Roundtable Forum: How should the rights and interests of consumers in the insurance industry be protected?

2012Year3month15Day, positive3·15InternationalConsumerEquity Day，Sponsored by the financial website and exclusively co-organized by International Financial News“2012Life insurance transformation and breakthrough in adversity”First China保险Industrial Life Insurance Marketing Summit Forum grandly opened in Beijing.

Yu Haichun, Secretary of the Party Committee of the w88 casino of Insurance of w88 casino, presided over the roundtable forum and discussed the latest news with many guestsInsurance LawRevised, there will be in-depth discussions on how to protect the rights and interests of consumers in the insurance industry and other related topics.

Moderator:Yu Haichun, Secretary of the Party Committee of the w88 casino of Insurance, w88 casino

Guest:

Cheng Huaqing, the first person in insurance claims

Dong Zhuli, Deputy Secretary-General of China Consumers Association

Li Zhi, Director Lawyer of Beijing Qinmin Law Firm

Li Na, partner lawyer at Beijing Yingke Law Firm

Roundtable discussion: How to protect the rights and interests of insurance consumers

The following is the text record:

Yu Haichun:First of all, I am very honored to have the opportunity to host this forum. The theme of this forum is about the protection of consumer rights. When we got the list, everyone knew the composition of these guests by listening to their introductions. There was Mr. Dong Zhuli, deputy secretary-general of the China Consumers Association.

There is another person who is the first person to make insurance claims in Wuhan, Mr. Cheng Huaqing, who has a company that makes claims.

Over there is Mr. Li Zhi of Qinmin Law Firm. This citizen must be an insurance consumer.

Over there is lawyer Li Na from Yingke Law Firm.

I am from the w88 casino, and we are basically in the field of insurance consumers. An attorney at two law firms, I am neutral as an academic, but I am also an insurance consumer.

I was very inspired by Mr. Li’s important speech just now. He mentioned that consumers are God, and if you cheat God, you will be punished. This punishment is what we call the insurance industry in adversity today. w88 casino games login’s not okay to offend God.

Consumer rights and interests protection can be discussed from multiple angles, including the legal level, the administrative level, other public opinions, insurance company self-discipline, industry associations, consumer associations, etc. Consumer protection is a very hot issue. This issue was also mentioned at this year’s National Work Conference. In what aspects are consumer rights and interests reflected? What problems are currently faced with protecting the rights and interests of insurance consumers? How to settle claims at a legal level?

Today we are here to communicate about consumer rights protection. First of all, I would like to ask Mr. Dong Zhuli, Secretary General of the Consumers Association, to talk to you about this issue.

Dong Zhuli:I am very happy to participate in a seminar on such a topic.2012The China Consumers Association has determined the theme of the year: consumption and safety. I don’t know if everyone understands w88 casino games login or not. Then the insurance industry should say that its purpose and purpose is to ensure the safety of consumers and to ensure that consumers can receive assistance when they encounter difficulties. This is its fundamental purpose.

In this way, safety issues surrounding product design, product sales, and final services are probably the issues that consumers are most concerned about. The China Consumers Association decided to set such an annual theme based on such factors. There are currently many problems in the overall situation of my country's consumption environment, which have aroused widespread concern among consumers, especially safety issues. Whether w88 casino games login is food, transportation, furniture, environment, etc., safety issues are very worrying for consumers.

The same is true in the financial and insurance industries. We know that every industry and every industry cannot develop without the support of consumers. If consumers want to consume this product, they cannot do without the word confidence. How can we give consumers the confidence to consume this product? I think judging from some of the issues reported by the National Consumers Association in handling consumer complaints, we have the following suggestions:

The first one is product safety. We must first consider safety during product design and manufacturing. We must design this product based on full and transparent investigation, truly express, create this product, and ask consumers what they need. The experts just spoke very well, and I was very inspired by what I heard below, including how different products adapt to different consumers, and we must understand the real needs of consumers when designing. Only in this way can the product be targeted and actually safe for consumers. If they trust the product, they will have the motivation and confidence to consume.

The other is that the product must be people-oriented, concise and easy to understand. As you all know, our thirty years of reform and opening up are not that long. Although we have enough food today, live in larger houses, and even drive cars, have our scientific knowledge, scientific consumption concepts, and scientific consumer culture kept up with the speed of economic development? We must also consider this factor when designing and selling our products. Consumers need to be improved. Their levels and different classes require targeted guidance and education so that they can truly understand their products. The most important thing is to improve consumers' concepts, scientific cognition, and scientific consumption. This is people-oriented.

Nowadays, some other industries have mentioned this slogan. We leave the power of interpretation of consumer contracts to consumers. I have also bought insurance. w88 casino games login is difficult to be patient and understand a lot of clauses. The final right of interpretation is left to the consumer, who has the final say when settling a claim. This is what we pursue.

Another aspect is that the information must be presented comprehensively and accurately. I can't stress w88 casino games login any more. We should not ignore or mislead those that are not beneficial to consumers; we should promote the beneficial and good aspects in a comprehensive and accurate manner.

There is also consumer education and guidance, and the insurance industry must increase its efforts in this area. Last year, the China Insurance Regulatory Commission established the Consumer Rights Protection Bureau, which reflects the protection of insurance consumers at the national level. The leaders of the Protection Bureau have also communicated with small and medium-sized enterprises many times to conduct discussions on protecting the rights of insurance consumers.

In the insurance industry, companies also have the obligation to educate consumers. In a market economy, without mature consumers, there will be no mature market. If consumers are immature and do not understand, w88 casino games login will be difficult for the market to mature. Because the main players in the market are operators and consumers, we need to raise awareness in this regard and spend some money and energy to carry out popular education.BankBusiness and other industries are also leading the way.

The last thing is to improve the after-sales service. The word "perfect" is very simple, but there is a lot of complicated work to do. Just now the experts also mentioned that production and sales should be separated to overcome the problem of two skins. Here we just sell tubes without providing services, so there are some difficulties. w88 casino games login is necessary to gradually establish a system to serve consumers, make the channels for serving consumers smoother, and gradually build up consumer confidence. w88 casino games login is beneficial to the healthy development of the industry.

Yu Haichun:I just talked about the provision of information to consumers from multiple angles. When the information provided is incomplete, the insurance sales target will choose a product that should not be bought, or make a wrong judgment and finally buy an insurance product. At this time, information provision is very critical, and the right products must be sold to the right consumers. When selling insurance, you must follow the principle of suitability and sell suitable products to suitable consumers. There are corresponding regulations in Japan's Financial Products Sales Act.

Thank you Mr. Dong. Now let’s ask Mr. Cheng Huaqing to talk about the infringement of consumer rights involved in the claim process, whether w88 casino games login is difficult or not difficult to claim, the sales misleading he gave, a series of questions, and how to share his experience.

Cheng Huaqing:I just did w88 casino games login relatively early in Hubei Province. I dare not say this in front of experts. w88 casino games login does take courage to make a claim. You can see that I am a bit different when I come today. First, I am from Wuhan. I just received a phone invitation from the website. Do I think w88 casino games login is appropriate for me to come? Life insurance marketing forum, as a claim person, am I suitable to talk about this topic? To what extent can we talk about w88 casino games login? Is w88 casino games login acceptable to everyone? Later, the website told me that you can talk about any topic. The stage in Hubei Province is definitely not as big as the stage in the capital. There is a lot to say from a consumer perspective, especially in315This day, so I came.

The second one came earlier. I arrived at around 7 o'clock this morning. I prepared the topic for the forum. I brought information on consumer rights protection before I came. I was fully prepared and brought enough ammunition.

The third identity of me is relatively unique. Today, w88 casino games login is entirely from the perspective of consumers. Besides the Secretary-General, I am the one. I specialize in insurance consumers.

In addition, I wear the most clothes in the whole room, and w88 casino games login feels hotter today. You all wear shirts. I think this is another inappropriate time for me.

I am making insurance claims, making claims on behalf of consumers, from the perspective of consumers. But initially I don’t want to talk about w88 casino games login from a claims perspective. I want to talk about insurance marketing.

Several leaders said that the provincial leaders we contacted in Hubei and the leaders of the head office in Beijing today said that the company’s senior leaders indeed attach great importance to the concept, and they hate misleading behavior. Why does the misinformation still exist? Including just now, some bosses said that there are problems including channel construction, and w88 casino games login is indeed necessary to break through, but misinformation occurs at the grassroots level, but the blame cannot be completely placed on the grassroots people, which means that the product must be sold. If you are not misled and promoted honestly, your butt determines your head. Your position, if the grassroots staff can't sell w88 casino games login, they won't get bonuses, and they can't complete the task, which is misleading consumers. There is a systemic problem. w88 casino games login is wrong to mislead, but if you tell the truth, if this is not compensated and that is not compensated, will people buy w88 casino games login? If w88 casino games login is explained clearly, will the person involved buy w88 casino games login?

This is a real problem, and marketers cannot be blamed for misleading. Some are misleading, and some are avoiding the important and taking the easy. w88 casino games login is understandable that the advantages of insurance are promoted while the disadvantages are avoided.

At present, our country’s insurance market is not yet mature, and there is no mature market. Insurance consumers are very blind, so they lack knowledge. Therefore, our current insurance sales are mainly relationship-based and passion-based. Some managers mentioned that insurance sales are very passionate. I guess I know a little about insurance, but this is not good for consumers. He is immature and easily buys from passionate people. I don’t know if these few words are suitable. Anyway, the appeal is very strong. I was very excited when a manager just said that he sells hundreds of millions a year. With his ability, passion and professionalism, w88 casino games login is good for insurance consumers. However, many people only have passion but no professionalism. This is not good for consumers.

I have never sold on behalf of an insurance company. I am an insurance broker. The reputation of insurance brokers is not high. You may not have been an insurance broker. I feel that I have a high status and am respected. Because first of all, I am an expert when w88 casino games login comes to the insured. I analyze from a professional perspective. I am very objective. He also trusts me. I also feel like an expert. I am also respected by the insurance company. Because I represent products, I do not feel that I am pestering the insured all day long. My professionalism can win respect, but the prerequisite must be professionalism and the selection of good products for consumers. For example, what does w88 casino games login feel like to be a clothes buyer versus a clothes seller? When selling clothes, you must sell the ones with the highest profit. Bosses say that you should sell the most suitable products to the most suitable people. Is this possible if you sell w88 casino games login? But as a clothes buyer, I will analyze the color, size, and economical level of each piece of clothing to see what your customers think.

So insurance brokers and insurance agents are different. w88 casino games login's inappropriate for me to say this today, saying that insurance brokers are good in front of people in the agency. But given this rare opportunity, I really call on the country to vigorously develop insurance brokers. Insurance brokers are very professional. When you buy a piece of clothing, how can you sell w88 casino games login if you don’t know the style, color, and size of the clothing?

I think our country should vigorously develop insurance brokers, because our country’s insurance sales support capabilities are too poor. Only insurance brokers can do this, so that the entire insurance market can make comprehensive progress.

This is my digression today.

Yu Haichun:What Mr. Cheng said is off-topic. Is there anything on-topic that you want to say? So let’s ask lawyer Li Zhi to share some of his views.

Li Zhi:Today we are discussing how insurance consumers protect their rights. As a lawyer, I will mainly talk about the rights and interests of insurance consumers based on the situations I encountered in my practice. First, let’s talk about the problems I encountered in safeguarding the rights of insurance consumers during my practice:

The first problem that insurance consumers encounter during the process is misleading salespeople.

The language in the second insurance contract is obscure and difficult to understand.

Third, w88 casino games login is difficult to settle claims.

Let’s talk about the problem of misleading first, and let me introduce w88 casino games login based on the cases in the process of handling the case. One of them is a logistics company. Every year, customers send a lot of goods. A salesman from an insurance company came to him and said that you should get a cargo transportation insurance, so he gave the contract to the boss. The boss said that the salesman said w88 casino games login well. If a traffic accident occurs during the transportation of goods, you can get a claim and you are guaranteed. So I bought w88 casino games login.

After buying w88 casino games login, there was an insurance coverage. If the transport vehicle was overturned during transportation, the insurance company would compensate. After the purchase, something unexpected happened. When a batch of goods was transported to the south, an accident occurred. The accident was very strange. Because we were transporting a batch of paint to a mountainous area, the road was uneven. As a result, the car was bumping back and forth. The car tilted, and the paint fell to the side. The car also tilted, and a lot of paint fell off. The car came forward again, but the car did not overturn. The paint caused damage. So the company found the insurance company, and the insurance company went to the site to investigate and took photos and records of the damage.

I filed a claim with the insurance company. According to the contract, you said w88 casino games login was overturned and my car was overturned, so I should compensate. The opinion given by the insurance company is that our contract is completely subversive, so the dispute over this interpretation is fierce. The logistics company sued, and I represented the case. In the end, both parties argued in court“倾覆”, the insurance company said“Capsize”means four windlasses pointing upward. Later I said that even if the four windlasses did not face the sky but overturned immediately, this should be considered as happening. If such an accident occurs, w88 casino games login should be interpreted in favor of the insured.

As a result, the court later adopted the opinion of the insurance company’s agent and no compensation would be paid if the four windlasses were not lifted up. Later I told the judge, if there is no compensation for the four rollers, should we pay for the two rollers? The judge said nothing.

Therefore, insurance contracts use a lot of professional terms and are relatively long, which the parties cannot understand at all. To be honest, some insurance contracts seem a bit difficult to me.

“Subversion”w88 casino games login is required to have four wheels in the air. One day I counted a hundred traffic accidents. There were only two of the four wheels in the sky. How many can do this? Generally speaking, there are very few vehicles with four wheels pointing upward. If everything is explained in this way, the insurance industry will not be able to develop. In the end, the boss lost the lawsuit. I told him that the first instance court's decision was not good and that he should appeal. He couldn't tell, he said that even if I were to win, I would lose. He said he would never buy insurance again. Why? I was on Baishang and paid premiums every year. There was no claim in this case, and the amount was not large. On the surface, the insurance company seemed to have won the case and there was no compensation.

Then think about w88 casino games login, this logistics company will need to be insured every year in the future. In the long run, although the insurance company won the case, w88 casino games login lost in the long run. When accepting insurance contracts, can insurance companies not use extreme language? Doesn’t w88 casino games login work without subversion? Just say that if a traffic accident occurs, you will be compensated. At that time, the insurance company used such words and the case was not settled.

The third is how difficult w88 casino games login is to settle claims. When w88 casino games login comes to insurance, consumers are God, but when w88 casino games login comes to settling claims, they go to hell.

I have a client who recently received a case where his father did not die due to a traffic accident. However, he later died after staying in the hospital for several months. The insurance company came to settle the claim. All the bills were prepared. I went to the insurance company to settle the claim. The first time the insurance company said w88 casino games login was still missing, we would compensate you 100,000. The next day I went and said w88 casino games login would compensate you 90,000. The third time I paid 70,000. The eighth time I went to study and the compensation could only be 50,000.

This client came to me and said that the lawyer would like to ask you whether the insurance company can give you a clear explanation of the claim settlementdataChanging around? I said w88 casino games login shouldn't be done according to the law. He finally said that I would not go to the insurance company and that I should entrust a lawyer to file a lawsuit for me. I couldn't afford to run away.

w88 casino games login is indeed difficult for claims lawyers to handle these cases. How to solve the problem of consumer protection during the consumption process? Tell us your opinions:

First, strengthen legislative protection. I think the current national insurance law is still imperfect in terms of protection of insurance consumers. If misleading behavior exists, punitive measures should be taken. For example, the Food Safety Law provides ten times the compensation. Can such regulations be introduced into insurance regulations? This solves the problem of dishonesty.

What else should we pay attention to in legislation? Insurance contracts should not be written too professionally. We are now emphasizing the development of insurance law. We can hold some activities and lectures. However, I think the most important thing and the most effective is to write the insurance contract of the insurance company in a popular way so that ordinary people can know at a glance what the insurance is, what the benefits are, and what exemption clauses there are. Now insurance companies should think about this issue. If the insurance contract is so obscure and difficult to understand, will w88 casino games login also bring a lot of trouble to the insurance salesperson? If you write w88 casino games login concisely, the customer will sign w88 casino games login as soon as he reads w88 casino games login. If the customer cannot understand w88 casino games login, the salesperson will have to explain w88 casino games login bit by bit. Some explanations may even take three to five hours. Is this a waste of time? The popularization of insurance contracts should be guaranteed by legislation.

In addition, I want to protect the interests of insurance consumers. Insurance consumers themselves should also pay attention to raising awareness of rights protection. You should have some understanding when investing in any type of insurance. Nowadays, many insurance consumers just listen to the salesperson’s introduction, and some even sign the contract without even reading w88 casino games login. You should learn some professional knowledge about insurance. This will also be beneficial to him in protecting his legal rights in the future.

In addition, to protect the rights of insurance consumers, w88 casino games login is not enough to fight alone. There should be a truly independent rights protection organization for insurance consumers. We should form a joint force to form a balanced game with insurance companies. Only in this way can both parties achieve harmony in the game and truly develop the insurance industry.

Yu Haichun:Based on his experience in handling cases, Lawyer Li mentioned that there is indeed a problem of difficulty in settling claims, especially when w88 casino games login comes to judicial rights protection. I think he made very good suggestions, such as whether punitive damages can be included in the revision of the insurance law and how to popularize insurance clauses. This aspect reflects the voice of insurance consumers.

Now let’s talk about w88 casino games login, lawyer Li Na, a partner of Yingke Law Firm.

李娜：Hello everyone! I am very happy to discuss the issue of consumer rights protection here. Most of the people here today are practitioners in the insurance industry, who are both consumers and sellers. Today, the seniors talked about how to protect their rights and made some suggestions on issues in the insurance industry. I will give a comprehensive talk on how consumers can protect their rights.

As for consumers, they are a vulnerable group in the process of signing insurance contracts. Lawyer Li also said that the terms of the insurance group are not easy for lawyers to understand, let alone ordinary people. If consumers simply listen to the salesperson when purchasing, they should focus on which terms are not compensable, not listen to which terms are compensable, and tell me all the terms that are not compensable. For example, write w88 casino games login in your own hand and give a clear explanation of what you don't understand. When signing the contract, read w88 casino games login carefully and sign after reading w88 casino games login.

Also during the performance of the contract, there is a period of time during the signing of the contract, that is, there is a ten-day hesitation period after signing the contract. During the performance of the contract, some accidents occur and they are reported to the police in time to collect evidence. This is difficult for consumers to obtain evidence.

If an insurance company refuses to make a claim, or w88 casino games login is difficult to settle the claim, and w88 casino games login delays the payment for several months or a year, how can consumers safeguard their rights? You can contact the China Insurance Regulatory Commission, the Consumers Association, or a lawyer. Finally, litigation or arbitration can also be used. Litigation methods cannot really achieve the purpose of consumers. Why? Many consumer contracts do not provide compensation, but how to explain this? Many terms are subject to multiple interpretations. Lawyer Li Zhi said that this is a very difficult situation to achieve. How to interpret the clause? For lawyers, the exemption clause replaces the consumer rights issue. This is an invalid clause. However, the court will basically not invalidate the insurance clause and generally rule no compensation.

w88 casino games login is difficult to protect the rights and interests of consumers, and the law is not perfect enough. Consumers are vulnerable human beings.

I just suggest that insurance industry personnel should systematically explain to consumers what will not be compensated during the sales of insurance contracts, and do their due diligence to consumers, so that consumers have a clear right to know. The goal cannot be achieved because of performance.

Maybe what I said is a bit exaggerated, but I am talking about the issue from the perspective of consumers. Once an insurance contract is signed, w88 casino games login is difficult to achieve the goal through timely litigation. Thank you all!

Yu Haichun:The lawyer talked about the difficulty of safeguarding rights from a lawyer's perspective. As a consumer, you will encounter many obstacles when you truly safeguard your rights and interests, some of which are legal and some of which are man-made.

Dong Zhuli:I would like to add that this opportunity is not easy today, today is the right time315, in fact, the purpose mentioned so much is for the healthy development of the industry and to better protect the interests of consumers. I would like to add a little more about the more complicated issues mentioned by the rights protection lawyer just now. Here are a few small examples. Everyone knows that the home appliance industry has developed relatively maturely. In the fierce competition in the home appliance industry in the past few years, a company that produces refrigerators has made such a clause, saying that if my refrigerator has quality problems and does not cool or has abnormal cooling within a week, you will win a lottery if you buy such a refrigerator. w88 casino games login costs 6,000 yuan to buy a refrigerator. I will replace w88 casino games login with a new one and refund the 6,000 yuan you spent on the refrigerator.

After making such a promise, more than 1,000 units have been produced in a year. Many of them may not fully meet this condition. However, the company adheres to the principle of leaving the right of interpretation to consumers. If consumers think there is indeed a quality problem, they will replace w88 casino games login for you and refund the money for the product. In just a few years, a third-rate enterprise achieved a turnover of 50 billion. The reason is integrity. Especially in the current market environment, everyone knows that integrity is very important in today's market environment. Integrity is the best advertisement for consumers.

To give another example, w88 casino games login turns out that there was a relatively large company in the photographic equipment market that recently went bankrupt. Five or six years ago, the China Consumers Association once questioned their products and services, hoping that they could resolve the issue of consumer rights protection without discrimination. However, they firmly hold on to their right of interpretation and use other forces to resist the Consumers Association. They do not solve the problem well for consumers. In the end, consumers have the right to vote. If w88 casino games login is not possible, consumers can stop consuming your products. Practice has proved that they will not be able to do so after five or six years.

These are two examples. One is to be honest with consumers and hand over the right of interpretation to consumers. The other is to tightly hold the power of interpretation. Enterprises enjoy information and technological advantages that consumers don’t know. Consumers can’t tell you, but consumers can vote with their feet. I think the insurance industry needs to develop healthily. Is w88 casino games login necessary to increase the intensity of reform and transformation in this regard in the future? Some insurance companies are very competitive in property insurance, and some companies are very good at w88 casino games login. When an insurance incident occurs, you don't need to provide complete evidence and information. You ask this question, and you will be compensated quickly. Unlike in the past, incomplete information and incomplete procedures were used as reasons for delay.

This phenomenon is very good and should lead the industry. Only by being responsible to consumers and having the courage to be honest can we win the trust of consumers and occupy good opportunities and positions.

I hope all companies can do this and be welcomed by consumers.

Yu Haichun:Integrity is very important, and lack of integrity is very important. Do the following guests have any additional remarks?

Cheng Huaqing:I just talked about things outside my major, and now I’ll talk about things within my major. The practice of insurance claims settlement and temporary renewal of insurance was changed under my promotion. Originally, you had to buy car insurance at night24Click to start insurance. I received a case. I bought insurance in the early morning, and an accident occurred at 8 o'clock in the morning. In the end, the case was compensated through my efforts. I wrote to the China Insurance Regulatory Commission, and the China Insurance Regulatory Commission issued a document, using my meager strength to promote the development of the insurance industry.

In the media of Hubei Province the year before last, I summarized the top ten bullying behaviors in insurance, because I think there are many problems with insurance clauses, and I don’t think this is the most important problem. The most important problem is consumers’ bullying behavior. There are problems with the legal provisions of bullying behavior, and w88 casino games login will ultimately be decided by the court. However, consumers simply have no way to deal with some bullying behaviors. There is no way to expand on w88 casino games login today. I have posted these things on Weibo, my real name Weibo, everyone is welcome to watch.

I am an insider in the insurance industry, but not from the insurance industry. I don’t care much about w88 casino games login. I will say what needs to be said. And the root of many problems lies in the regulatory authorities. I will report w88 casino games login to the regulatory authorities. Ten major problems in the insurance market.

Some of the cases I received were not the insured’s fault at all. For an accident insurance, when you made a claim, the insurance company went to follow up and pay the procedures. The day before the claim was settled, the general manager said, please show me the list. When I look at the list, I don’t see this person on the list. If I don’t have this person, what do I have to pay for? There will definitely be no compensation. But after I intervened in this case, I paid the compensation. There are many factors. There was no insurance start-up, w88 casino games login was not during the insurance period at all, and compensation was paid.

w88 casino games login is either not covered by the insurance or not informed, one person joins a groupTravel, he fell ill and died. He had hypertension for two years, but he was not informed. I intervened and compensated him.

w88 casino games login’s not that I have much ability. There are many reasons for many problems. Why can’t I compensate? Because there are many factors, there are many problems in the claims process and the underwriting process. I have to compensate through judgments. The whole process involves compensation issues. The insured must learn from the standards and ask professionals to intervene. Including what I told everyone to contact me whenever there is a claim settlement case, even though the insurance company's terms are all one-to-one.

I was once interviewed by Changjiang Daily. He said that many claims problems arise during the underwriting process, and problems often arise during the underwriting process.

Let me talk about another case. I just received a case. I was an insurance company salesman. After working for three months, there was no order, so he hired his father. However, his family was poor and he bought insurance for his father for more than 2,000 yuan, but the procedures were not completed. I called my father during the Chinese New Year, because the insurance company was hundreds of kilometers away and w88 casino games login would not be your signature after the insurance policy was issued. I told my father that I needed to complete the procedures as soon as possible, and I told my father, but a few months later, my father passed away. There can be no compensation.

At the same time, he also said that his father was ill, but he did not tell him. At that time, I lamented that you are a college graduate and an insurance salesman. You have lost all your own insurance. How can you be expected to satisfy other customers? This is a prominent problem at present. Insurance personnel are mixed, some are deliberately deceiving, and some are not good enough, which will leave many hidden dangers for insurance companies. w88 casino games login also requires attention. Including the cases I did, why were the claims made? There is indeed a reason. I represent the defendant and will play the role of the defendant, but at the same time I am also helping you.

Including when I established the company, the claims adjuster from the insurance company later welcomed me, but the insured did not understand him, and the correct case was unclear. Later, he was recommended to me and asked what was going on. w88 casino games login was true that the insurance company did a reasonable job. I said a few words and the person left. The insurance company sighed because my position was on the defendant's side. This is because the two parties currently do not trust each other. I don't believe w88 casino games login if he is right because he knew that I was the one who made the claim. At present, the boss just said w88 casino games login. I strongly agree with this. What if there is no doctor and sell w88 casino games login to patients? What should we do with this phenomenon? Because there is a doctor and an impartial intermediary to do this. Why do I highly recommend insurance brokers? Don’t believe w88 casino games login even if the substitute is your brother, because he wants to make money and do business. There is indeed such a problem. But agents are different.

I will say a few more words and read a few lines of my summary of overlord behavior. After listening to w88 casino games login, you will know why I say this. The insurance company takes w88 casino games login for granted that all the information is taken away when making a claim. This is very unfair. Each person should have one copy of the contract, and if they refuse compensation, they should be returned. There are many cases that I won’t go into.

Second, the insurance company has the final say on whether to report the crime. The phone calls made by the reporter are recorded by the insurance company. Everyone thinks there is a problem. We often encounter problems. The insurance company says that the defendant did not report the crime.

The third refusal is timely booking. He said that this thing is unilateral, but if you don't recognize w88 casino games login when I report w88 casino games login, w88 casino games login's also a headache.

The fourth on-site inspection data only has the signature of the person in charge, and no authorization is required. w88 casino games login's just an inspector taking a look, without any insurance company procedures. If they were used, the insurance company would not think of denying w88 casino games login, but w88 casino games login would be unable to say anything in court. Insurance companies are very strict in reviewing the insured's information. Today I have to say w88 casino games login in front of the secretary-general. Apart from the insurance contract, there are no other formalities.

Fifth, knowingly failing to compensate, intentionally failing to inform, and interfering with the insured's behavior. I met a new driver who didn't pull the handbrake. He didn't tell him. After talking for a long time, the person involved said that the insurance company would compensate and you could fix w88 casino games login however you said. But after the repair was completed, he was told that he wouldn't compensate. If you pay, I'll listen to you; if you don't, I'll fix w88 casino games login separately. Misleading people, including medical treatment.

The sixth settlement information will not be stamped. I've encountered this before, and the receipt was signed by one person. A formal receipt from an insurance company turns out to be rejected by the insurance company. My information is handed over to him, what should I do as the client? Very passive. Is this Overlord? Not giving anything to you.

Seventh, regardless of whether the insured is satisfied with the compensation or not, the insurance company requires you to get a blank compensation form to be stamped and given an account number. The insured placed a deposit of 100,000, and finally received 60,000 in the account. The insurance company said w88 casino games login was stamped. Many people will hear this sound. Overlord over the insured.

Eighth, there are three points in the insurance settlement letter. The first page says that w88 casino games login is by someone, and the second and third pages say that the case has been closed. When you went there, you said that the case was settled, and w88 casino games login was a formal receipt from a regular insurance company.

Ninth, the insurance policy is only retained by the insurance company and is not stamped. Sometimes we can’t even get anything from him during litigation. Part of the insurance contract is reserved by both parties, but nowadays w88 casino games login is often impossible to find w88 casino games login even if you try to find w88 casino games login.

Tenth, the special agreement becomes a special provision and becomes a private territory exempting the insurance company from liability. At that time, w88 casino games login was written that when I received the terms, I accepted them after reading them. I think the insurance regulatory authorities must control this and cannot change w88 casino games login at will.

There is another insurance policy with extremely small payment terms. The life insurance is relatively formal, and there is also the w88 casino-age insurance. The insurance terms are densely written, and the insurance terms are printed in a formal way. It is difficult for professionals to calm down and read, and it is obvious that non-professionals cannot see clearly.这也是霸王行为。

Wait, wait, do these exist? I often can't get in. I'm not afraid of problems with the court's terms. No matter how bully I am, I won't bully anywhere, but if my behavior is bully, the court won't accept w88 casino games login. These are harmful to the interests of consumers and the interests of the insurance industry.

Related links:http://insurance.jrj.com.cn/2012/03/15175212499432.shtml