Whether does the loan auto purchase renew the being a problem car dealer to force to renew?

“in last August, I have bought a vehicle in the Zhengzhou some 4S shop loan, these days must when renews to the vehicles, I thought that the 4S shop the insurance premium is too expensive, thought that ask an Insurance company's acquaintance to renew, but the 4S shop's staff actually tell me, must renew in their shop, otherwise before pays 2000 Yuan will renew the deposit no longer to return. ” recently, resident Mr. Mei had reported to the newspaper he after loan auto purchase meets “the compulsion to renew” the question. vehicle owner: Why renews must in the 4S shop? “, because loans the auto purchase, the car dealer requests me to before paying off the loan purchase the `fully comprehensive insurance ', such request is reasonable, I may accept, but why can also to purchase the insurance premium the place to make the limit?”This point makes vehicle owner Mr. Mei not to understand very much that he believed that so long as plant according to the automobile manufacturer's request purchase stipulation's safe danger then, as for buys the insurance in where, which Insurance company chooses, he should have his decision-making power. regarding this, some automobile 4S the shop person in charge told the reporters, when initially Mr. Mei loaned the auto purchase, signed in the loan auto purchase contract with them already to renew the matters concerned to the insurance to carry on the agreement, namely the vehicle owner must, in the Financial company assigned in the 4S shop renewed, otherwise 2000 Yuan deposit no longer returned. Since signs has such contract, the vehicle owner must according to the contract agreement execution, the violation not be able to return 2000 Yuan deposit again naturally.however Mr. Mei does not approve regarding this, “initially when sign loan contract, the dealer has not informed my this provision explicitly the agreement, indicates regarding these 2000 Yuan deposit's reason fuzzily.” and Mr. Mei have similar bitter experience vehicle owner Mr. Liu also to report to reporter, “when initially signed the loan auto purchase contract, the car dealer brings several pages of contracts to let me sign, I also do not have looked carefully how various provisions are do agree, this year renews when only then knew, initially stipulated with in a dealer sign's appendix contract, loans in three years the vehicles to renew must in their company.”Regarding this, Mr. Liu thought that such contract obvious is “the overlord contract”, when conclude and sign contract the dealer has not arrived at the duty which the reminder informs. 　Car dealer: This act is only right for prevention risk facing the vehicle owner “the compulsion renews” “the overlord provision” the accusation, some car dealer “tells of one's hardships and oppressions greatly”. “regarding the automobile Financial company, the automobile consumptive loan risk is big, therefore in sign auto purchase contract time, the car insurance first beneficiary is the Financial company generally, only will then like this only then make loans. If the consumer renews time to the dealer place, the dealer will not be unable to supervise the vehicles whether to press the request to renew, but if the vehicle owner is not prompt renews, the vehicles have the accident or the loss, the vehicle owner also do not have the credit repayment ability, this will give the Financial company to create the massive loss.”Some car dealer finance loan's department person in charge indicated that at present the vehicle owner loans the auto purchase the head to pay the proportion only then 30%, after first year repayments, still has big part of Che Kuan is pays by the Financial company, to guarantee that Financial company's benefit, can only adopt receives renews the earnest money the bad plan to restrain the consumer. “the mortgage auto purchase needs to hand over renews the earnest money already is the profession hidden rule, has not only been revealed.”An anonymous car dealer credit consultant indicated that “the present major part dealer can request the mortgage auto purchase to hand over this expense. Requests the insurance is essential, since because loans the auto purchase, then this vehicle's property right did not have to belong to individual completely, if the vehicle is robbed snatches or the accident, is lost possibly is the Financial company (or bank), 4S the shop must take the joint and several liability.”Attorney : The car dealer procedure is “the overlord provision” the Zhengzhou holds up day Law office Director Li Weifu to believe that the such provision agreement obvious existence “the overlord provision” the suspicion, has itself as the vehicle owner to the vehicles insurance option, the loan company may request the vehicle owner to renew, and to renews must purchase the danger which plants and insures the first beneficiary (Financial company, bank) the grade approximately to make the stipulation, but cannot limit the vehicle owner to purchase the safe place. If the consumer thought that such contract is “the overlord provision”, has encroached upon the vehicle owner proper rights and interests, then may through the legal way recognize that this provision is the invalid provision. Li Weifu also simultaneously reminds the consumer, because the automobile manufacturer provides the contract is the form provision mostly, these form provision also only mostly is formulates in a car dealer side benefit foundation, therefore, vehicle owner in sign auto purchase contract time, certainly wants the careful reading provision to stipulate, meets “the overlord provision” to be possible similarly to reject the signature.

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.

The car insurance as wants take “the safeguard” the automobile purchase insurance is originally for “the safeguard”, the safeguard security, the safe

　　Insurance two way on the second-hand vehicle insures does not have the imagination that complex actually. The consumer definitely may complete, thus saves the commission fees which insures. handles the car insurance transfer to have two ways: The first kind mainly carries on the chit essential factor some to revise, the key is revises the insured and the vehicle owner. Needs the material is quite simple, takes to bring with the chit and the vehicles transfer proof, to buys the insurance from the original vehicle owner the Insurance company marketing mesh point to handle originally then. the second way, is the application draws back guarantees, namely sends back the original that car insurance, terminates the beforehand contract. By now only needed to pay starts from the insurance to draws back guarantees this period the insurance premium, the other insurance premium Insurance company will return correspondingly. Afterward, the new vehicle owner may arrive at any Insurance company to handle a car insurance. The material which in this kind of situation, draws back guarantees when needs, also wants the ID card except the chit. Takes out insurance, only need provide the new travel card, or the vehicles transfer title of ownership the proof might take out insurance.how did the insured value determine that the vehicles' insured value is according to new car's purchase price decision, including vehicles unit price and additional purchase expense. the vehicles damage insurance's insurance may decide according to the insurance time insured value, may also consults the determination by the warrantee and the insurer, or decided according to vehicle's actual value, but highest do not surpass the insured value, surpasses the part to be invalid. in the insurance clause stipulated that insures vehicles' actual value formula is: The actual value = new car purchase price/country stipulated that the service life * (country stipulates service life - already service life). 　In the concrete operations may consult the Insurance company staff, like this is free from worry.on which dangers plant the second-hand vehicle generally “the vehicle” the old bead yellow, the boldest safe plan may on only 100,000 Yuan three dangers. Repairs the cheap vehicle like this regarding Poussin, courageous, the technical perfect vehicle owner might as well directly gives up Che Sunxian. the another kind of conservative on danger's plan was in has guaranteed three dangers, average insurances and so on outside Che Sunxian on a robber emergency. Poussin is the black market common vehicle type, is robbed the risk to be high. However robs the emergency price to be high, wants to economize the consumer may high quality security rob between the emergency in the purchase with on to make a choice.

Do not covet the little profit to buy the car insurance to elect to assign service shop cautiously

After buying the insurance is the auto purchase must pass through the procedure, but buys in where, spends the how much money to buy is very the key, after the direct relation automobile presents the breakdown adjustment. Some vehicle owners initially bought the vehicle hour corrupt little profit, to save several hundred Yuan to throw the insurance premium, but through some not regular proxy organization insurance, after waiting the automobile to present breakdown, cannot obtain when the ideal principle compensation Fang Zhi to regret. The professional reminds the vehicle owner, the purchase insurance do not want to covet the little profit well. did not service in January breakdown one month ago vehicle owner Mr. Guo to have a traffic accident once again, appraised after the Insurance company, to the initial insurance service factory service, more than 1 month of vehicles original traffic accident suffered injury the spot once again breakdown. Mr. Guo arrives at the 4S shop examination, the conclusion is the previous service has “the sequela”, but because the vehicle owner escapes from danger, is not in the 4S shop service, therefore 4S shop rejection free maintenance. Repairs a vehicle the factory to recognize that originally the repair does not have the question, the Insurance company expressed that the vehicles accident already the adjustment finished, suffers injury once more belongs to the service accident, is not responsible to compensate. Therefore, Mr. Guo can only from pick pockets the nearly thousand Yuan. original, Mr. Guo takes out insurance damages the service enterprise is not the 4S shop surely, buys the vehicle takes out insurance time to save the insurance premium, he takes out insurance through the Insurance agent, assigns the service shop is the common automobile service factory, may save 300-400 Yuan to throw the insurance premium. Facing nearly thousand Yuan service costs of the loss, Mr. Guo said that has one kind of gain does not equal the loss feeling really. 　The car insurance as wants take “the safeguard” the automobile purchase insurance is originally for “the safeguard”, the safeguard security, the safeguard loss obtains reimburses essential. The insurance premium height closely is also related with the insurance content. Chooses when the car insurance, if only takes the insurance premium to make the comparison, but neglected the danger to plant, the responsibility scope, the accessorial service and so on key aspect, had the possibility to create the gain does not equal the loss. is high in the 4S shop insurance expense, but the vehicle owner may enjoy to the more specialized point service, usually damages the volume relatively to be also high surely. If selects the insurance to the small proxy, usually the insurance premium will be low a spot. But the Insurance company damages surely, if damages the specified amount to be lower than the 4S shop repair expense surely, the vehicle owner must make up the price difference or seeks for the service factory. If meets the bad service factory, has the possibility to create the vehicles very much “two breakdowns”. therefore, the professional reminds the vehicle owner, if thought when insurance assigns 4S shop maintenance cost unacceptable, certainly must before the insurance the inquire closely Insurance agent takes out insurance assigns the service shop the intelligence and the credit, in order to avoid suffers the loss.

Summer the climate unusual attention car insurance summer “four do not compensate”

　The climate is summer unusual, or the hot hot sun, either the pouring rainstorm, very easily causes the damage to the automobile. But creates regarding certain peculiar circumstances the automobile loss, the Insurance company does not give the compensation. in the water starts sends the engine to damage in the summer is the rainstorm sends the season, once in the rainy day driving, very easy to flood the engine, if starts easily in the water to create the engine damage. But, the misoperation causes regarding the vehicle owner in the water explodes losses and so on cylinder, the Insurance company does not give the compensation (, only if vehicle owner takes out insurance “fords hazardous going by water”, some Insurance companies do not have this danger to plant). the expert reminds: The car owner when has not determined the water depth, certainly do not go by car to ford. the blowout causes the tire loses under the hot hot sun, if the automobile tire gasification is too full, meets insolation the road surface again, very easy to initiate the blowout. But tire's loss which causes regarding the blowout, the Insurance company does not give the compensation. the expert reminds: Should better not imitate too full in the summer automobile tire's gas, when driving do not run the express train, is careful causes the multiple losses because of the tire initiation accident. the automobile body unaccelerated aging and damages the summer, the vehicle drenches after the insolation perhaps the rain easy to create the scratch spot primer flaking or the corrosion. Che Biao who creates regarding this kind of reason loses the insured company to be called the nature damage, belongs to the relief scope. the expert reminds: On when the automobile body has the scratch, certainly must inform the Insurance company to carry on the adjustment promptly, repairs as soon as possible, in order to avoid breakage surface expansion. in the vehicle danger detonation many vehicle owners can put the commonly used little thing in the vehicle, like the cigarette lighter, the aromatic compound and send the rubber and so on, but in extremely hot summer, these high explosive cargos, if the long time after the insolation, very easy to initiate explodes, regarding the Insurance company firm will not compensate. the expert reminds: In vehicle's high explosive cargo must certainly pay attention to depositing, because is careful own some tiny customs to create the heavy loss.