"After repair, I give the invoice amount of insurance company is 10182 yuan, but the insurance companies only claim 8807 yuan, and the insurance company is not refund excess repair invoices." The owner Mr. Chen yesterday to this newspaper news hotline 968111 reflect.

The reporter interviews understanding to arrive, the insurance company "claim" no return after redundant repair invoice is really "guild regulations", the insurance company usually do not take the initiative to return the invoice, unless the owners strongly urged.

Claim amount did "shrink"

Mr. Chen is cast in the insurance company insurance last year, in February this year his Peugeot car collision accidents in Putian.

Then the insurance company the site survey, the vehicle was towed to repair, repair factory repair invoices issued by the display, repair materials fee is 10182 yuan, repair labor expense is 3000 yuan. A month later, Mr. Chen paid to get all repair labor expense, but got only 86% of the repair cost of materials, that is 8807 yuan, the actual cost less than 1375 yuan. Mr. Chen can not understand is, why repair labor expense all the claims, the cost of materials can only claim a part, they also need to take the 1000 yuan.

Mr. Chen also think, he submitted all invoices, insurance companies should be the claim. But the insurance company staff said, "repair invoices claim materials submitted to the provincial company, the system can display material repair beyond the claim amount." The difference is also very normal, the invoice price is not equal to hit the claim amount, after claims review after the price is the amount of the final settlement.

Redundant invoices not retreat is "guild regulations"

The reporter learns, the owner is not full insurance, or repair costs more than the loss amount of insurance company, the owner finally got the money than the repair cost less, but the insurance company "claim" no return after repair invoice is really "guild regulations".

Person in charge of an insurance company in Fuzhou told reporters, insurance companies generally will not take the initiative to return the invoice, if the owner suggests strong demand, the insurance company will refund, retaining only the copy of invoice has been returned.

In fact, the tax department does not allow insurance companies to refund the excess invoice, once the insurance company by the tax departments verification was fined, given the explanation is that once the insurance companies to refund the repair invoices, repair factory may through the cancellation of invoices for tax evasion. There are industry is revealed, some insurance branches can use owners stay invoice making false claims, get more indemnity from the parent company, so that the branches of the money for the bonus.

Generation of claim many problems

It is reported, the invoice situation is easy to appear in the repair factory generation claims. An insurance company responsible person, many owners to save trouble, often put their own identity, lost car garage insurance agents, this is probably and repair factory working personnel of the insurance company in collusion, the insurance company to claim amount all transfer payments to repair factory, from the repair factory get more the amount of claims.

If the processing procedures adjustments to the owner, the claim amount is directly into the owner's Bank account. Therefore, the owner should not entrust the repair mechanism of sole agency claims, at least to their own reporting and wait for the insurance survey members to loss.

However, reporters from the insurance supervision department was informed that, since November, auto insurance claims can not bypass the owners, even if is the direct transfer to repair mechanism, insurance companies also need to inform the owners by telephone or in writing, which will help to protect the interests of owners.