Car owners: beware of the seven “alternative car insurance”[汽车保险知识]

With the increase in people's income, owning a private car has become a social fashion. Taking into account the safety of "people and vehicles", most car owners regard insurance as their biggest talisman. But whether some car owners know that if they are not paying attention to insuring the car insurance, they will also hurt themselves.As the relevant laws and regulations of the auto insurance market are not yet perfect, sometimes the insured is caught in the “scheming” of auto insurance, and because there is no way to appeal, they have no choice but to lose money.

One of the alternative car insurance: promote the concept of "all insurance"

At present, many insurance companies, in order to "enlarge" the protection capabilities of their own company's auto insurance types and attract customers, they often provide full coverage in an unimportant aspect of auto insurance, which is the so-called "full insurance." Conceptually, full insurance will definitely attract the attention of most auto insurance policyholders. If it is the first time to enter auto insurance, it is easy to be "fudged" by the insurance company, fancy this "good" insurance, and buy it at a big pocket. In this way, although the auto insurance policyholders bought insurance, they actually bought a kind of basically useless insurance, which was completely useless.

Alternative car insurance II: "Multiple insurance, more compensation" bait fishing

Insurance does not mean that more insurance will pay more, but some auto insurance agents often throw out the bait of "more insurance will pay more" when they sell auto insurance business as an agent to mislead auto insurance policyholders. Originally, 200 yuan is enough for this type of insurance, but due to the arbitrary "exaggeration" of the insurance agent, the insured is allowed to invest 500 yuan in the insurance. In this way, the insurance agent earned more "ambiguous" agency fees from it, but the policyholder suffered a lot, over-insured, and wasted money.In fact, in reality, when any insurance company makes a claim, it is completely based oncarThe actual situation of the magnitude of the danger is not what the agent said, "the more you protect, the more you lose", this is just a cover for them to earn more agency fees.

Alternative car insurance three: "matching" sales cleverly profitable

In order to allow their own companies to obtain greater benefits, some insurance companies have intentionally bundled certain types of auto insurance that could be sold separately, and offered a slight discount on the price of the bundled insurance to make customers tempted. For example, insurance companies bundle liability insurance, anti-theft insurance, and car damage insurance in vehicle insurance as their own company’s basic vehicle insurance for sale. In this way, some of the original insurance applicants do not need a certain type of auto insurance in the bundled sale. Buy, but because of the bundled sale, the price is relatively cheaper, and it is easy for the insured to buy it without knowing it. The ingenious tricks of the insurance company allowed themselves to make money, but the policyholders were unprovoked victims.

Alternative car insurance four: full-time agency premiums privately

In the team of insurance agents of the insurance company, not everyone is very "rules". There are some "violators" who detain the policy of the insured person after they get the policy of the auto insurance policyholder. In the hands of him, so that he can "wait for an opportunity." Once the insurance policy of the auto insurance policyholder is detained by these "violators", the insurance premium of the insurer will be "accidental", and the premium of the auto insurance policyholder cannot reach the insurance company in a timely, smooth and safe manner. If this happens, if the insured of the vehicle is not out of danger, the premiums will smoothly enter the pockets of the "violators". Once in danger, light-risk "violators" may pay for the incident; for big-risk insurance, they will find ways to defraud the insurance company, and if they fail, they will escape. Therefore, in order to make the auto insurance you invest in is really effective, it is best for auto insurance policyholders to go to the insurance company to handle it in person to prevent this kind of harm to themselves.