustworthy.
Pacific Automotive Network
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