Recently, a friend received a call from a self-proclaimed insurance company and said, "Hello, Mr. XX, your auto insurance is about to expire. You are an important member of our company. I hope you can continue to renew your insurance with me. Before your insurance expires, we will repair, inspect or paint you for free. "
This friend thought that such a good thing did not need to be bothered by himself, so he went to the designated repair shop according to the salesman's guidance. As a result, when he renewed his insurance this year, he discovered how expensive the compulsory insurance was. He obviously didn't insure against both accidents. As a result, he went to the insurance company to check the report record, and found that the so-called free spray painting was actually a repair shop taking his car to cheat, and there was a bilateral accident, and later he found the repair shop that reported the case. The explanation given is that the accident insurance of this car is not good, because the painting places are connected in series, so he must drive the car out to fake an accident scene, which is to create the illusion that two cars collide or scratch.
Usually this happens in some small and medium-sized repair shops. They usually cheat insurance with insiders of insurance companies through kickbacks (such as insurance company salesmen, surveyors, loss adjusters, some major cases with over 10,000 yuan, and even nuclear losses are linked to claims settlement). They usually take your car as the main responsible party to scratch or collide with another car with no responsible party, and then drive to the insurance company to determine the damage, and then they can start repairing the car. Many car owners only pay attention to the situation when they pick up the car.
Prevention methods:
1, don't be greedy for petty gain and convenience; 2. Let the repair shop take you when determining the damage, because of the price, repair parts, accident reasons, etc. It will be detailed in the loss statement.
(1) Mobile phone insurance
Motor vehicle insurance is a kind of insurance with automobiles, trams, battery cars, motorcycles, tractors and other motor vehicles as the subject matter of insurance. Motor vehicle insurance can be divided into compulsory insurance and commercial insurance, and commercial insurance can be divided into basic insurance (also known as main insurance) and additional insurance. Motor vehicle insurance came into being at the end of 19. The earliest motor vehicle insurance policy issued in the world is the automobile third party liability insurance policy issued by the British "Legal Accident Insurance Company" in 15, and the insurance premium ranges from 10 to 100. And car fire insurance can be insured at a higher premium.
(2) Automobile insurance
Motor vehicle insurance generally includes compulsory insurance and commercial insurance, and commercial insurance includes basic insurance and additional insurance. The basic risks are divided into vehicle loss insurance and third party liability insurance, vehicle theft and emergency rescue (theft and emergency rescue) and vehicle personnel liability insurance (driver liability insurance and passenger liability insurance).
Additional risks include glass breakage insurance, scratch insurance, spontaneous combustion loss insurance, water-related insurance, no-fault liability insurance, vehicle cargo drop liability insurance, vehicle stop loss insurance, new equipment loss insurance, special insurance without deductible, etc. Glass breakage insurance, spontaneous combustion loss insurance and new equipment loss insurance are additional risks of body loss insurance, and these additional risks can only be insured after vehicle loss insurance is insured. Vehicle liability insurance, no-fault liability insurance, vehicle cargo drop liability insurance, etc. It is an additional risk of third party liability insurance, and these additional risks can only be insured after the third party liability insurance is insured; Each risk can be insured independently without deductible.
(3) Compulsory insurance
The full name of compulsory traffic insurance is compulsory liability insurance for motor vehicle traffic accidents, which is the first compulsory insurance system implemented by national laws in China.
The Regulations on Compulsory Motor Vehicle Traffic Accident Liability Insurance [hereinafter referred to as the Regulations] stipulates that compulsory traffic insurance is compulsory liability insurance in which insurance companies compensate victims [excluding people on board and the insured] for personal injuries and property losses caused by road traffic accidents of insured motor vehicles within the limits of their liability.
Compulsory insurance can be surrendered under the following six circumstances: the insured motor vehicle is deregistered according to law; The insured motor vehicle stops driving; The insured motor vehicle is confirmed to be lost by the public security organ; The applicant repeatedly applies for compulsory insurance; The insured motor vehicle is resold, transferred or sent to a place other than the vehicle registration; The new car was taken back by the seller due to quality problems or the traffic control department refused to come to the door because the relevant technical parameters did not meet the national regulations.