While on the phone auto insurance current development trend of view, the industry said that in 2010 China’s auto insurance market, has to blow when the phone auto insurance, telephone car insurance market, more and more heat. Promising development in a telephone auto insurance, while the industry also prompted owners - Telephone auto insurance mode to the owners is a new "three no’s" interests: the insured do not go out, low no trouble, and claims Buqiu Ren. In addition to telephone owners concerned about the low price of vehicle insurance in addition to auto insurance should call a more comprehensive understanding, in order to better enjoy the benefits of this new mode of insurance.
A General Insurance Company Tel Juxian Anhui market a responsible person told reporters: "Our local telephone car insurance business certainly very fast, but many owners Zhi Liao value price, it does not Shifenlejie 这个 new insurance scheme. Originally Phone auto insurance is sent home to wait for a single door, but many business owners still own the hall to receive the policy ran. "
When asked why this happens, the responsible official explained: "Today, telephone car insurance because of its low cost, convenient and so well received by the owners of the inherent advantages of the blitz, but there is still some owners of such new direct mode of policy distribution and have concerns about security issues. In fact, the owners, the insurance telephone auto insurance, they can enjoy peace of mind to send a single service at home, not home time and effort. "
Business telephone number of journalists after the consultation found that insurance companies auto insurance: auto insurance phone insurance model, through the use of telephone that "communication media", so that owners can sit at home and completed consulting insurance, quote, fill out insurance policies, credit card payment and the insurance policy distribution, the process in a timely manner to meet the owners "do not want to go out" mentality. This mode really easy effort, but the owner is not the traditional auto insurance telephone car insurance and distinguished, and believe that your home safer.
But now some of the more mature phone auto insurance company, the policy distribution service is a sound and secure. It is understood that the first steps of the peace telephone auto insurance, the current distribution system for the construction of 40 secondary institutions, more than 200 three, four bodies, the size distribution has also been covered in all parts. Rationalization of this growing, large-scale distribution system of policies as a whole, to better allow owners to experience the majority of "leaving home" in the insurance process.
Previously, when the traditional channels of insurance, most of the owners trained to have some "horse trading" skills. The reason, the owner Wang said the auto insurance market price chaos, you do not pick and choose, it is not the most upset to consultation. A few days ago, he was a friend of a mid-range cars for inquiry, the results 4S shops, insurance companies, intermediaries, individual agents are given the price difference from the difference in the range from 200 to 400 yuan.
An industry told reporters the current auto insurance quote more transparent, uniform must be the phone auto insurance. As a result of centralized management, unified sales, telephone direct auto insurance allows owners to "clearly and simply" buy auto insurance.
First, the price of fair and transparent. Phone auto insurance direct sales model, the discount provided directly by the ratio of unity CIRC offer. CIRC provides commercial auto insurance rates can reach up to Qizhe, but the phone auto insurance direct channel basis in Qizhe further 15% discount. This insured vehicle owners should not only enjoy the discount, will no longer appear earlier in the traditional channels of bargaining with the insurance agent trouble.
Secondly, the insurance company directly to avoid the misleading and deceptive by unscrupulous intermediaries, its greatest advantage is that safe and reliable.
Currently, more and more cars, more and more newcomers, happen in real rate of growth is not surprising. However, more and more car owners are committed to the Motor Insurance Claims Service fear. "Buy not lose, do not buy it to go wrong, rushed around to apply for compensation, trouble!" Owners of Mr. Xu’s claims in the face of the numerous provisions, the moment was perplexed.
In order to make owners more arbitrary when dealing with claims matters, not tie him down. At present, the telephone service area of auto insurance, also seek to upgrade human. Upgrade the current telephone car insurance service representative is more safe telephone car insurance "power off large butler" service.
Reporter noted that in each of the insurance policy safe auto insurance phone have a "call off the commuters," business cards, vehicle owners experience problems and troubles can always call the "power off housekeeper" call for help. Electricity sales commuters, including the pick data, claims consulting and many other personal services. In this way, the owner is equal to the settlement of claims with a personal secretary, no longer need to put in some effort and time to deal with many do not understand the claims process.
Many in the industry say, with the telephone car insurance market becomes more mature, and owners enjoy the phone while cheap auto insurance, other services and benefits will also be promoted. The owners themselves should learn more about the benefits of this to the their own, so as to immediately enjoy these rights.

"Now the price of auto insurance more transparent, as long as a check in online, can be found in roughly the price." Engage in auto insurance agent, a Mr. Shen told reporters, now Nanjing Automobile Insurance Market was very intense, 20 points more than car insurance company Nanjing Automobile Insurance Market food. Among them, 23 major auto insurance companies to auto insurance business accounted for about 70%, other insurance companies, ranging from sub-scale of the remaining 30% of the fresh car insurance market.
Shen agents told reporters earlier this year, when competitive auto insurance market, auto insurance discounts, and also beat Wu Zhe Wu Zhe below. Now transparent, and generally, whether big or small companies, the minimum can play Qizhe, then low to do it.
Reporter in a small camp near several auto insurance companies understand that, at present, the Nanjing market various insurance companies offer some of the major risk differences, and additional risks are not the same, but compared with the previous, more and more smaller discount , prices more transparent. Companies be in strict accordance with the requirements of the CIRC, the implementation of vehicle insurance, 7 fold, "bottom" price.
Shrinking profit margins
This reporter learned that, in general, a car insurance commission in the 200-400 yuan, but it is because the rates are more and more people know, so the cost will be a lot of owners required to continue a discount final agency personnel only tens of dollars to stay.
Small business insurance company car insurance agents nearby Majing Li told the reporter, and now more and more transparent pricing auto insurance, the insurance agent for each run, the profit per policy less and less.
Majing Li told reporters, because auto insurance profit margins become smaller and smaller, so many gathered in the auto insurance industry before the agents have switched to other trades. His team has gone more than half of the people.
This reporter learned that, even if the discount auto insurance market has been less and less theory, fewer and fewer auto insurance discount, no doubt increased premium income of insurance companies, but from the front view of a quarter of the loss ratio , auto insurance is still at a loss edge.
Car insurance a threshold
Reporter found that in the actual insurance, Nanjing major insurance companies are set on the private car insurance threshold. Press survey found that almost all insured vehicles, the company has some "special" requirements.
"A lot of special requirements, our agents are not sure." A auto insurance agent sales staff told reporters, "For example, an insurance company for 5 yuan 1,000 yuan deductible vehicle settings, the last there Alto clients to insurance, in a single before the insurance company told her after an accident less than 1,000 yuan and the costs to themselves, we know all about love. "
The agency staff said other companies also have "special" restriction. For example, the insurance company insuring the vehicle models are required: QQ, Geely and other vehicles, some insurance companies ask only for private cars within 2 years, and set the absolute 500 deductible; the carnival, red and other vehicles private car, in a few insurance companies, premiums can only play 9 fold.
It is learned that the insurance company this "special" requirements, from a period of time before the loss ratio calculation. "Insurance company that a certain type of vehicle, he does not want security, will set the deductibles, premiums and other means to improve the ‘Decline’." It is understood that in January this year so far, the staff had come across no less than 20 cases of clients from the "threshold" higher instances of switching to other insurance companies.

Automobile Insurance Claims to "low carbon"

In recent years, with the auto insurance market competition becomes more intense and continuous expansion of the public rights awareness, customer auto insurance claims, particularly the loss of part of the requirements set higher and higher, some even beyond the reasonable range. In the course of the accident damage car fixed, the customer is often only requires replacement of damaged parts, even if you can fix, and after the repair does not affect the performance and longevity, the customer will usually repair recommendations to the insurance company ignored, or even someone with "claims is difficult," crown of. The insurance company customers to maintain and safeguard the image and credibility, have to make compromises, agreed to replace the fixed loss claims. This emergence of such a phenomenon: the "no insurance to repair the repair of vehicles, vehicles with insurance for the change" resulted in the bumper as a small dent and thrown away, too expensive cylinder a small crack and scrapped. Increase in claims costs to insurance companies the same time, resulting in leakage and waste tremendous resources, but also to the adverse environmental impact.
The implementation of "low-carbon claim" tripartite win
View of the existence of Automobile Insurance link resource leakage, the insurance companies promote "low carbon" management should first start from here, in part through the loss claims be "low carbon" concept, implementation of the "low-carbon claim" innovation claims model, taking into account the Fangli Yi, and ultimately customers, insurance companies and social tripartite win. Specific measures, I think mainly the following aspects:
First, strictly enforce the standards for repair.
Will be seriously damaged during the check, "to the repair-based, can be revised without changing the" principle, in the maintenance of quality assurance, technical indicators and the premise of the safety factor, repair parts can be damaged as much as possible in accordance with the repair of nuclear price. Only technically beyond repair, restoration and repair of security does not allow more than the price change the price, etc., to replace the fixed loss. Meanwhile, insurance companies should further clarify the criteria for repair, so the standard is more specific, detailed, with realistic operational and clear scientific basis, and will set the standard in the loss, or even inform the client before undertaking to seek customer’s understanding and support. In addition, insurance companies should strive to improve the professional quality will damage and skills, improve review and oversight mechanisms set loss, damage process on the set performance standards for repair strict supervision and inspection, to ensure the effective execution.
Second, strengthening the "low carbon" concept propaganda.
Insurance companies vehicle insurance claim process to strengthen the "low carbon", "green" concept promotion, so that customers will understand the loss of vehicle maintenance, unnecessary replacement of a component, not only would increase claims cost insurance companies more important thing is a waste of resources throughout society, affecting the survival of the human environment, harm to the customer’s own and future generations. At present, this idea from some extent, has gained, in society, there on the first environmental Zhao strong sense of the people, so from that perspective Shuifukehu, so that idea of Zhi Gaibian the repair, should Nenggoushoudao Jiao good results.
Third, strengthen cooperation and collaboration repair business.
Be damaged in the accident vehicle repair, replacement parts strongly advocated a major reason is the quality of the performance after the repair there is fear, and the insurance company is unable to provide quality assurance. This need to strengthen coordination and writing repair shop, win-win cooperation through the establishment of mechanism for repair works from a technical point of view to convince customers that the feasibility of repair or even replacement of the adverse effects, so that customers understand not change necessarily superior fixed effect, for example, sheet metal car around the side to replace the whole body after the stress and structure will change, thus affecting the overall performance of the body, while the repair would not produce such effects. Repair shop to the identity of a third party, from a technical point of view to persuade the customer receptive, easily convinced, thereby reducing unnecessary disputes. In addition, the use of repair shop to provide customers with the technology after the repair guarantee, you can lift the worries of customers, making it more receptive to rehabilitation.
4, effective control of parts salvage.
Insurance company to strictly implement the standard deduction salvage parts, under the circumstances to determine the old pieces of flexible discounts, discounts on accessories for play to salvage the leverage of repair, for replacement parts are still repairing the old value, in strict accordance with the actual prices charged residues value, to avoid the owners profit, therefore, to some extent, replacement parts against customer enthusiasm. In addition, some insurance companies for recovery of accessories, insurance companies should be established sales channels, to avoid all waste disposal according to the actual value through normal channels into the maintenance market, then it will offset against the claims costs, and avoid wasting resources. But only the old parts will not be deceived into the hands of those lost, as a tool for insurance fraud.

Indecent according to the case has been transferred to the judicial
Yan Feng Jiao issued a statement claiming he was coerced after photographs, some users in the thread in the analysis of the photos that the Yan Feng Jiao coerced take photographs is not valid, and some users think that Yan Feng Jiao deserve our sympathy.
In this regard, Liu Yuan said, YAN Feng Jiao incidents of indecent photo is of Jiangsu TV line to help victims of the mind, to the YAN Feng Jiao support and comfort, and the first time to assist her report, as how the kind of thing in the end , now has nothing to do with the Jiangsu TV.

Advantages and disadvantages of catastrophic insurance plans

One of the biggest advantages in getting a catastrophic medical insurance plan is that it is very affordable. This means that in times of major medical problems, plan holders still need to pay a significant amount of money to cover the medical bills. In addition to this, the fact that this kind of insurance plan only covers major medical problems, young people who develop a condition that requires routine medical check ups cannot get any money from this kind of plan.

When deciding to get health insurance, one of the most important steps in arriving at a decision is to carefully weigh the pros and cons of each type of insurance plan. This is because calculating the risks involved in getting an insurance plan can help people assess whether the insurance plan is a risk worth taking. With regard to getting a catastrophic or major medical insurance plans, this is also very true, as carefully weighing the advantages and the disadvantages of getting one can help people decide on which plan is the best insurance plan for them.

There are dozens of websites that offer quick quotes and/or quote comparison services. Typically, you only need to fill out one form to get dozens of quotes displayed on the website or sent to your email. Obviously, the more forms you fill out, the higher the chance of finding low rates. Remember that some websites are affiliated with a number of insurance providers, so it does make sense to visit several sites rather than just one.

Once you fill out one form, you can save your info in a text document, so that you can reuse it on other sites. It may take you merely a weekend to get hundreds of quotes. The larger the selection, the larger the chance that you’ll find the most affordable quick auto insurance quote.

The first thing you need to know is that car dealerships mark up the inventory price of cars. You may already be aware of this, but did you also know that they can also mark up the rate of the interest if you finance through them?

So what happens is, they will submit your credit application to their preferred lenders. Let’s just say that the lenders approve your credit for a rate of 10%. Then, the car dealers, knowing that you have a bad credit history, will tell you that your application has been approved for 12%. This 2% mark-up will be pure profit for the dealers while they are also getting the full commission on the sale of the vehicle. You are left with no choice if you really need the car and can’t come up with the full purchase price. That’s the cost of having a bad credit.

The first thing that you need to remember is to review your credit history. You should check the annual reports and see if there are any errors or missing information, as this is of vital importance if you are applying for bad credit car loans. Also, it is never too late to change the quality of your credit scores. Credit scores can be improved if you take the necessary steps to clean up your finances and work out a budget before choosing the type of car that you want to have.

You should also know the amount that you can afford to pay for your car. Don’t just look at the monthly payments. Instead, look at the overall selling price of the cars. Viewed in this way, you can pare down the ongoing cost of the vehicle in addition to avoiding high interest rates. Shop around first - check vehicle ratings and reliability, invoice prices, maintenance costs, etc. Then visit several dealers to compare prices and negotiate your best price. This will help you find the best deals around.

Once you’re satisfied with your choice of car and the selling price, it’s time to shop for car loans. There’s no law that says you have to finance through the dealership, so don’t be tempted to sign on with them without first checking independent car financing companies. These companies will have better deals on bad credit car loans and you’ll have the benefit of knowing that you’ll be getting the best price for the car without the need for paying extra fees at the dealership.

Performance, namely efficiency and energy, they are mutually supporting and mutually confirmed, complementary and mutually reinforcing relationships.
First, effective: contains the results and effectiveness. Available "four evaluation", "5 is" to measure. Measure the effectiveness of the "four rating" is: superior leadership assessment, or evaluation; community assessment; serve evaluation; own evaluation, or assessment of the industry. Measure the effectiveness of the "five is" is: Is it close to party committees and governments at the center work; whether based on the original the best of it; whether each of innovations, development; whether the mechanism for smooth operation of the; influence whether the work has improved.
Second, can: include capacity and energy. Available "five abilities", "three forces" to measure. The standard measure of capacity is "five abilities", that is, social interaction, practical skills (written, oral expression, ability to complete basic daily tasks); handling capacity; organization and coordination capacity; advocacy planning capacity; guide service capabilities. Measure the energy of the "three forces" is: drive (seriously, organization and coordination, the degree of support); innovation (new perspectives, new ideas, new action); impact (awareness, recognition, response degrees).
Second, basic
Enhance organizational effectiveness must be based on security. Base: mainly the "three words": Some officers have material support, a financial guarantee.
First, people suggested putting some officers. Literature and Art Association members and affiliated organizations, including associations of officers and his team. And Sheng Wenlian associations will have full-time officers in different cities by the following associations were together part-time staff, an objective power is relatively weak.
Second, the wealth that have financial support. Mainly, the daily Financial fixed allocated funds (dead funds); activities of special funds (included in the budget committees, supported by other means, such as departments); mobilize community participation and support.
Third, the objects that have property protection. Mainly refers to the work necessary equipment and facilities.
In short, not "both the horse to run fast, inadequate resource allocation." In addition, the text associated organs and Literature and Art Society have to play initiative, and actively try to improve their own management, self-run, self-development. More solutions than problems.
Third, the problem
First, the need to address the "four" common problems. Mainly: association activities uneven. Visual Art Association, significantly active; create a gap between the literary and artistic works. Quality produce is difficult, selection difficult; Literature (text type) create significantly weaker; levels of self-management, and operation of the imbalance. Management is weak, innovation is not enough, lack of vitality.
Second, we must address the "four" personality problem. Mainly: the development of the city there is an imbalance throughout the text together. That have not been established, some complacency, and some well-developed; different systems and mechanisms; attention to different degrees. Manifested in, this form of the arts in promoting advanced culture, meet the people’s spiritual and cultural life, functions, meaning lack of knowledge, the role of literary and art circles on how to Fahui lack of knowledge. On how to enhance the vitality of literature and art, attracting artists and play a role in the lack of overall team approach means. Promote the capabilities of the. Organizational capacity, workers of diverse abilities.
Fourth, the development
Arts and to develop, must be in the sense of measures, as the three aspects.
First, to strengthen the positive, healthy, energetic awareness. Consciousness consists mainly of thinking, attitudes in two ways. This is the key to organizational effectiveness can be increased. Mainly refers to ideas, make great efforts to improve the attitude.
Thought, mainly referring to the "four concept." That is life (view on the meaning of life and pursuit); values, or world view (the yardstick to measure people and things, is used to find subjective or objective reasons); utilitarian view of (short-and long-term interests); thinking concept (used to positive thinking or negative thinking).
Attitude, mainly in the "two hearts + 2 power" on. 2: accountability, professionalism (as is the cause or vocational); two forces: discretion, credibility (of the people and events of the judge is objective, fair, moderate, or subjective, one-sided, impulsive) .
Second, strengthening the innovative, effective and incentive measures. Mainly in the planning, platform, system, devote great efforts to protect four.
Planning, mainly refers to activities, advocacy, carriers have to be planned; platform that tangible (website, magazines, newsletters, activity base, display gallery, etc.), intangible (activities, communication, support tools, etc.) platform, require structures; mechanism, the main exchange mechanism with activities to promote engine system, to support rewards, excellent training mechanism, learning and training mechanisms; protection, in addition to the foundation of human, financial security, as well as emotional support (interpersonal communication, good working environment), spiritual Support (spiritual quality, a sense of value of work, meaning there is boost) and so on.
Thirdly, to strengthen the positive, healthy and efficient as. Mainly focusing on the central coordination and integration, good use of resources, make friends, respect the laws of the "five aspects of" relentless efforts.
Around the center, mainly referring to the initiative to approach, a force of advanced culture and the party committee and government of close friends. The key is close to center for resources through the ladder and on. They developed the text, such as sea salt into the travel section of the "style Nanhei Watercolor Painting" series of activities, the National Children’s cartoon contest. Around "two new" (new towns, new communities) to carry out mingling activities; Xiuzhou Federation of Literary and participation in the second Xiuzhou Chinese art festival, organized around the theme of the Independent Commission Against Cultural Independent story, farmer painting, comic book-writing contest.
Coordinate and integrate that hit combination punches, concentrating a superior force, displaying the city image. If Tongxiang Wen Feng Comic Arts Festival was organized to display a variety of art forms, "sub-Kai Cup" Cartoon Contest, cartoon guide to promote effective; Pinghu text book son won the United States to seize the cymbals left the project the opportunity to carry out sub-cymbals Seminar on the book; take the "middle-aged, Zhejiang Province, Lu Weizhao Award Seal Calligraphy Exhibition" held in Jiaxing City, the opportunity to vigorously promote the cause of local calligraphy. The "Red May" Village Poetry Contest; preparation for the Opera in East China City Competition. Chinese seal carving town declared. Man United in the first half sea salt around the tourist section, in the second half to hit "the centuries Leping"; Municipal Federation of Literary and activities of tobacco and more series, the brand, "Spring Silkworms" are registered trademarks of tobacco culture associated logo, launched the "Spring Silkworms" cultural brand, effectively promote enhance the image of the industry. In popular culture, such as photography exhibition organized by the establishment of "Farewell Photography Society" of the City to establish comprehensive tobacco system, "Spring Silkworms Cultural Park" and set up various kinds of "Farewell community activities," a new three-year planning and building of enterprise culture planning, comprehensive cultural journals "Farewell" to release all over the country, held "Thanksgiving" series of essay competition, the collected works, do Speech Contest, held a "25th anniversary of Jiaxing tobacco" painting photography exhibition, and so on, expanding the tobacco industry’s visibility in the community, reputation.
Good use of resources, means to achieve win-win situation. Based on the comprehensive development (settlement imbalance), the development of enhanced features (reflect local characteristics and advantages). Haining text together vigorously, such as cultural celebrities celebration, edited Haining Wencong, Literature and Art Theory Award conduct; Tongxiang Federation of Literary and pay close attention to fine writing (Golden Phoenix Award, five-year term) and the mass popularization and promotion of literature and art (Chrysanthemum Award two years term). Host of several influential national activities and set up several awards, such as "writer Mao Dun," "son Kai Manga Award," "photography Xu Xiaobing Award." Art form to create a city, has received national calligraphy city, the country town of comic title, intended to create the country town of photography. Vigorously promote the celebrity culture, built celebrities Research, Founded "Tongxiang celebrity" to start the historical and cultural famous books edited; Salt Man United set up a comic associations to continue to promote Zhang Leping’s Cartoon culture; Pinghu text together to intensify edited ancient cultural events (have been compiled Volume 3), filming commercials Pinghu nationality folk artists, promote local celebrity culture.
Make friends, that unite the people, enhance the literary and art circles of the organization’s sense of belonging, create "art house."
Mainly reflected in the text associated organizations, broad-minded, open-minded, inclusive, on and find ways to provide help and services. "How much heart, there is more world wide." Less "parochial", more "oblige." Tongxiang text together to create positive conditions for the growth of literary talent, build a platform, do Bole, Rotary launched, get a ride. If two local literary magazine, "Art Quarterly," "comic" 出刊 normal, many associations have their own journal, will be reported as the creator of the published works, especially new build platform for positive recommendation to a higher level of outstanding works publication. Members to the field on the display above the provincial level, positive support; Pinghu Association Federation of Literary and actively explore new ways of team building, organizational backbone of the training, creative mingling. Haiyan text together to create a positive learning organization, set up "weekly lesson," the backbone of the association take turns teaching rising literary and art circles of various types of knowledge in the cultural level and the level of general knowledge. Also positive for the family show, a show, new show, special event will provide a platform to oblige, for the local professional matchmaking exhibitions abroad.
Respect the laws of that radius combination, create tightness there are degrees to promote the sound development of a positive atmosphere. Encourage healthy game, respect for personality development. Mainly to respect the "three Laws": First, respect for the law of literary and artistic creation. Literary and artistic creation need life, emotions and thoughts of support, need ideas and inspiration sparks ignited the outbreak of passion, which is different from academic research. Therefore, we must work hard to provide a relaxed creative arts, friendship, encourage and inspire the people of the creative exchange of environment; Second, the law led to respect the mainstream. Construction of the development of art and literature is an important part of advanced culture, literature and art must be carefully grasp the direction of development, leading the construction of advanced culture, literature and art into the tide, the development of mainstream culture. In the publicity-oriented, planning training, awards criteria, activities carried out, front building, personnel training, support and direction are always aware of the problem areas; Third, respect for the results of application of the law. Focuses on the transformation efforts. Outstanding literary achievement active farmer, can visit the exhibition, publishing, organizing activities, interaction and exchange between literature and art to the masses to enjoy the results; encourage literary achievement into the collection, circulation. Enliven the introduction of market mechanisms activate, the development of cultural industries. Tongxiang text together as established art exhibition center. "Yuan Yuan comic", "Cartoon and guidance," two comic magazine capacity, not only a wide range of education and publicity, and high profits, economic and social benefits to achieve the bumper, but also to run the cartoons Association virtuous.

Trap 1: forced tying insurance. In the current auto insurance types, only the mandatory requirements are the traffic control department of the "third party liability insurance" that owners have to buy, and Che Sunxian and theft insurance are options such as insurance, but some auto trade the market is liability insurance, theft insurance and Che Sunxian tied up as the basic insurance sales.
Trap 2: misleading the owners insurance. Insurance experts say passengers insurance, glass breakage, vehicle insurance losses related to the immediate interests of the owner, the owner can buy, but spontaneous combustion insurance, cargo insurance and operation of the suspended loss insurance, etc., you can not buy. However, some auto insurance agents either do not explain to the owners, or misleading the insured owner to owner with no experience should not buy or can buy do not buy insurance.
Trap 3: induction of over-insurance or duplication of insurance. Some car dealers will induce owners to over-insurance or duplication of insurance in order to earn commissions. In fact, the number of insurance companies pay car back up policies based solely on the actual situation, and will not guarantee much more to lose. In addition, the "Insurance Law" provides double insurance totaling more than the insured value, the insurer the total amount of compensation shall not exceed the insured value. Therefore, more investment and several insurance policyholders will not be super-value compensation.
Trap 4: agents of a single button. Some insurance agents, or leave after the agent pulled the policy, not directly to the insurance company, but waiting in the wings. If the owners do not escape from danger, the premium on their own deductions; if the owner is out of danger, risk their money or Peifu trouble light, a large insurance company is trying hard to deceive, or even just walk away.
Trap 5: Policy real ones. At present, the number of false proxy used by insurance policies and invoices first glance, the same as with the regular insurance companies. Therefore, when consumers get the insurance documents carefully check to see if the document is the third in conjunction with a white carbonless paper printing, and print the security light brown shade, the upper-left corner is marked "China Insurance Regulatory Commission produced "on the upper right is marked" limited in the province (municipalities and autonomous regions) selling "words. If not, should be refused to sign.