At about 1 October1,202 1, and in the evening 10, I was rear-ended by a car driven by Mr. Su at the traffic lights at the intersection of Chuancha Industrial Zone on Mayong Highway in Dongguan. At that time, the road traffic accident certificate given by the Ma Yong Traffic Police Brigade was deemed as the other party's full responsibility, and we were not responsible. The insurance company of the other car is China Ping An Insurance.
Because it was a simple and minor accident, no one was injured, and the other insurance surveyor was not present to deal with it. The other party just told me to find a place to repair the car, and Ping An Insurance will take care of it.
That night, I received the advice of Ping An Insurance, and the repair shop of 4S shop is also the repair shop of my car brand. But because it's at Nancheng Station and I live in Shijie, which is far away, I didn't go to the suggested 4S shop for maintenance, so I found a garage nearby that has a cooperative relationship with Ping An Insurance. Here comes the problem.
The master of the garage told me that they have a cooperative relationship with Ping An Insurance. He will repair the car and they will handle the claim. The maintenance costs are all connected with Ping An, and I don't need to bear the costs. So I thought I could take the car when it was fixed. However, this is completely different.
First of all, Ping An Insurance went to the repair shop to determine the damage the day after the survey. I took photos, and the maintenance fee for the first time was 1800 yuan. Including automobile tailgate replacement, rear bumper replacement, 1 reversing radar replacement and painting repair. The contract repair shop does not accept this price, and then communicates with the personnel who survey and determine the damage, so that Ping An Insurance can purchase the parts by itself and send them to the repair shop, and then the repair shop will do the maintenance work.
The first question arises:
Ping An Insurance's surveyor 1800 yuan included replacement parts and maintenance costs, but Ping An Insurance purchased my tailgate, rear bumper, reversing radar and rear bumper frame by itself, which cost 2 1 15 yuan. What was the previous loss appraisal price 1800 yuan based on? The parts they bought by themselves have exceeded the price they set for the garage before. Is Ping An Insurance Company's survey and damage assessment all imitating the tinkering of Cangzhou Ping An Insurance Company?
The second question:
Ping An insurance survey and damage assessment personnel have never communicated with me about the price, and the garage has always said that the repair price of the damage assessment is unknown, telling me that Ping An insurance has said so much, which has nothing to do with me. The garage started repairing the car without getting the fixed damage price. Personally, I think that since they are cooperative, the garage repairs cars, I just want my car back. As for the repair cost of the claim, it is a matter of the dealership and Ping An Insurance.
But when the garage repaired the car, I went to get it. The garage staff told me that the cost of repairing cars and replacing parts is 4,000 yuan (the cost of parts is paid in advance by the garage), but the fixed loss price of the insurance company is 3 129 yuan (including the cost of parts), which is 87 1 yuan, so the garage and the insurance company cannot reach an understanding of * * *. As a victim, I am not responsible for this accident. My new car has only been driving for three months, and then I was hit by a bumper and changed the back door. This is forgotten. Nobody wants an accident to happen. I was also very friendly to the other side of the accident. During the whole accident treatment, our conversation was very harmonious, but the way the garage and insurance company handled it made people very angry. The insurance company said that Ping An is a contract repair shop, and the price of survey and damage assessment can make the repair shop make money. However, the repair shop detained my car in the repair shop, and the surveyor of Ping An Insurance told me to let me go through legal procedures without assistance, so my car has been parked in the repair shop and has not been handled properly?
In the end, there was no choice but to pay 4000 yuan in advance and get the car back.
The third question:
Because of this, I called 955 1 1 five times to complain. It happened to be Saturday and Sunday that day, and Ping An Insurance's customers said that they would give me urgent treatment. As a result, nobody called me back until Monday. Although I didn't buy Ping An insurance (I'm glad I didn't buy Ping An insurance), at least the vehicles insured by your company caused me losses. You share the worries for your customers.
Summarize two questions
1, buy insurance, don't buy ping an insurance, or "sewing" may really happen to you after the accident.
2. When repairing a car, you must go to the 4S shop, and you must also go to the 4S shop of your own car brand. Don't go to any contract repair shop, detain the car, and pay the maintenance fee in advance.
Be sure to confirm the maintenance cost before repairing the car, otherwise the garage will "kill the dog and bargain", much like the finger seafood that was immediately slaughtered in Zhanjiang before. Everyone should pay attention to the repair shop of Dongguan Changyi Automobile Service Co., Ltd. above. At first, it was said that the insurance was connected, and finally the car was detained, so the repair fee should be paid in advance.