#看见人间百态#
At the beginning of January every year, there are always unfamiliar phone numbers that disturb my sweet dreams from time to time, because these numbers are marked as spam calls, and the numbers are very unfamiliar to me, I instinctively refuse to answer when the phone rings in the sky. But at 8:50 a.m. this morning, when I saw a very unfamiliar phone number suddenly appear in front of my eyes, even though it was labeled as a harassing call, I did not instinctively refuse to answer it, but answered the very unfamiliar call.
Of course, I had a reason to answer this harassing call. Last night, I dragged my tired body back home, just sat down in front of the computer, and was about to log in to my game account to play the game, when suddenly a dialog box popped up in WeChat, and a staff member surnamed Lu from a certain car insurance company sent a message, "Mr. Long, I will call you later, and report to you tomorrow's group purchase plan, and there will be a subsidized fee for tomorrow's group purchase."
There is still a month before the expiration of car insurance, and the guy surnamed Lu couldn't wait to send a message in WeChat as early as the afternoon of January 5, "Mr. Long, hello, I am the account manager of car insurance renewal of XX, and on the 10th, there is an exclusive group purchase festival arrangement for high-quality customers, and you will be invited to enter the activity group when you get a quota, and the car insurance group purchase fee will contact you later", and then sent a QR code for me to scan the code to join the group. Because I didn't receive the corresponding shopping coupon after scanning the code to join the group when I bought car insurance in January last year, this afternoon, the staff surnamed Lu urged me to scan the code to join the group several times in a row, and I ignored it.
Last year, I also bought car insurance from a certain company through this staff member surnamed Lu in mid-January, and before that, I bought car insurance from a beautiful girlfriend surnamed Li. A few years ago, my wife who was in a panic was obsessed with climbing a mountain last weekend, and met this beautiful girlfriend surnamed Li who was engaged in car insurance sales in a certain insurance company in the climbing group. My wife thinks that this beautiful girlfriend surnamed Li is upright and generous, so when I need to buy car insurance for the new year in January every year, I buy car insurance through this beautiful girlfriend I have met once.
Relying on my skillful driving skills, every time I buy car insurance, in addition to the compulsory traffic insurance and the vehicle and vessel tax paid, I only buy third-party liability insurance and driving insurance, in my impression, every year from the beautiful girlfriend surnamed Li to buy car insurance, plus compulsory traffic insurance and vehicle and vessel tax, after returning to the point, it is about 1600 yuan. After buying car insurance from my girlfriend surnamed Li for the first time, she became curious about me and personally sent me the electronic policy and invoice of the car insurance, with the purpose of seeing my ugly appearance.
Two years ago, for some reason, a beautiful girlfriend surnamed Li left a certain car insurance company, and now she is setting up a stall at the gate of a certain community, selling tofu brains and cold noodles or something. Alas, life is not easy, I heard that she is the area manager of a certain car insurance company, and she works tirelessly every day, but in the end, I don't know if it is because of her age or because she has not been able to develop more new customers, she actually left the company where she has worked for nearly 20 years.
Just because this beautiful girlfriend surnamed Li did not work in a car insurance company, when it was time to buy car insurance for the new year in January last year, a staff member surnamed Lu from the same car insurance company took the initiative to contact me, not only giving me an offer, but also letting me enter a WeChat group for group buying. In my opinion, because I have not been involved in a traffic accident every year, and I have not been in an accident, the premium of car insurance should be lower and lower, but in fact, the premium will only increase, not decrease.
Last year, the staff surnamed Lu also only bought compulsory traffic insurance, vehicle and vessel tax, 2 million yuan of third-party liability insurance and driving insurance, but the quotation to me was more than 1,900 yuan, although I returned more than 100 yuan and gave a 100 yuan shopping coupon, but the actual fee paid was 1,700 yuan, which was 100 yuan more than the previous premium for the same type of insurance. I naively thought that the 100 yuan shopping coupon might be a pick-up card from a supermarket that would be mailed to me, but I waited for a year and still didn't see it. So, when the staff member surnamed Lu invited me to join the group buying WeChat group again, I refused to join.
Last night, after seeing the information about buying car insurance sent by the staff surnamed Lu again in WeChat, because I couldn't find other channels to buy car insurance, I had to reply to the message head-on, and clearly told the staff surnamed Lu that this year I only bought 2 million yuan of three-party insurance, non-medical liability insurance and driving insurance, and asked the staff to give a quote. It was the first time I took the initiative to buy liability insurance, starting from October 2013 when I had the first car in my life, and I bought car insurance for ten years, but I never knew that there was a type of insurance called insurance outside medical insurance.
I heard that the staff of the car insurance company never took the initiative to recommend this type of insurance, its price is not high, more than 20 yuan, but if a traffic accident needs to be compensated by third-party liability insurance, the pedestrian who was hit, all the treatment in the hospital, regardless of whether it is a medical insurance drug, can be compensated with medical insurance liability insurance, otherwise, the insurer has to pay a large amount of medical expenses for the injured out of his own pocket. Thinking that the insurance cost of more than 20 yuan is not much, when I bought car insurance for my car this time, I couldn't help but offer to buy liability insurance outside of medical insurance.
Car damage insurance should have been purchased, but the cost is very likely to be thousands of dollars, and even if there is no thousand, it will be seven or eight hundred dollars. What's more, I relied on my skillful driving skills to have not encountered any traffic accidents for eight or nine consecutive years, and when I bought car insurance for my car, I decisively gave up car damage insurance. There is a colleague named Li Dapang in the unit, I don't know if it is because of poor driving skills or because the stomach is too big to affect safe driving, he has several traffic accidents every year, even if the insurance premium rises every year, but the major car insurance companies are still unwilling to insure him.
I am a high-quality customer of major auto insurance companies, although I have not purchased car damage insurance, but the cost of nearly 1,000 yuan of commercial insurance paid every year is pure income for car insurance companies. And today, although I don't want to do it in my heart, in order to travel safely, and at the same time, it is also mandatory, I have to buy a new year's car insurance for my car at a car insurance company.