go out everyday driving, though did not buy commercial insurance for the vehicle has mandatory requirements, but do not really dare to buy insurance on the road of “Warrior” few and far between, which also resulted in our understanding of auto insurance and even familiar. However, according to “Beijing Daily” reported that the first three quarters of 2019, the insurance industry out of a total 497 tickets, 27 regulatory function, involving about 84 million yuan fine. It is true that compared to previous years, this year’s ticket number and value of both fell, but the point is, car insurance still punished the hardest hit.
industry chaos What?
the same company, offer as many different? I believe many people have experienced such a scene, obviously with an insurance company, but reported out of the price will be different. Why is there such a situation? Among these intermediaries and have a great relationship.
Insurance companies often collaborate with other companies to expand their business, which was among the one hand, there is a natural space to operate. For example, one of our most well-known “intermediary” is the 4S shop, a lot of people know, buy insurance in the 4S shop prices are often higher than the outside, which made it clear that without reason. In addition, such a situation is beneficial and bad, the advantage is the struggle between the intermediary often allow consumers to benefit from. But the downside is that we can really get the benefits will not be much, but these intermediary operational capacity varies greatly, in case of defective and not a good thing.
is not even practitioners qualification? For this chaos it is a bit scary, because in auto insurance out of the accident, the damage is also a very important part. Imagine if a car accident happens, people come to deal with the damage may be even narrower than your knowledge, hiding in a corner you do not know how to find open Baidu to assess the damage, although such a scenario might be exaggerated, but it is creepy.
insurance policy loopholes, insurance programs mess. Had such a case happened, the owner bought a used car in the purchase of insurance, the insurance companies know next is calculated in accordance with the premium charged in the case of new cars used cars. However, when the vehicle accident, but pointed out that this is a used car, can only beAccording to the value of used cars for compensation. There is also a case, the owner bought a full insurance, but after being told the whole glass breakage insurance does not include glass insurance, but it belongs to the category of additional risks.
How to avoid these industries chaos?
So as a consumer, how do we avoid the impact of these auto insurance industry chaos brought it in real life car?
If you do not understand anything, to buy a large insurance company. If you do not have too much time and effort to understand, we do not want a closer look at the insurance contract, just a phone easy to get, at the same time insurance premiums for budget psychological expectations, then you can directly select a large company. Currently on the market, well-known car insurance company Ping An, the Pacific, PICC, China, the earth and so on, only one will be able to search the Internet to see.
want to save money, it is necessary a closer look at insurance contracts. Natural large companies peace of mind, but the premium will naturally be higher, so the economy is not prominent. If you want to save money, choose some small and medium sized insurance companies would be more appropriate. However, before you select must be psychologically expectations, as compared to large insurance companies, small and medium sized insurance companies may also be some not enough time to assess the damage problem. In addition, be sure to study the fine related provisions of the insurance project and wrote above.
entry and the amount of insurance needed to see. Insurance entry to see what? First look at the value of the vehicle, except a handcart and used car pricing, non-destructive car and had an accident vehicle pricing will be different. In addition, we must look at the type of insurance to buy, the more common commercial insurance, including car damage, third liability insurance, pilfer, board officers liability insurance, glass breakage insurance, non-deductible insurance and so on. In addition, some of the more curious best insurance measure their actual needs, do not blindly choose. If you choose to buy a full insurance, it must pay attention to what types of insurance, the package does not include additional risks, these are the need to understand clearly in advance and clear in mind.
in the future, car insurance industry will be more self-discipline
, deputy director of the State Council Development Research Center of Financial Research Institute of Insurance Zhu Junsheng said that the future of auto insurance market still need to enter aSteps to promote business fare change, market players need to have more pricing power, thereby helping out a certain profit margin for the insurance companies, the other is to strengthen compliance of, while auto insurance market also needs some ethics to guide market auto insurance sales more rules.
Although the previously mentioned part of the auto insurance industry has been chaos, but that is closer to the consumer side of chaos, in the back, in the insurance within the industry, there is still a lot of competition chaos. The emergence of these chaos with the current extremely competitive market related, but outside of competition is not an excuse for chaos appear, but not a moral law and the law of land. Therefore, for these phenomena, we have released a number of regulatory notice to rectify the auto insurance industry regulations, conventions, notification and penalties.
can be expected, under strong consolidation in mature markets step by step development trend, the future of auto insurance industry will gradually change We have self-discipline, not because of strong sanctions to comply with the rules, but to protect the healthy development of the market, industry and spontaneously follow the rules. Such a change is a good thing for the industry, for us consumers, more self-regulation of the market we can avoid more step on pit more easily address the needs auto insurance.