Super Car Sales System

Chapter 376 Refusal of insurance
Chapter 396: Refusal of insurance (add more for readers' pain in heart)
The 200 million insurance of Octavia Travel can still be used. The guilty Xu Hong finally felt better, and said to the two of them in embarrassment: "I have never paid attention to the insurance, and I thought it could only be used once, or once a year. It adds up to 200 million."

"Each time is calculated separately." Fang Yuan warned Xu Hong, "Even if you can use the full amount repeatedly, you will buy a car with insurance in the future, so don't be careless when driving with the high insurance amount."

"Yes, the insurance company is not a fool. Don't think you got a big deal." Sun Yanming glanced at the bustling crowd beside him. He was waiting for them anyway, so he explained to Xu Hong, "If you don't have an insurance policy once a year, the next The premium for one year will be discounted, but take us this time as an example, assuming we lose a full 200 ​​million, Octavia Travel’s premium for the next year will not increase by a penny, but don’t even think about the discount, which is equivalent to In a disguised form, the insurance premium has been raised."

"So that's how it is." Xu Hong nodded heavily, and suddenly thought of a question, "If I take out the insurance ten times or eight times a year, but the amount is not high each time, it will not reach 200 million for so many times. The sum insured, will the insurance company increase my premium next year?"

"Even if it doesn't reach the insurance amount, it doesn't need to be repeated more times. As long as there is a second time, it will increase 100%." ​​Fang Yuan told Xu Hong that whether the insurance premium will increase in the next year is based on the number of accidents and the compensation. The amount is considered comprehensively.

Just like what Sun Yanming said just now, once a year, regardless of whether the 200 million insured amount is used up or not, the next year's premium will not be discounted, and the premium will not increase.

But as long as there is a second time, even if the amount is small each time, the premium will increase.

Fang Yuan gave Xu Hong a general estimate of the cost of the increase. Generally, the next year's insurance premium will increase by 25% for two insurance policies, 50% for three insurance policies, and 75% for four insurance policies... It is almost this approximate range.

Fang Yuan emphasized that there are too many insurance applications, and another problem is that the insurance company will refuse the insurance in the next year.

"Refused insurance?" Xu Hong smiled embarrassedly, but he could understand the intention of the insurance company: This car owner has issued so many insurances a year, so he must be a good driver. God knows if he will hit a car worth tens of millions. It's better to stay away from this old Rolls-Royce.

Xu Hong is not worried about the insurance company rejecting the insurance. There are so many large and small insurance companies in Huaxia.
"What are you afraid of?" Fang Yuan felt that Xu Hong's thinking was too naive, did he really treat the insurance company as a fool?

Insurance companies rely on this to make a living. The way ordinary car owners think of, insurance companies have already plugged this loophole.

Don't look at those insurance companies who can think of any way to compete for customers, but cooperate on some key issues.

For example, there is an information sharing agreement between some insurance companies. If one insurance company refuses to renew the insurance due to the number of accidents, it may be the same with another insurance company.

Just because I'm on someone's blacklist, I dare not serve you, uncle.

Some fraudulent insurance companies rely on their 4S stores or insurance companies, and use the rules of the insurance companies to make money. However, they will sell the car after a certain number of times, because they are also worried about the renewal of the insurance.

Therefore, when buying a second-hand car, you must ask the car dealer about the commercial insurance situation, so as to prevent the original car owner from being in danger too many times, which will lead to an embarrassing situation when paying for commercial insurance.

If you forget to ask about commercial insurance, whether the premium will be raised depends on God's will or face.

"Lying cao, information sharing? Can you still play like this?" Xu Hong's old face, which was still smiling just now, drooped immediately, and asked Fang Yuan helplessly, "This insurance company can't do it, and that insurance company can't do it, what else can we do? Can I just get out of insurance?"

"You can find small insurance companies that have not participated in information sharing." Fang Yuan gave Xu Hong a suggestion. In Huaxia, there are not all large insurance companies, but there are still some small insurance companies. You can go to them and have a try. Maybe it will go well. Buy insurance.

At this time, Xu Hong was a little helpless. He thought that if he had too many accidents, he would be blocked by a large insurance company and his car would not be insured. He was really scared: "I think I will buy a car in the future. If you can keep the insurance company out of danger, then you don’t have to bother them, and it’s better to solve it by yourself than to lose the insurance if you don’t get the insurance.”

"Brother Xu, you are making a wrong call if you think so." Fang Yuan disagrees with Xu Hong's idea. Buying insurance is not only to meet the national regulations, but to be able to have the right of way without being greeted by the traffic police. kind of protection.

Sometimes when waiting for a red light, or on the highway, you can see some car owners taking the initiative to stay away from luxury cars. Don’t make fun of them, and don’t look down on them, because now it’s different from the time when a Jetta sold for [-] to [-] yuan. Luxury cars are everywhere in the streets and alleys, and there are so many Rolls-Royces. If you are not careful, you dare to get into a luxury car that you can't afford.

For a luxury car like Rolls-Royce, if you change it to a China Open for [-] to [-] yuan, you will lose a Civic.

It costs more than 27 yuan to replace a rear fender, and a Magotan is gone.

The whole car was painted for more than 20 yuan, and a Highlander is gone.

……

Ordinary people really can't afford these luxury cars, and they are fully responsible for touching luxury cars. Are there few human tragedies in which they can only sell their houses because their insurance coverage is not enough?
So as long as you don't have a mine at home, you can stay away from these luxury cars on the road.

As a preventive measure, it is to purchase commercial insurance at a high price, especially in big cities, the third party insurance needs to be purchased above 150 million, and it is best to reach the level of 200 million, plus the third party does not count deductible .

Also, be careful when driving. Whether you are waiting for traffic lights or on the highway, keep a distance from those luxury cars. If others make fun of you, just make a joke. Getting into trouble is the best explanation for yourself and your family.

In the event of an accident on the road, small scratches between ordinary cars can be private, and when the amount involved is large, the police should still be called, even if the insurance premium increases next year, you can only accept it.

"Yeah. I understand." Fang Yuan rambled so much, Xu Hong could feel his good intentions. If something happened, he should still look for the insurance company. After all, they belonged to his own property and family. The best guarantee, even if the premium is increased, it is [-] times better than selling a house or a car.

Fang Yuan and Sun Yanming gave Xu Hong "talk therapy" and finally dispelled his guilt. Xu Hong was very grateful to the two of them. Although he didn't say anything, he felt that Fang Yuan and Sun Yanming were both reliable leaders. Follow this The leader is comfortable.

He has secretly made up his mind that he will work hard with Fang Yuan in the future, and strive to buy a car and a house as soon as possible.

(End of this chapter)