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In a pleasant atmosphere, citizens spoke freely, exchanging their experiences in purchasing auto insurance and talking about their feelings during the claim settlement process. Citizens' evaluations and opinions on the image and claims services of various property and casualty insurance companies have been recorded in the writings of our reporters in professional investigation forums.

The ***Xing Financial Investment Market ***Protection of Financial Consumer Rights Finance was jointly launched by Chengdu Daily and the Sichuan Banking Association, Sichuan Insurance Association, and Sichuan Securities and Futures Association. Among the industry theme activities, the "2012 Insurance Industry Service Survey" introduced the auto insurance symposium survey phase of third-party organizations that ended last week. Four consecutive symposiums collected citizens' evaluations of auto insurance brands, auto insurance services, etc. Citizens are confused: Should they purchase insurance at a 4S store to get full compensation? At the second survey symposium, when car owners were asked how to choose an insurance company, in addition to the three basic factors of brand, price, and claims services, insurance companies and car repair and maintenance Whether the relationship with 4S stores is good or not has become an important reference standard for citizens to choose insurance brands. Even for the same brand of insurance, there is a big difference between buying it at a 4S store and buying it over the phone. The car owner, Mr. Yu, told reporters that his friend and he both had the same model of Accord and purchased the same brand of insurance. Both sides of the car were hit by car accidents. However, because the insurance channels were different, the compensation results they received were: Big difference. Mr. Yu said: My friend's car was insured by an electronic salesman. After it was scratched, the people from the insurance department of the 4S store said that he had scratches on both sides and the rear bumper. It was no problem to apply for insurance, but he would definitely not be able to cover it all. It costs more than two thousand. My car was insured at a 4S store, and the 4S store was solely responsible for repairs and claims settlement. When an investigator from a third-party investigation company asked, if there was an accident and I needed to make a claim, should I call the insurance company or the 4S store? Half of the citizens at the survey forum said that they should first ask the repair shop (or 4S shop). Everyone said that after an accident, they first ask the maintenance agency, and only then apply for insurance when they have a good idea. The reason for this situation is that citizens believe that insurance companies pay too much attention to the sales relationship with 4S stores and ignore the service quality of the insurance brand itself. As a result, consumers do not consider the insurance brand itself or the insurance company's services when choosing car insurance. , instead consider a repair organization that works with an insurance company. After the accident, car owners who did not buy insurance from 4S stores were more or less in trouble. As a result, insurance companies also became passive, which was not a good thing for consumers and insurance institutions. Citizen Mr. Yu expressed his opinion. Information asymmetry: causing citizens to ignore the purchase of small insurances. During this survey symposium, citizens also concentrated on some doubts about the purchase of small insurances. In fact, insurance is still something we have little understanding of. Whether it is an insurance salesperson or the insurance department of a 4S store, they will usually tell you which major insurance types to buy and some minor insurance types that car owners can buy or not. Car owner Mr. Yu said that car insurance is very detailed, such as the rearview mirror. This insurance only costs about two yuan. If you want to replace the original rearview mirror, it will cost hundreds or thousands of yuan. If you don't buy it, you will have to pay for it if you get hit. Take responsibility for yourself. Citizen Mr. Zheng expressed the same view on this. He spent several nights to make a detailed insurance comparison form and studied many terms involved in car insurance in detail. Nowadays, the types of car insurance are clearly divided. For example, glass insurance is like this. If a single broken glass has no damage in other places, it will be deemed as glass insurance. If you purchase this insurance, the car owner will be compensated. But if you have damage to other parts besides the glass, it falls under the category of car damage insurance. Citizen Mr. Zheng said that current car owners have a very incomplete understanding of insurance and are in a situation of information asymmetry. Insurance personnel should introduce insurance types to citizens in more detail, such as under what circumstances and what risks, and explain them with examples, so as to avoid consumers from negligent purchase of some small insurance types when purchasing insurance, causing unnecessary economic losses.