The insurance Tendering agency “the emergency” the inside story commission fees is highest reaches 15%

Because the transportation forces three dangers (hereafter refers to as “hands over strong danger”) carrying out, at present in the market presented some insurance Tendering agency to use the low price insurance premium attraction vehicle owner, after deceiving the vehicle owner ID card number through handed over the strong dangerous system ahead of time under the list, robbed the customer finally the behavior. Some time ago, vehicle owner Mr. Yang on the personal experience entire process. intermediary was lead “(insurance) the Tendering agency too has been really excessive.”Recalled several week ago experience, Mr. Yang was still indignant. He indicated that the insurance Tendering agency is robbing the customer aspect to have oneself set of mature systems, if to the car insurance, the legal knowledge insufficiently understood, can only, no matter what the Tendering agency organizes. recalls according to Mr. Yang, his car insurance is expires in October 8, as a result of the National Day long vacation's reason, he must purchase the car insurance before September 30 only then not to send expired. In the entire in September, Mr. Yang unceasingly receives insures clerk's telephone, sells the respective Insurance company's car insurance, the basic similar telephone about ten several, 20, lets Mr. Yang bothersome every day extremely bothersome. Finally, an insurance intermediary clerk has brought to Mr. Yang's attention. This clerk said that he is at the company is the Chinese people property insurance Limited liability company (hereafter refers to as “guarantees”) the first-level proxy, but establishes newly through him in one Insurance company purchases the car insurance (to hand over strong danger and commercial danger) only needs for 4900 Yuan/years. But before Mr. Yang's car insurance expense has not been lower than 5000 Yuan/years, moreover he also has left last year several dangers, therefore the insurance premium should also have surfaces the boat. Stemming from to such ultra low car insurance price's curiosity, Mr. Yang requests opposite party to come out the concrete insurance premium detailed newspaper. Opposite party name must calculate that the concrete expense needs to provide the vehicle owner the ID card number, therefore Mr. Yang the protection has not provided own ID card number. very quick several minutes later, this clerk wired back for Mr. Yang said that through looked up the material only then to know a moment ago Mr. Yang's vehicle has left three dangers last year, therefore most started 4900 Yuan/years which sent out to be unable to realize, now the fully comprehensive insurance quoted price enhanced for 5800 Yuan/years. This enhanced the nearly 1000 Yuan nearly in the original foundation, therefore Mr. Yang could not accept such price to reject. This clerk inquired immediately he planned which Insurance company purchases the car insurance, Mr. Yang speaks thoughtlessly the expression plan to take out insurance in the Pacific Ocean Insurance company. snatched Shan Jiaoqiang dangerous like this to cross for several days, Mr. Yang has asked the clerk who in guaranteed to purchase the next fiscal year to be safe, the result is informed actually he the junction strong danger already in the Pacific Ocean Insurance company (hereafter referred to as “grand guardian”) under only. This lets Mr. Yang be quite surprised, because he has not purchased any insurance in the grand guardian.Mr. therefore Yang associates several day of ago that insurance intermediary, regarding this guarantees the clerk suggested that he 95500 serves the telephone to the grand guardian to carry on the suit, and provides this insurance intermediary telephone number to the grand guardian then to abolish this chit. Afterward Mr. Yang accidentally has received this insurance intermediary clerk's telephone, he told Mr. Yang already to help it to take out insurance the car insurance in “the grand guardian” to combine the good chit, asked Mr. Yang to inform the specific address, he will deliver directly the chit Mr. Yang in the family, Mr. Yang only need sign at the appointed time the confirmation and pays money in front of may. In Mr. Yang interrogated he has any right when without the person concerned agreement under the list, this clerk indicated that the chit already left, can only in leave the single Insurance company to purchase the insurance, was also in any case unable to elsewhere to purchase. In afterward making secret inquiries, some insurance intermediary clerk indicated to reporter that they under hand over the strong dangerous chit not to need vehicle owner's ID card, to go ahead of time this copy, so long as provides vehicle owner's ID card number to be possible to leave the list. Their reason is, the ID card number is the personal information, had this number to be equal to that was under vehicle owner's authorization. regarding this, a safe clerk disclosed that to snatch the customer first, after the insurance Tendering agency swindles vehicle owner's ID card number, leaves the list ahead of time. Although was only gets down ahead of time has handed over strong dangerous the chit, but part of vehicle owners did not understand that the commercial danger might with hand over the strong danger to separate the purchase. Moreover to reduce time the purchase and the adjustment trouble, some vehicle owners have also purchased the car insurance which under Tendering agency's strong method the Tendering agency recommends. Situation which meets as for Mr. Yang, should be intermediary first under other company the list, after then prepares attains the insurance premium, to draw back the list to purchase Mr. again Yang to hope the purchase the Insurance company car insurance.after , under Mr. Yang's over and over suit, the grand guardian only then reluctantly abolished Mr. Yang's junction strong danger chit. Surname Wang grand guardian car insurance department business section staff before removing the list to indicate to Mr. Yang, the Insurance company itself also has the negligence the place, for example has not carried on any form with the vehicle owner the checking to leave has handed over the strong dangerous chit. the vehicle owner may sue Reporter in the interview to find that looks like Mr. Yang this kind of bitter experience to snatch the single vehicle owner to be not infrequent, the related department is also investigating this matter, if an Insurance company without the vehicle owner agreed that surpasses the certain proportion on the under single number of times, is going to receive the penalty. the Insurance company 70% selling operation give the Insurance agent, the Insurance agent attains a junction strong danger to throw the chit every time to be able to obtain the insurance premium 4% rewards from the Insurance company, the commercial danger reward most high energy achieves the insurance premium 15%. Some Insurance companies will also return to the advantage at the end of the year for the achievement good safe agent, under the benefit obligation, the Insurance company will put forth each strategic move to snatch the list. The vehicle owner may sue Reporter in the interview to find that looks like Mr. Yang this kind of bitter experience to snatch the single vehicle owner to be not infrequent, the related department is also investigating this matter, if an Insurance company without the vehicle owner agreed that surpasses the certain proportion on the under single number of times, is going to receive the penalty. the Insurance company 70% selling operation give the Insurance agent, the Insurance agent attains a junction strong danger to throw the chit every time to be able to obtain the insurance premium 4% rewards from the Insurance company, the commercial danger reward most high energy achieves the insurance premium 15%. Some Insurance companies will also return to the advantage at the end of the year for the achievement good safe agent, under the benefit obligation, the Insurance company will put forth each strategic move to snatch the list. the wealth danger profession expert indicated that any Insurance company in had not permitted after the vehicle owner, gains the vehicle owner ID card number vehicle owner's junction strong danger locking is contrary. The vehicle owner may sue to the Insurance Regulatory Commission.if vehicle owner's junction strong danger chit is locked by an Insurance company, the second Insurance company cannot give this vehicle owner to leave again hands over strong dangerous the list. So long as has not paid the insurance premium, may arrive at the second Insurance company to throw the protection strong danger, the vehicle owner signs the redundant insurance with the second Insurance company to consider the invitation circular then. The redundant insurance considers the invitation circular the information feedback to Beijing mechanical transport accident compulsory insurance database, the Insurance Regulatory Commission or the insurance profession association blockage list Insurance company will give the warning, will make it to relieve locking. the purchase hands over the strong danger to guard against that business trap handed over the strong danger to welcome the second peak in October, some Insurance agent found out each means that let the vehicle owner take out insurance in own company, but these means many had the fraudulence. In the article says the vehicle owner Mr. Yang's bitter experience is a typical example. The vehicle owner when purchases the car insurance should better arrive at the regular mesh point, in order to avoid being deceived. The low price tempts the vehicle owner to take out insurance to hand over the strong insurance cost rate fluctuation mechanism execution and the road traffic accident suspension hook, on 3 and 3 above years have not occurred have the responsibility road traffic accident's vehicle owner to pay the strong insurance cost rate to float down 30%, on 2 years have not occurred have the responsibility road traffic accident's vehicle owner to pay the strong insurance cost rate to float down 20%. 1 year has 2 time and above 2 times has the responsibility road traffic accident's vehicle owner to pay the strong insurance cost rate to surface the boat 10%. present, some Insurance agent according to hands over strong dangerous the tariff adjustment mechanism to start the article, they take will have the means to let the vehicle owner generally enjoy the tariff to decline as the shop sign attract the vehicle owner to take out insurance, wanted to occupy a cheap vehicle owner to be swindled unavoidably. hands over the strong danger from to implement, guaranteed supervises the bureau to establish Beijing mechanical transport accident compulsory insurance database on the request insurance profession association, on the vehicle owner one year has violated regulations the information to be possible to find, wanted to revise violates regulations the record basically not to be impossible. At present can enjoy only hands over the strong dangerous preferential benefit is the vehicles which one year does not escape from danger, these vehicle owners also can only enjoy to 10% tariff decline. Take 6 below family private cars as the examples, one year does not escape from danger the vehicle owner when the next year delivers the strong danger may the cheap 105 Yuan.therefore “discounts” the junction strong danger very has the possibility is the insurance premium is lower than far hands over strong dangerous the commercial car insurance, moreover also has the possibility is pure deceives guarantees the event. Recently had the vehicle owner to believe a Insurance agent “950 Yuan buys hands over the strong danger” the rumor, has bought a vacation insurance. taking advantage of hands over the strong danger to snatch commercial danger present, the commercial car insurance's commission fees most is high is the insurance premium 15%. Regarding the Insurance agent, sells the commercial car insurance to have the profit, but because hands over the strong danger is a compulsory danger plants, has certainly wanted to the time on, therefore the Insurance agent often on the surface is snatching hands over strong dangerous the list, what is actually main is snatches the commercial car insurance the list.The Insurance agent before using this method snatches the list, must to the vehicle owner instill into hands over the viewpoint which the strong danger and the commercial car insurance cannot buy separately. Actually this is wrong, although the Insurance Regulatory Commission stipulated that all vehicles must throw the protection strong danger, but which Insurance company doesn't have the stipulation to hand over the strong danger to arrive at to buy, as well as bought has handed over the strong danger also to probably buy the commercial car insurance. hands over the strong danger and the commercial car insurance may buy separately, not necessarily must tie up in together. But considered, once has the road traffic accident, hands over situation which the strong danger insufficiently compensates, but must depend on the commercial three dangers to compensate. If hands over the strong danger and the commercial car insurance on the different Insurance company, like this when preparation claim material must prepare two, is quite troublesome. Therefore the majority of vehicle owners are willing to buy in the identical family Insurance company hand over the strong danger and the commercial car insurance. the Insurance agent also has settled on the vehicle prime suspect's troublesome psychology, delivered the strong dangerous quick due the connection to snatch the commercial car insurance the list, telephoned unceasingly for the commercial car insurance's profit to the vehicle owner. buys when insurance elected regular channel insures the quick due, one day can receive 56 to be even more Insurance agent the telephone, estimated that many vehicle owners have had the similar bitter experience. Telephone promotion which explodes randomly facing the Insurance agent crazy bang, wants to have the corrupt spot cheap vehicle owner unavoidable meeting heart movement convenient. Such vehicle owner was swindled the probability could high many.Reporter interviews several safe experts suggested that the vehicle owner buys hands over the strong danger to choose the regular marketing channel, the vehicle owner may handle directly to the Insurance company selling area, throws the material which the protection strong danger needs to have goes this and the ID card copy, the Insurance company could find the vehicle owner this year junction strong insurance cost rate through the car license number, might handle appropriately immediately; May also send a telegram to the Insurance company to handle directly with handles the insurance in the Insurance company official website. the Insurance company basically 70% services have given the Insurance agent now, even so, the vehicle owner cannot depend on Insurance agent's several promotion telephone and so on individual information to disclose the ID card. The regular Insurance agent has insures the agency factor qualifications card, moreover by “the low price discount” and so on ways will not tempt the reader. Harasses when facing Insurance company's telephone, must determine that this is a regular Insurance agent can under the list.