As the fierce competition in the vehicle insurance market continues to increase and decrease, many insurance companies will not only launch offline services but also provide customers with insurance coverage for telephone car insurance. The salesman of the insurance company will call the owner who bought the new car and ask if they need to buy insurance for their own vehicle. Many people do not see the real insurance policy on the phone and feel that this insurance is not reliable, and they are arbitrarily denied the telephone insurance. Is the phone insurance safe? We can analyze from the following aspects.
First, the reputation and credibility of insurance companies. For well-known insurance companies, their introduction of telephone insurance is mostly for the convenience of the customer. In order to save the customer's time and effort, the telephone insurance business is launched. These regular treasure chest companies are still relatively reliable, and the content of telephone insurance is the same as what we see on paper insurance policies, but the form of sales is different. For car owners, phone insurance is not trust, but should be treated differently. If the insurance company is an unknown small company, then you need to be cautious if the other party is a well-known insurance company, in terms of reputation and credibility. If you are good, then you can still buy such a car insurance.
Second, buy insurance content. The main reason why car owners are concerned about the unreliability of telephone insurance is mainly because they do not know enough about the contents of insurance and cannot determine whether the content of phone insurance is consistent with the contents of actual insurance policies that we see, and whether their interests can be guaranteed. Therefore, when we communicate with the insurance company staff on the phone, we must consult these questions clearly. If we can confirm that the contents of the insurance we purchased at the site are the same, we can safely purchase such a car insurance.
Third, the amount of insurance payouts and the conditions of payment. Some owners say that the cost of phone insurance is lower than the actual purchase price of the insurance company, so the compensation may not be paid in full at the time of payment. In fact, this kind of situation has happened, but some insurance companies still do a better job of paying the amount of compensation. When judging whether the phone insurance is reliable, we should consult more on the payment amount and other issues. If we understand it clearly, we can decide whether to purchase it. Sometimes the phone insurance for the promotion of oh does use low-price strategies, but we can't kill all this stick and think the phone insurance is not reliable.
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