成都發布消費警示：真假車險須明辨，認清本質是關鍵
2025-07-09 中國質量萬里行(xing) 點擊：次
近(jin)期(qi)有消(xiao)(xiao)費者反映，有自稱(cheng)“保(bao)(bao)險(xian)(xian)(xian)公司(si)”的工作人員向(xiang)其推銷所(suo)謂(wei)汽(qi)(qi)車(che)“統籌(chou)險(xian)(xian)(xian)”。消(xiao)(xiao)費者受其誤導，以為購(gou)買的是(shi)“汽(qi)(qi)車(che)商業(ye)保(bao)(bao)險(xian)(xian)(xian)”。認購(gou)后才發現所(suo)購(gou)“統籌(chou)險(xian)(xian)(xian)”不是(shi)汽(qi)(qi)車(che)商業(ye)保(bao)(bao)險(xian)(xian)(xian)，實為“汽(qi)(qi)車(che)統籌(chou)服務”；該類(lei)公司(si)也沒有正規保(bao)(bao)險(xian)(xian)(xian)業(ye)務經營資質，實為汽(qi)(qi)車(che)服務公司(si)或(huo)信息技術公司(si)。消(xiao)(xiao)費者發現被騙要求退(tui)款，往(wang)往(wang)被拒絕(jue)、拖延或(huo)被要求扣除高(gao)額手續費。
為(wei)防止更多消費(fei)(fei)者(zhe)受騙上當(dang)，近日，成(cheng)都市保護(hu)消費(fei)(fei)者(zhe)權益(yi)委(wei)員(yuan)會(hui)、四(si)川省保險(xian)行業協會(hui)聯合(he)發布消費(fei)(fei)警示(shi)，提(ti)醒廣(guang)大消費(fei)(fei)者(zhe)提(ti)高警惕意(yi)識(shi)和辨別能力，識(shi)破“假保險(xian)”真面目，正確投保。
認清本質，辨別真偽
車(che)輛統籌(chou)公(gong)(gong)司不是(shi)保險(xian)公(gong)(gong)司，我國保險(xian)法(fa)第六十七條規(gui)(gui)定，設立保險(xian)公(gong)(gong)司應(ying)當經國務(wu)(wu)院保險(xian)監(jian)督管(guan)理(li)機構(gou)批(pi)準。而(er)銷售車(che)輛統籌(chou)業務(wu)(wu)的汽車(che)服務(wu)(wu)類公(gong)(gong)司注冊時無需保險(xian)監(jian)督管(guan)理(li)機構(gou)批(pi)準，未依(yi)法(fa)取得保險(xian)業務(wu)(wu)經營許可，缺乏專業監(jian)管(guan)，其風險(xian)補償能力及資金安全(quan)性(xing)相對較低(di)。此類公(gong)(gong)司出現(xian)資金鏈斷裂(lie)、撤(che)銷破產等重大危(wei)機時，可能給消(xiao)費者帶來損失，蘊含較大風險(xian)。正規(gui)(gui)車(che)險(xian)由持(chi)牌保險(xian)公(gong)(gong)司承保，受保險(xian)法(fa)及國家金融監(jian)督管(guan)理(li)總局嚴格監(jian)管(guan)，理(li)賠有法(fa)定保障(zhang)。
統籌合同，糾紛難調
“車(che)(che)輛統(tong)(tong)籌(chou)(chou)(chou)”“車(che)(che)輛互助”合(he)同(tong)其(qi)本質為運輸企業(ye)間(jian)風險(xian)(xian)(xian)(xian)(xian)分攤合(he)同(tong)，不受(shou)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)法(fa)保(bao)(bao)護。從目前關于(yu)安全(quan)統(tong)(tong)籌(chou)(chou)(chou)的(de)(de)司(si)法(fa)判(pan)例來看，法(fa)院(yuan)在援引法(fa)律裁(cai)決時，不能適用保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)法(fa)的(de)(de)規定解決相關賠償(chang)糾紛。車(che)(che)輛統(tong)(tong)籌(chou)(chou)(chou)繳費容易賠付難(nan)，并非(fei)正規保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)業(ye)務。車(che)(che)輛統(tong)(tong)籌(chou)(chou)(chou)公司(si)不具備保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)公司(si)的(de)(de)專業(ye)服務能力(li)(li)、理賠能力(li)(li)與重大案件(jian)(jian)賠付能力(li)(li)。一旦出(chu)現重大案件(jian)(jian)，車(che)(che)輛統(tong)(tong)籌(chou)(chou)(chou)公司(si)極易出(chu)現資金(jin)鏈斷裂，“跑路”等(deng)現象，車(che)(che)主可(ke)能面臨無法(fa)獲得賠償(chang)或者無法(fa)獲得足額賠償(chang)的(de)(de)風險(xian)(xian)(xian)(xian)(xian)。另外，車(che)(che)輛統(tong)(tong)籌(chou)(chou)(chou)不能替代車(che)(che)輛保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)，未在保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)公司(si)購買(mai)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)而購買(mai)“車(che)(che)輛統(tong)(tong)籌(chou)(chou)(chou)”的(de)(de)機動(dong)車(che)(che)輛，以后再向保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)公司(si)投保(bao)(bao)商業(ye)車(che)(che)險(xian)(xian)(xian)(xian)(xian)時，無法(fa)享(xiang)受(shou)連續投保(bao)(bao)及無賠款優惠(hui)。
核驗“身份”，防范誘導
消(xiao)費(fei)者(zhe)在購買車(che)(che)險(xian)(xian)(xian)(xian)時，首先須確(que)(que)認(ren)銷售機(ji)構(gou)是否具(ju)備保(bao)險(xian)(xian)(xian)(xian)業務(wu)經營(ying)許可(ke)(ke)證，警(jing)惕(ti)“XX汽車(che)(che)服務(wu)公(gong)司(si)(si)”“XX統(tong)籌(chou)互助平臺”等非保(bao)險(xian)(xian)(xian)(xian)機(ji)構(gou)的誘導宣傳。其次要仔細(xi)查(cha)(cha)看(kan)合(he)同，勿輕信口(kou)頭承(cheng)諾。合(he)同中若出現“安全統(tong)籌(chou)”“責任互助”等非保(bao)險(xian)(xian)(xian)(xian)術語，應立即警(jing)惕(ti)。正規保(bao)單(dan)(dan)需注明(ming)保(bao)險(xian)(xian)(xian)(xian)公(gong)司(si)(si)名(ming)(ming)稱(cheng)、備案條(tiao)款及監管(guan)投訴電話。消(xiao)費(fei)者(zhe)可(ke)(ke)通(tong)過(guo)四(si)川(chuan)省保(bao)險(xian)(xian)(xian)(xian)行(xing)(xing)(xing)業協(xie)會官網和公(gong)眾(zhong)號查(cha)(cha)詢(xun)(xun)(xun)四(si)川(chuan)省內合(he)法(fa)保(bao)險(xian)(xian)(xian)(xian)公(gong)司(si)(si)目(mu)錄清(qing)單(dan)(dan)，同時可(ke)(ke)通(tong)過(guo)四(si)川(chuan)省保(bao)險(xian)(xian)(xian)(xian)行(xing)(xing)(xing)業協(xie)會公(gong)眾(zhong)號和“金事通(tong)”APP查(cha)(cha)詢(xun)(xun)(xun)名(ming)(ming)下合(he)法(fa)有效(xiao)的車(che)(che)險(xian)(xian)(xian)(xian)保(bao)單(dan)(dan)信息，核驗是否由具(ju)備合(he)法(fa)資質的保(bao)險(xian)(xian)(xian)(xian)公(gong)司(si)(si)承(cheng)保(bao)，也可(ke)(ke)向保(bao)險(xian)(xian)(xian)(xian)公(gong)司(si)(si)官方客戶服務(wu)熱(re)線進(jin)行(xing)(xing)(xing)咨詢(xun)(xun)(xun)確(que)(que)認(ren)，防(fang)止買到虛假車(che)(che)險(xian)(xian)(xian)(xian)。如果是新能源車(che)(che)輛(liang)，可(ke)(ke)通(tong)過(guo)“車(che)(che)險(xian)(xian)(xian)(xian)好投保(bao)”公(gong)眾(zhong)號及網站(zhan)進(jin)行(xing)(xing)(xing)投保(bao)。
留存證據，及時維權
消費(fei)者若誤購(gou)“假保險(xian)”，應(ying)及(ji)時(shi)聯系統籌公司要求解除合同并退款，同時(shi)盡快補(bu)購(gou)正規車險(xian)。應(ying)注意(yi)妥善保存(cun)宣(xuan)傳資料、合同、付款憑證等消費(fei)憑據，若協商退款不成(cheng)，及(ji)時(shi)撥打12345、12378、12315等熱(re)線電話投訴(su)舉報(bao)，對涉(she)嫌詐騙的，可向公安機關報(bao)案。
掃碼投訴