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成都发布消费警示:真假车险须明辨,认清本质是关键

2025-07-09   中国质(zhi)量万里行   文/张(zhang)东(dong)   点击:

  近期有(you)消费者反映(ying),有(you)自称“保险公(gong)(gong)司(si)”的(de)工作人员(yuan)向其(qi)推销所谓汽(qi)车(che)“统(tong)筹险”。消费者受(shou)其(qi)误导(dao),以(yi)为(wei)购(gou)买的(de)是(shi)“汽(qi)车(che)商业(ye)保险”。认购(gou)后才发(fa)现所购(gou)“统(tong)筹险”不是(shi)汽(qi)车(che)商业(ye)保险,实(shi)为(wei)“汽(qi)车(che)统(tong)筹服(fu)务”;该(gai)类公(gong)(gong)司(si)也没有(you)正规保险业(ye)务经营资(zi)质,实(shi)为(wei)汽(qi)车(che)服(fu)务公(gong)(gong)司(si)或信息技术公(gong)(gong)司(si)。消费者发(fa)现被骗要求退款,往(wang)往(wang)被拒绝、拖延(yan)或被要求扣除高(gao)额手续费。

  为(wei)防止(zhi)更多消费者(zhe)受骗(pian)上当,近日,成都市保护消费者(zhe)权益委员会、四川省保险(xian)行业协会联合(he)发(fa)布消费警示(shi),提醒广大(da)消费者(zhe)提高警惕(ti)意识(shi)和(he)辨别能力,识(shi)破“假保险(xian)”真面目(mu),正(zheng)确投保。

  认清本质,辨别真伪

  车(che)辆统筹公(gong)(gong)司(si)不是保(bao)(bao)险(xian)(xian)公(gong)(gong)司(si),我国保(bao)(bao)险(xian)(xian)法(fa)(fa)第六十七条规定(ding),设立保(bao)(bao)险(xian)(xian)公(gong)(gong)司(si)应(ying)当经(jing)国务(wu)院保(bao)(bao)险(xian)(xian)监督(du)管(guan)(guan)理(li)机(ji)构(gou)批准。而销售车(che)辆统筹业(ye)务(wu)的(de)汽车(che)服务(wu)类公(gong)(gong)司(si)注册时无需保(bao)(bao)险(xian)(xian)监督(du)管(guan)(guan)理(li)机(ji)构(gou)批准,未依(yi)法(fa)(fa)取得保(bao)(bao)险(xian)(xian)业(ye)务(wu)经(jing)营(ying)许可,缺乏专业(ye)监管(guan)(guan),其风险(xian)(xian)补偿能(neng)力及资(zi)金安全(quan)性相对较低。此类公(gong)(gong)司(si)出现资(zi)金链断裂(lie)、撤(che)销破产等重大危机(ji)时,可能(neng)给消费(fei)者(zhe)带来损(sun)失,蕴含(han)较大风险(xian)(xian)。正规车(che)险(xian)(xian)由持(chi)牌保(bao)(bao)险(xian)(xian)公(gong)(gong)司(si)承保(bao)(bao),受(shou)保(bao)(bao)险(xian)(xian)法(fa)(fa)及国家金融监督(du)管(guan)(guan)理(li)总(zong)局严格(ge)监管(guan)(guan),理(li)赔(pei)有(you)法(fa)(fa)定(ding)保(bao)(bao)障(zhang)。

  统筹合同,纠纷难调

  “车(che)(che)(che)(che)辆(liang)(liang)(liang)统(tong)(tong)筹(chou)”“车(che)(che)(che)(che)辆(liang)(liang)(liang)互助”合同其本质为运输企业(ye)间风险(xian)(xian)(xian)分摊(tan)合同,不(bu)受(shou)保(bao)(bao)险(xian)(xian)(xian)法(fa)(fa)保(bao)(bao)护。从(cong)目前关(guan)于安(an)全统(tong)(tong)筹(chou)的(de)司(si)(si)法(fa)(fa)判例来(lai)看,法(fa)(fa)院在援引(yin)法(fa)(fa)律裁(cai)决时(shi),不(bu)能(neng)适用保(bao)(bao)险(xian)(xian)(xian)法(fa)(fa)的(de)规定解(jie)决相关(guan)赔(pei)偿(chang)纠纷。车(che)(che)(che)(che)辆(liang)(liang)(liang)统(tong)(tong)筹(chou)缴费容易赔(pei)付难,并非正(zheng)规保(bao)(bao)险(xian)(xian)(xian)业(ye)务。车(che)(che)(che)(che)辆(liang)(liang)(liang)统(tong)(tong)筹(chou)公(gong)(gong)司(si)(si)不(bu)具备(bei)保(bao)(bao)险(xian)(xian)(xian)公(gong)(gong)司(si)(si)的(de)专业(ye)服务能(neng)力(li)、理赔(pei)能(neng)力(li)与重大案(an)件赔(pei)付能(neng)力(li)。一旦出现重大案(an)件,车(che)(che)(che)(che)辆(liang)(liang)(liang)统(tong)(tong)筹(chou)公(gong)(gong)司(si)(si)极易出现资金链断裂,“跑路”等(deng)现象,车(che)(che)(che)(che)主可能(neng)面(mian)临无(wu)法(fa)(fa)获(huo)得赔(pei)偿(chang)或者无(wu)法(fa)(fa)获(huo)得足额赔(pei)偿(chang)的(de)风险(xian)(xian)(xian)。另外,车(che)(che)(che)(che)辆(liang)(liang)(liang)统(tong)(tong)筹(chou)不(bu)能(neng)替代车(che)(che)(che)(che)辆(liang)(liang)(liang)保(bao)(bao)险(xian)(xian)(xian),未在保(bao)(bao)险(xian)(xian)(xian)公(gong)(gong)司(si)(si)购买(mai)保(bao)(bao)险(xian)(xian)(xian)而购买(mai)“车(che)(che)(che)(che)辆(liang)(liang)(liang)统(tong)(tong)筹(chou)”的(de)机动车(che)(che)(che)(che)辆(liang)(liang)(liang),以后再向保(bao)(bao)险(xian)(xian)(xian)公(gong)(gong)司(si)(si)投(tou)保(bao)(bao)商业(ye)车(che)(che)(che)(che)险(xian)(xian)(xian)时(shi),无(wu)法(fa)(fa)享受(shou)连续投(tou)保(bao)(bao)及无(wu)赔(pei)款优惠。

  核验“身份”,防范诱导

  消(xiao)费者在购买车(che)险时,首(shou)先须确(que)认销售机构是否(fou)具备(bei)保(bao)(bao)(bao)(bao)(bao)险业(ye)务经营(ying)许可(ke)证,警惕“XX汽车(che)服务公(gong)司(si)”“XX统筹(chou)互助平台”等(deng)非(fei)保(bao)(bao)(bao)(bao)(bao)险机构的(de)诱导(dao)宣(xuan)传(chuan)。其次要仔细(xi)查看合同,勿轻信口头承诺(nuo)。合同中若(ruo)出现“安全统筹(chou)”“责任互助”等(deng)非(fei)保(bao)(bao)(bao)(bao)(bao)险术语(yu),应立即(ji)警惕。正规(gui)保(bao)(bao)(bao)(bao)(bao)单需注(zhu)明保(bao)(bao)(bao)(bao)(bao)险公(gong)司(si)名称、备(bei)案(an)条款及监管投(tou)(tou)诉电(dian)话。消(xiao)费者可(ke)通(tong)过(guo)四(si)川省(sheng)保(bao)(bao)(bao)(bao)(bao)险行(xing)业(ye)协会(hui)官网和公(gong)众(zhong)号查询四(si)川省(sheng)内(nei)合法保(bao)(bao)(bao)(bao)(bao)险公(gong)司(si)目(mu)录(lu)清(qing)单,同时可(ke)通(tong)过(guo)四(si)川省(sheng)保(bao)(bao)(bao)(bao)(bao)险行(xing)业(ye)协会(hui)公(gong)众(zhong)号和“金(jin)事通(tong)”APP查询名下合法有效的(de)车(che)险保(bao)(bao)(bao)(bao)(bao)单信息,核验是否(fou)由具备(bei)合法资(zi)质(zhi)的(de)保(bao)(bao)(bao)(bao)(bao)险公(gong)司(si)承保(bao)(bao)(bao)(bao)(bao),也可(ke)向(xiang)保(bao)(bao)(bao)(bao)(bao)险公(gong)司(si)官方(fang)客户服务热线进(jin)(jin)行(xing)咨(zi)询确(que)认,防止买到虚假车(che)险。如(ru)果是新(xin)能源车(che)辆,可(ke)通(tong)过(guo)“车(che)险好投(tou)(tou)保(bao)(bao)(bao)(bao)(bao)”公(gong)众(zhong)号及网站进(jin)(jin)行(xing)投(tou)(tou)保(bao)(bao)(bao)(bao)(bao)。

  留存证据,及时维权

  消费者若误(wu)购“假(jia)保(bao)险(xian)”,应及时联系统筹(chou)公司要求解(jie)除合同(tong)并退(tui)款,同(tong)时尽快补购正规车(che)险(xian)。应注意妥善保(bao)存(cun)宣传(chuan)资料(liao)、合同(tong)、付款凭证等消费凭据,若协(xie)商(shang)退(tui)款不成,及时拨打12345、12378、12315等热(re)线电(dian)话投诉举报(bao),对(dui)涉(she)嫌诈(zha)骗的,可向公安机关报(bao)案。

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