Recently, Mr. Pan, a citizen, reported to our column that in order to save money, he bought car insurance through a foreign insurance company, but after the accident, the vehicle claim encountered problems.
In November last year, when Mr. Pan renewed the insurance of his tram, he purchased compulsory traffic insurance, car damage insurance and third-party liability insurance from an insurance company in Hebei through WeChat friends, spending a total of more than 5,500 yuan. After paying the premium and getting the electronic policy, he drove safely for nearly half a year. In February this year, Mr. Pan was involved in a traffic accident while picking up passengers, and the rear of the vehicle was seriously damaged.
Informant Mr. Pan: I was involved in a traffic accident in Bingtang Village on the south bank of the river, and the main responsibility was me, the other party's car was parked on the side of the road, and I accidentally scratched it, and then I contacted the claims adjuster. He called me and asked me to send him all the photos and ask me to fix the car.
Mr. Pan said that when he paid for the car insurance, the salesman asked him to pay twice, once for the compulsory traffic insurance, and the other for the car damage insurance and third-party liability insurance. It wasn't until this accident that I found out that the salesman had divided his car insurance into two companies. Since Mr. Pan was the main responsible for the traffic accident, the other party's accident vehicle had already completed the compensation through the insurance company to which the compulsory traffic insurance belonged. For their own vehicles, they need to make claims through the company of car damage insurance, Guosheng Automobile Service (Hebei) Co., Ltd.
Informant Mr. Pan: He said on the phone, you can contact me for car repairs, but now he has been ignoring me. The car was not repaired either.
The reporter contacted the salesman who handled car insurance for Mr. Pan, and the other party said that he belonged to the salesman of a third-party insurance agency, and Mr. Pan purchased car insurance for a total price of more than 5,500 yuan, of which the policy quotation of Guosheng Automobile Service (Hebei) Co., Ltd., the company that purchased car damage insurance and third-party liability insurance, was significantly lower than the market price of more than 1,000 yuan, but he did not expect to encounter a situation where he could not make a claim.
Insurance salesman Mr. Yang: The premium is about 40% to 50% cheaper, I used to act as an agent for Guosheng, and now there is no agent, and he has a problem with the claim later, so I didn't take it.
Reporter: Have you tried to contact the company, what does the company say?
Insurance salesman Mr. Yang: I didn't answer the phone, I couldn't get in touch.
The reporter reported the situation to the official customer service of Guosheng Automobile Service (Hebei) Co., Ltd., and after the other party recorded the situation, he said that there would be a claims specialist to follow up. The next day, the reporter received a reply from the company's customer service that the claim had been completed and the damage amount of Mr. Pan's vehicle was transferred to the customer's account of 1,600 yuan. Before going public, the reporter verified the situation with Mr. Pan and learned that the vehicle had successfully completed the compensation.