From the area of vegetable birds, it has been learned that the “nightly fetching” function is followed in several cities.

On 6 May, the menu potato officially issued a circular for consumers in Shanghai, Hiroshima, Deep, Hangzhou, in all five cities to solicit “night-take” adaptation needs.

If the user needs a “nightly dressing” at the door-to-door farm, it is possible to register through official channels such as the public number of the menacing station and the microblog, and to have the opportunity to pass a quick-blowing experience for the promotion of small areas by one of his own means.

For the course of the incident, the reporter of Beijing business daily learned that on December 11, 2021, after the owner Mr. Liu had a traffic accident, the vehicle was towed to the center by the staff of Huiteng automobile maintenance service center in Xingtang County for repair. In April 2022, Mr. Liu complained that after the settlement of property insurance claims, he could not take out the vehicle normally. On May 7, relevant events also appeared on the microblog hot search.

After the fermentation of the incident, everyone property insurance responded that the company finally helped the customer recover the vehicle on May 8 by guiding the owners involved to report the case, seeking the public security intervention of Xingtang County, Shijiazhuang City, Hebei Province, and planning to sue the repair shop involved in civil proceedings. The incident occurred because the person in charge of Huiteng automobile maintenance service center in Xingtang County privately pledged the vehicles in the repair shop to obtain funds from a lending institution for personal economic reasons. Everyone property insurance has blacklisted the repair shop involved.

The recovery of the vehicle seems to have a satisfactory result, but the twists and turns behind it are worth warning. Why was the vehicle privately mortgaged by the repair shop? An automobile industry expert pointed out that this is a typical illegal problem of automobile maintenance enterprises. No matter which company we cooperate with, this may happen.

This is normal vehicle repair, but the vehicle is privately pledged by the person in charge of the repair shop. Why can the repair shop succeed? Zhang Lei, CEO of Cheche technology, pointed out that under the traditional claim settlement mode, after the accident, consumers need to report the accident, communicate with traffic police and insurance companies, find a rescue company to tow it to relevant outlets for maintenance. The cooperation between insurance companies and maintenance outlets is also point-to-point communication, which is difficult to achieve information transparency and whole process closed-loop service.

Some people in the industry said frankly that the problem with the occurrence of the incident was that the insurance company closed the case after the payment of compensation, and did not do a good job in the “last mile” of service. For this matter, we have reflected on the property insurance. We said that although there are problems such as the illegal behavior of the person in charge of the auto repair shop, the company is also worth reflecting on the maintenance of customers’ interests. First, the customer’s claim settlement service failed to achieve closed-loop management. The case was closed after the compensation was paid. The customer failed to continuously track the progress of vehicle maintenance and the subsequent need for help. There was a problem that the service was not in place. Second, after customer complaints, they stuck to contractual obligations and failed to immediately help solve practical problems from the perspective of customers, resulting in delays.

From the perspective of the industry, in the current industry, auto repair shops deliberately destroy vehicles for profit, expand losses, fabricate accidents and other situations often occur. It is quite common for some repair shops to make insurance companies “pay more points” by destroying vehicles.

As an important part of the settlement of insurance claims, how should insurance companies build a firewall to safeguard the legitimate rights and interests of themselves and consumers?

Zhang Lei suggested that for maintenance plants, insurance companies should establish a strict access cooperation and dynamic tracking mechanism to classify and analyze the qualification, credit rating, standardization and operation status of maintenance plants, and give risk tips when necessary. At the same time, insurance companies should make use of the deep empowerment of insurance technology in the auto insurance claim settlement process, optimize the service process of auto insurance claim settlement, achieve claim data exchange, information transparency and real-time interaction, realize the closed-loop service and visualization of the whole process of case reporting, investigation, loss determination, claim verification, settlement and delivery, protect the rights and interests of consumers and optimize the user experience.

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