The different claims by kicking the ball trap many owners claim why is injured


"Information times and the financial weekly" reported earlierSafetyInsurance is not on the exemption clauses tell obligation, and the Pacific Telephone car insurance claims service discount after the event, has been widespread concern in the community. With more and more people buy cars and the car insurance, car insuranceConsumptionThe dispute also grow with each passing day. In the auto insurance claims process,The insurance company"Uncle" style, and the lack of people-oriented service attitude is caused by the large number of owners discontent, complaints and As one falls. To continue to pay attention to the topic we want to reveal all sorts of auto insurance, auto insurance claims in the trap.

　　The different claims by kicking the ball

　　A net friend complaint says, September 8, 2010, own driving a Jiangxi license plate vehicle in the eastern city of furniture Lecong Town, Shunde District Foshan on road sections with a Guangdong vehicle collision accidents, resulting in a passenger vehicle in other injuriesInsurance companies in various ways for customer service, not claims

On the second day after the traffic accident's (September 9th) the netizen call the Jiangxi YANGGUANG insurance service telephone to report, later Foshan area sent a Claims Officer to the scene to take photographs, and go to the hospital to visit the injured. However, subsequently the netizen told to to JiangxiApplyThe claim, then, the net friend to call Jiangxi Fuzhou property of YANGGUANGConsultationThe netizen, did not think of is, and he is like to kick a ball kicked back, let him direct contact each other Foshan area YANGGUANG insurance company.

At first, Jiangxi Fuzhou YANGGUANG insurance company responsible person told him, can claim in Foshan local, the insurance company will put the money directly to the insured in the Jiangxi Fuzhou, the netizen company Shunfeng express company, the user can directly find the company money, but after the Jiangxi Fuzhou YANGGUANG's mind, that must be returned to Jiangxi to claim.

Like the ball is kicked, the netizen started in the site of complaints, YANGGUANG insurance company Jiangxi branch Fuzhou later agreed to submit the information in Foshan claim. In November 1st, the net friends together all the information, but half a month later, still no news feedback, then, again with the company the users fail by not claims.

　　Complaint:YANGGUANGProperty insurance

Analysis

The insurance company for compensation rate than claims drop

　　In fact, the different claims and local insurance claims process is not much difference, only increased the number of procedures. If the insured vehicle in Jiangxi, in Foshan after be or get out of danger, but in Foshan local claims, the insurance company will Foshan area loss price information sent back to Jiangxi.

As the level of consumption of different parts, different loss widespread price differences, such as in Guangzhou will be damaged for the price of 10000 yuan, but the Jiangxi insurance prices may be only 8000 yuan, the loss will be different, both sides can negotiate.

At the end of each year, the insurance company in order to reduce the loss ratio, even if the local can claim, will push to the land. "Payment rate once exceed the standard, may affect the insurance company internal personnel performance. So at the end of the year are not willing to claim." On the other hand, since the local place can claim, and the insurance company staff is really very busy, also exist in the case to the situation in other regions. But if the vehicle insurance companies, in this case,SuggestionsCommunication with the local insurance regulatory authorities, for the special case of special treatment.

　The loss of 400 yuan repair costs thousands of

　　Recently, Mr. Jing one owner of Xi'an to word-of-mouth financial network complained, he in December 22nd last year, in a shop in 4S Xi'an purchased Peugeot 307 hatchback manual car, at that time, Ping An insurance sales staff said, if the purchase of Ping An insurance, to repair after the accident directly on the manufacturers authorized regular 4S shop, in order to avoid other small insurance companies can not be in the normal 4S point of repair.> > related complaints:This is theChinaPINAN, the so-called good service of formal insurance company?

So, Mr. Jing to buy that dayPINANInsurance against all risks, including the loss of vehicle insurance, whole vehicle pilfer, car personnel liability insurance (drivers and passengers), body scratch damage insurance, commercial third party liability insurance, breakage of glass, and all the related non deductible and cross strong insurance.

January 7th night at about 19:45, Mr. Jing vehicle on the road accidentally hit a Subaru car full responsibility, Mr. Jing, call report he call Ping An insurance after 5 minutes, they appointed a surveyor to Mr. Zhou Jing, and suggested it to near a rapid settlement center to process.

When Mr. Jin all the information returned, surveyor told not damage according to 4S shop price, if you need to 4S shop repair, the difference shall bear.

He then call the 4S shop advisory, 4S shop repair mode proposed according to the situation described Mr. Jing, and valuation of 1700 yuan, while Ping An insurance loss will be given loss price is only 400 yuan. Mr. Jin said that the loss can not accept. Just put the car only 16 days, the vehicle is still within the warranty period, of course, hope in the 4S shop repair, and buy insurance, Ping An insurance salesman told the manufacturers authorized regular 4S shop for repair, and if the other repair shop repair, the repair process may not reach the quality standard factory.

Similar to Mr. Jing this loss price and the price difference is not repair case, especially for high-grade car, the insurance companies more reluctant to follow 4S shop repair to damage. Recently, a Guangzhou owners insurance safe auto insurance, collided with a BMW on the road, BMW car was damaged, take full responsibility for the owners, he immediately report the loss, but the price and the BMW car repair price difference of about 2000 yuan, the insurance company refused to pay, but the owners pay 2000 yuan. For the owner of the BMW.

　　Complaint:PINANProperty insurance

Analysis

Therefore the lack of objective evaluation process

The vehicle after be or get out of danger, the insurance company is not willing to let the owner to the 4S shop repair, while the owners in order to ensure the repair quality, especially for high-grade car, in the 4S shop repair to ensure the replacement are plant parts, they are more willing toChoice4S shop repair. The insurance company makes its frequent complaints.

ChinaLifeInsurance company concerned told reporters earlier, some high-grade car specialist has a monopoly, repair cost is much higher than ordinary repair, after the Chuxian owners like to import these special shop repair, if the insured in accordance with the current rate, the insurance company may even face a loss. In view of this, many insurance companies to high-grade car insurance increased threshold, or increase the premium or direct rejection.

　　Even if the insurance company according to the market price to the loss, but also the lack of an objective standard. "The market price has a band, such as a screw for the price of 5~6 yuan, so what is according to 5 yuan, or 6 yuan to be hurt, entirely by the surveyor to say." Yan Hekai said, at present, the domestic insurance companies is not an objective assessment of the process in the loss, the loss of price is still depends on human factors.

　　Damage points too time-consuming and laborious

In 2009, the owner Miss Li parking in the vicinity of the young Kei village Guangzhou City home area, collided with another vehicle, Miss Li's vehicles are slightly damaged, but the other vehicles damaged more serious. Vehicle insurance Miss Li is the automobile insurance, because the accident take full responsibility, she immediately call the insurance company PICC telephone report, sent to the site survey, the vehicle to a branch of road damage, loss. In this regard, Ms. Li reflect damage points too inconvenient, time-consuming and laborious, PICC Property without considering the actual situation of the insured, the lack of humanized expressed dissatisfaction with the service.

In addition, another owner Mr. Zhao told reporters to reflect the same problem, after his car accident in Pazhou, reportRENBAOThe insurance people demand drove up in a Fangcun damage, loss, "claims only 300 multivariate, but from the Pazhou to Fangcun to waste their timeTimeThe quality of service, so that's a shame, don't do to people." Mr. Zhao complained.

　　Complaints: RENBAO insurance company

Analysis

Claims supporting hardware failed to keep up with

The owners have expressed to the reporter, damage, insurance company is specially designated, even if the distance is no way. But some owners because the claims cumbersome, for smaller cases, in order to avoid the loss is not worthwhile situation claims is higher than the cost, often take not reporting practices, repair itself, of course, the loss is their mentality.

The personage inside course of study expresses, as more and more people buy cars and insured insurance, the insurance company hardware facilities also need to keep up with. Starting from the more convenient owners claim for insurance claims angle, speed. A very important work which is the solution to the insurance companies and owners of disputes.