4S店车险定损“潜规则”触碰《保险法》

“on car insurance time, the sales personnels have provided two set of car insurance plans to me: First, purchases the car insurance in the 4S shop, may enjoy 8 zhe the preferential benefit, and the superiority is 4S shop has damages the power surely, the entire responsibility adjustment gold does not need the customer to pay; Second, may also buy in the non-4S shop, if insures intermediary or the telephone car insurance, may also buy a discount lower insurance in there consumer, but does not guarantee all questions which generally in the adjustment process occurs.” recently, reader Mr. Sun came the electricity to consult its question, “which set of plans do I this choose? whether the 4S shop does have the car insurance to damage the power with to control the car insurance price at will surely the right?”Study question, reporter to the 4S shop whether to have the car insurance to damage the power to carry on the investigation interview surely, also saw damaged surely about the insurance some questions. the 4S shop has damages power to surely understand that 4S shop whether to have the car insurance to damage the power surely, first looked that the Insurance company damages the way surely. At present the Insurance company to damage the way to divide into three kinds surely: Destines damaging by Insurance company this to damage surely, this way is suitable in involves the amount big adjustment; Asks the social company agents to damage surely, is responsible for the nucleus damage with investigates and determines a price; Last kind is authorized the 4S shop, the repair shop by the Insurance company long-distance to damage surely through the network. Last kind damages the way the adjustment gold to have certain monetary limitation surely, the adjustment amount in 2000 Yuan - 20000 Yuan. That is, the 4S shop insured company awarded has damaged the amount vehicles based on this to damage the power surely surely.
　It is reported that the domestic Insurance company basic can award the sale on commission at present to decide damages the power, has the Insurance company to move into 4S for a long time the shop. Shanghai damaged the traffic accident in April establishment's vehicle to insure the adjustment center first batch to set up 5 centers, these 5 centers set up in 5 scale big 4S shop. According to the Yangtze River road on the numerous country east wind Citroen center said that in the shop has 13 Insurance companies to enter and be stationed in turn, then, after the customer escapes from danger, can obtain the convenient adjustment service. the insider disclosed that “, although various Insurance company's car insurance tariff computational method differs from, but the discount basic is consistent.”The insurance returns to the spot is one of dealer profit origins, therefore the car insurance resources also nearly are the service items which each seller must strive. Therefore various 4S shop's car insurance selling price discount nearly arrived at the price agent which the Insurance Regulatory Commission stipulated 7 zhe. But takes various 4S shop, they do not have the control car insurance selling price authority. the 4S shop damages surely has advantages Reporter in the understanding about in the 4S shop car insurance information process, also understood in the 4S shop car insurance exists advantage and shortcoming. it is known that in the accident adjustment, one which of questions the consumer most has a headache is the Insurance company to adjustment gold falling behind, although Shanghai nearly all Insurance companies have pledged: Sues for damages the single card to be complete, to sues for damages amount both sides to achieve consistently, only involves Che Sun to compensate the document, in 5th pays the adjustment gold (holiday to postpone); Involves the human to injury compensates the document, in 10th pays the adjustment gold. But the Insurance company is actually unable to make the prompt adjustment, the consumer one and so on is several months in fact. But has purchased the car insurance consumer generally in the 4S shop, not only damages the adjustment speed to be quick surely, moreover, when has the accident, and is determined when has the responsibility, does not need to pay the adjustment gold, but completely processes by the 4S shop. But the insider indicated that regarding the 4S shop, it bigger car insurance profit lies in escapes from danger the service adjustment, but existence contrary operation. “the dealer has the difficulty, moreover also has the customer request, therefore we can only leave a loophole.”Joint capital brand 4S the shop car insurance person in charge introduced to reporter that “Insurance company's adjustment amount and the thing damage certainly the amount existence certainly to sell the price difference only, according to the conventional procedure, these price differences must pay by the consumer. Will think regarding this as the consumer did not understand that this time our general procedure will be the jot damages surely is coordinated from a man-hour of expense, the large quantity will damage surely when considered that will increase the fitting project. For example the vehicle owner has collided and damaged the bumper, then we give him to open down the head lamp headlamp, makes up the bad head lamp headlamp, damages the adjustment to fall surely together, then installs again the good head lamp headlamp, from this makes up the price difference.” such procedure is really actually universal, the nuclear fixed members who Insurance company damaging, the network damage surely surely knew in the heart that the stomach is bright. Moreover the Insurance company has been controlling surely damaging and the dealer form “the cooperation intercommunication” the relations. It is known that some Insurance companies stipulated that damaging must one quarter round hillock one time, avoid surely damaging surely and the dealer “the cooperation intercommunication”. However Insurance company's stipulation has not played the very big control action.