Today, small the 2 things that with everybody Liao Liaowei counterpoises, be in at present home is to still be put in issue of a lot of insurance, so safe after dispute happening, we this how does thought for the time being?
Actually the thought of insurance product fors the time being, way is very simple, 3 kinds:
The first: Seek insurance company
Search to insurance company talks things over or be complained, if insurance company pays no attention to you, that catchs the 2nd method.
The 2nd: Seek the meeting that keep watch
Silver is protected now already amalgamative, complain a phone or 12378, can call directly so complain, if still do not have what feedback, that with respect to the 3rd method.
The 3rd: The court is sued
But cost of the 3rd method is higher.
So general thought authority is to pass the insurance company, meeting that keep watch, court so 3 kinds.
But in be being operated actually, I feel the method is not the most important, the most important is: Above all we should know what kind of dispute can dimension authority is successful, want to have a judgement capacity roughly. Must not say to encounter this kind of thing, this newspaper does not sign up for however; Some do not have what effect originally, blind thought fors the time being. Avoid to produce issue as far as possible namely on the other hand
So what kind of circumstance can is dimension authority successful?
Basically 3 kinds of circumstances compare success of easy dimension authority.
The first kind: By serious misdirect
Bought the insurance of attribute of a conduct financial transactions for example, the clerk says year change interest rate to be able to arrive 8% , actually it is floating, the likelihood that keep a copy 1.75% or 2.5% .
Perhaps explain not clear provision, did not say to avoid compensate to wait, this kind of circumstance is possible dimension authority is successful.
The 2nd kind: Silver is protected
Go to a bank buying conduct financial transactions for example, the result bought insurance product in the bank, the staff member did not say to be clear about etc, this kind of circumstance is possible dimension authority is successful.
The 3rd kind: Insurance cost
For example the staff member helps your generation pay insurance cost, result Qian Hei, perhaps retreat when protecting, should retreat originally 20 thousand, the result was retreated ten thousand and five.
Above these 3 kinds of circumstances, also cannot catch to allow, but if appear, everybody must go thought fors the time being, successful probability is very big.
But tell conversely, it is very difficult really to have a few cases thought fors the time being.
For example, a friend bought risk of a serious illness, breast cancer has been gotten before her, should fulfill originally tell obligation according to the facts, the problem that breast cancer has before oneself, tell insurance company, let insurance company decide can cast protect, perhaps need not to need to increase price. But his insurance is procuratorial, tell her under the counter, need not inform.
After buying a product, if this friend feels to be not informed according to the facts, the following hidden trouble may very big, because in case made so old money, because was not informed according to the facts,pay no attention to compensate finally, more deficient.
After finding insurance company to show a case then, insurance company asks to increase insurance cost, although such requirement returns insurance company,be very reasonable, but this friend feels to have a deficit a bit a little, the requirement is retreated protect, result insurance company returns cost of money only.
We know, mix the 2nd year the first when just bought insurance product year, its cost of money is very low, because major cost was dropped by dilute, for example procuratorial commission.
Made many 10 thousand money so, also can 1000 1 money control recapture, so this friend feels very bad luck, complained.
Resemble this kind of circumstance, complain special difficulty, because do not have evidence to prove clerk misdirect is not informed according to the facts, it is more difficult to obtain evidence.
So, on one hand, we should understand a few basic knowledge of insurance product more.
For example: Inform according to the facts, cost of money, safeguard clause, disclaimer.
The 2nd respect, look for an insurance broker that relies on chart.
Because because,a lot of dispute are procuratorial not professional those who cause, it is very important to seek the insurance agent that relies on chart so.
We give everybody pool before pass a writings, how to pass query ABC namely, discern procuratorial, one everybody becomes a simple knowledge.
Come up against insurance agent to be able to ask him, if do not answer to come up, spoken parts in an opera his level is not as high as you still, can rise to discriminate action certainly so, I suggest everybody has a look.
The friend that have fun at can pay close attention to " the 2nd clean out treasure " a date or date of small letter public.
