It is possible for a repair shop to sell your interests without your knowledge

Original Author: Yong say car insurance / yongchezhizhu 2019

Yesterday, we just published the article "Revisiting the Controversy over the Repair of Headlights", and today, we received another inquiry from a car owner about the repair of headlights. This shows that the content of our previous predictions is very likely to be a fact, and combined with our recent contacts with insurance company personnel, it is basically certain that insurance companies have become more stringent in terms of policy and top-down claim rules. But today, what we are discussing is not the problem of headlight repair, but the problem of damage to the rights and interests of the owner under the exchange of interests between the repair shop and the insurance company, this problem is also a strange phenomenon of the owner today, so that the editor suddenly thought of it, hoping to give the majority of car owners some reference and understanding, at the same time, try to avoid their rights and interests in the case of unknowing damage.

After the owner of the traffic accident, most of the owners will not personally participate in the loss and vehicle maintenance process, some will be entrusted to the repair shop with legal procedures, and some have no procedures. Here, it is important to note that if the repair shop and the owner sign a vehicle loss determination and maintenance commission agreement, then, that is, all the processes and decisions are decided and executed by the repair shop, which gives the repair shop some of the rights and interests of the owner of the car "reasonably" sold without informing the owner, and this is reasonable and legal, because the owner has indeed agreed to entrust the repair shop with full authority. The following example made the editor suddenly think of this problem. In practice, some insurance companies and repair shops do have such a situation, that is, without the knowledge or inducement of the owner, they do things that are detrimental to the actual interests of the owner. In the following case, the 4S shop actually persuaded the owner to repair the headlights that had broken 2 light feet, and the lamp shell had been broken, which was a very abnormal thing, and there was definitely a relationship of interest or other reasons. Because, under normal circumstances, the headlights with such a degree of loss, according to the official requirements of the 4S shop, or the requirements of the maintenance manual, or the maintenance process and so on, need to be replaced, but the 4S shop personnel persuade the owner to repair the ??!! There are several possible reasons for this: 1, the insurance company privately compensates the 4s store money, this money may exceed the profit of the 4s, for example, a headlamp 28,000 yuan, 4s store accessories price profit is generally 30-40% (the insurance company fixed loss and discount), that is, for the headlight, the profit of the 4s store is about 10,000, but if the insurance company compensates the 4s store 12,000, then if you are a 4s store, how will you choose? (Of course, not all 4s stores will choose to accept compensation from insurance companies, but according to normal replacement) Similar situations, we have experienced a lot, although the overall number of such cases is not much. 2, the repair shop may be for the output value, or profit, the accessories for the expansion of loss treatment, this situation, there is currently a growing trend, at least more than half of the domestic repair shops, or even more than 70% of the repair shops have such a phenomenon. In this case, if the expansion behavior of the 4s store is discovered by the insurance company, then it is reasonable for the 4s shop staff to persuade the owner to repair the headlights. 3, may be the insurance company personnel and 4s shop after-sales staff relationship is very good, the insurance company put forward requirements, 4s shop staff agreed, anyway headlight repair or replacement, and 4s shop personnel personal interests are not related, by the way to do personal feelings? 4, 4s shop staff lack of experience, do not have their own opinions, by the insurance company people persuaded .... Anyway, there are many possibilities, but one thing can be confirmed, this thing is not normal, there is cat grease!

Summary suggestion: The owner of the car as far as possible to participate in the accident vehicle loss and maintenance process, although the proportion of such infringement incidents is not very large, but once it occurs, it is 100% of the proportion. In practice, considering that most car owners are not professional, you can clearly ask the repair shop about the loss of important parts or high-value parts, for more than 10,000 yuan of parts, try to ask whether to repair or change, if it is repaired, what is the reason and reason for repair? Finally, when the owner signs the right to entrust, it is strongly recommended to mark at the end, the final decision is owned by the owner, and the owner has the right not to recognize the unreasonable content, so that, legally, it is possible to prevent the repair shop from arbitrarily exercising the owner's entrustment right.

Courage to say car insurance: only say insurance, do not sell insurance, answer questions, and serve the public. Stay tuned and consulted!