Motor vehicle safety coordination is not that insurance citizens must be vigilant and be alert to beware of being deceived

On August 29, the China Insurance Industry Association issued a risk tip on the safety coordination of motor vehicles: "Motor vehicle safety coordination is not insurance." Risk prevention awareness and reduce hidden dangers of disputes.

The China Insurance Industry Association reminds consumers that the safety coordinating business of motor vehicles is not an insurance business. The institutions that operate such businesses have not obtained the insurance business license in accordance with the law. It is not an insurance company established in accordance with the law. Object. The business model of some security overall companies in the society is not sustainable, and the relevant commitments and the safety of funds are difficult to ensure effective guarantee. In particular, when major crises such as revoking and bankruptcy of such companies can only be in accordance with laws and regulations such as the "Company Law of the People's Republic of China" Responsibility may bring losses to consumers and contain greater risks.

Motor vehicle safety overall business operators are named "XX coordinating", "XX mutual assistance" and "XX alliance". The safety overall business contract signed by the majority of car owners is not an insurance contract, and the Insurance Law of the People's Republic of China is not applicable. Traffic accidents occur after consumer purchase of motor vehicles. Generally, compensation is generally compensated in accordance with the contract, and disputes can only be resolved through litigation once disputes occur. Judging from the current judicial case of motor vehicle safety overall planning, the court cannot apply the provisions of the "Insurance Law of the People's Republic of China" when quoting legal rulings, and the legal rights of consumers cannot be fully protected.

The reporter learned that the original intention of motor vehicle safety coordination was to encourage transportation companies to adopt traffic safety coordination and other forms to strengthen industry assistance and improve corporate anti -risk capabilities. However, when some companies sell their products, their business processes and issues issued are highly consistent with the commercial insurance policy. They do not clearly inform the owners of the nature of coordinating mutual assistance, and even blur the difference between vehicles and insurance. Many car owners do not know the two at all. The difference was not that the purchase was not the insurance product until the accident could not be claimed.

In this regard, in order to ensure the full guarantee of consumers' rights and interests, the majority of car owners should comprehensively and objectively understand the risk of safety and overall purchase of motor vehicles. If there is insurance demand, you can insure motor vehicle traffic insurance and commercial insurance to insurance institutions with legal business qualifications.

Reporter Jiang Yangyang

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