The adjustment number of times will fall the insurance credit resident to question “overlord provision” (figure)
The adjustment number of times will fall the insurance credit resident to question overlord provision [the Kunming inforport release: 2009-12-1808:54:05 enters the community to originate: Kunming inforport]
The vehicle owners questioned in the automobile insurance the overlord provision. Reporter Li Zhenyu/absorbs
???? Looks like in many people, I have made the ` renowned reporter’, regardless of the level and courage and wisdom sweep away all obstacles, so long as very many matters I am willing to act, certainly hopefully will change. Actually this is one kind of misunderstanding.On 16th 23:13, senior reporter Yin Hongwei chatted to after-crop the placard in the Kunming inforport color dragon forum network saying that he fell into the trap which a property insurance company has established unable to be independent.
???? The insurance contract does not have this stipulation
???? Yin Hongwei said in the card that at the end of 2008, he has bought a compact car, in ××× insured Kunming Subsidiary company under the staff warm reception to guarantee the fully comprehensive insurance. Because the technology and luck are bad, his vehicle has scraped several times in the crowded Kunming city. Certainly, most time is a small trace, because pursue perfectly, finds the time, to look for the opportunity to go to the special repair shop repair of this insurance company each time like new, like this tossed about 6 times.
???? Because couple days ago, insured quick due, he renewed on own initiative. But initially went through the formalities the staff actually accident to inform to him, because his vehicle adjustment surpasses 3 times (does not count amount many, only counts number of times), therefore no longer insures for him. If must guarantee, that insurance premium must surface the boat 10% . Moreover the later below 500 Yuan losses do not compensate. Handles same day which in him renews, in the hall has two vehicle owner’s situations and his similarity, because the adjustment surpasses 3 times, must enhance 10% insurance premiums to renew.
???? Insurance company, if informs my adjustment over 3 time to increase the next year insurance premium, bumps into slightly scratches to hang me nimbly to process, not necessarily must write off the adjustment.Yin Hongwei said that to repairs from insurance each time, this insurance company’s staff have not informed has over 3 adjustments the stipulation. He looked up the insurance contract, does not have this kind of stipulation.
???? The stochastic interview’s 5 vehicle owners, said that has not obtained the reminder
???? Yesterday afternoon, the reporter interviewed 5 vehicle owners stochastically, when calls the purchase insurance did not know that the adjustment number of times will affect the second year insurance premium specified amount. Was arrives at the 4S shop to repair each time, fixes has called me.This year bought vehicle’s Mr. Song saying that he had left 3 car insurance, but had not known whether now next year when the adjustment number of times will affect will renew the expense, staff in the insurance company and repair store have not reminded him.
???? When repairs a vehicle, the skilled worker in repair shop has said to me, requests repairs the number of times to save the spot to use.Opened 2 years vehicle’s Mr. Li saying that just when purchased the car insurance, the clerk has not informed, but once obtained the reminder when the first adjustment.
???? The insurance company said that has not explained duty
???? Has this kind of situation, is the vehicle owner are too mainly few to the insurance knowledge understanding, even has an erroneous zone, thinks, so long as purchased the insurance should be responsible for by the insurance company.Yesterday morning, Yin Hongwei said to the vehicle insurance’s insurance company related person in charge that the insurance company adjustment 100 Yuan accidents and adjustment 10,000 Yuan accidents, the procedure is the same, therefore, after the vehicle owner purchases the insurance, sues for damages from the insurance company repeatedly, increased the operating expense imperceptibly, the company correspondingly also enhanced the risk index of policy holder, naturally must raise the insurance premium proportion in the next year.
???? Clerk is only responsible for explain that the legal provision stipulation’s content, does not have the stipulation provision, we do not have the explanation duty.Regarding whether selling the insurance must to the vehicle owner explain the adjustment car insurance’s number of times will reduce vehicle owner’s safe credit, this person in charge said that in the ordinary circumstances, the clerk will inform its consequence. But now many insurance business from repair shop, car dealer and insurance agent, the jobholders quality are irregular, unavoidably also has does not inform vehicle owner’s situation.
???? Clerk Mr. Zou introduced that this is guild regulations
???? Some insurance company adjustments achieve 3 times, the second year must pay the insurance premium. Some stipulations are 6 times. This is the entire profession phenomenon, which insurance company’s independent behavior is not.Once has taken office in many insurance companies Mr. Zou said that at present in Yunnan, no matter is any insurance, so long as the adjustment number of times goes beyond stipulation of the insurance company, on the meeting at the blacklist, the second year insurance premium proportion will enhance 10%, some also supplement the punitive stipulation, for instance Yin Hongwei mentioned below 500 Yuan do not give the payment. On the contrary, did not have adjustment vehicle owner, when renews will enjoy the discount preferential benefit.
???? Insurance company is not welfare activity, needs to dodge the risk as the enterprise.Mr. Zou said that repeatedly will sue for damages the customer with one year customer differential treatment of accident free, gathers the double standards the insurance premium, actually embodies the equity principle.
???? Regarding this, Yunnan Insurance Regulatory Bureau’s staff said that the insurance company takes the enterprise, besides handing over the strong danger, has the declinature and independent adjustment insurance premium proportion right according to the special details.
???? Yin Hongwei said that insurance company does not have the fulfillment to inform the duty
???? Insurance company to reduce indemnity cost, has internal stipulated that I did not oppose. But it cannot deceive, concealment, especially in I have the adjustment behavior. This is irresponsible to the customer extreme. Insurance company’s primary responsibility has not fulfilled informs the duty, reduced my safe credit.Yin Hongwei said that now all insurance companies already networking, even if changes other insurance companies also to bump into the similar bitter experience. Because the insurance company does not have the fulfillment to inform duty and reduces the vehicle owner to insure the prestige to have the direct link, this no longer is his personal interest, but is the general vehicle owner’s public interest, he has contacted with the attorney, in the near future will prepare to sue this insurance company, will ask for a view for everybody. (Metropolis Times reporter Li Jiajian)
(Origin: The Kunming inforport) (this article originates: Kunming inforport) 
