Currently, many owners have chosen to do in the 4S shop sentinel direct compensation, map is a peace of mind, "free repair" commitment to advance the owners do not repair fare, really have such a good thing? Under the guidance of people in the industry, I learned some of the secrets behind the direct compensation.

Kero Throttle Body  has learned that in the 4S shop to buy insurance generally can enjoy a 15% discount. One owner is in the process, the policy is written in the full price, after the credit card for payment, 4S shop the discount partly in the form of cash return customers. Why use this form it? Claims staff explained that the commercial auto insurance companies usually have a certain rebate, by the customer, 4S shops and insurance agents to share, "This is a very high 15% rebate to customers, and that is this phone insurance discounts." In the store to buy Insurance There are other benefits, the current launch of the store is to buy the insurance to send a maintenance, there are other cars decorated with small gifts. "Here is a very cost-effective to buy, 4S shop himself some insurance rebate which basically deals with the form back to the customer." Claims traders said.

The so-called "fixed direct compensation" refers to the 4S shop can be given directly to the dangerous condition of the damaged vehicle and issue the documents to assess the damage, the customer only need to drive to the 4S shop, and provide valid documents, car repair, all matters relating to claims by the 4S shop negotiations, Customers do not need to intervene. That point will be the owners direct compensation claims process from the tedious freed, as long as the car to the 4S shop, others do not have control, just waiting to pick up the car on the line. At present, the business has been very popular, not only in the 4S shop to buy insurance can do sentinel direct compensation, buy insurance elsewhere can do.

Fixed direct compensation "free repair" claims without owners spend a penny, but the reporter in a 4S shop to see a "customer vehicles on the flow of direct compensation provisions designated" shows: "dangerous condition of the vehicle after the report, 4S shop can Direct damage survey and issue a single set loss, the insurance company to assess the damage recognition (ie, nuclear damage) after, 4S shop to start internal job maintenance, beyond the scope of the damage amount by the customer pays fees. "which referred to" self- pocket "is how to solve it? Completely free and how to achieve it?

After the owner of the vehicle in dangerous condition, 4S stores are usually out of the high cost of repairs, was more outrageous in the high case, the insurance loss can not be set so high, there will be a greater "balance", 4S shop a commitment not to allow owners to spend money, but to think of something. He said that the vehicle concerned will take some "alternative" approach, that is by increasing the dangerous condition of the item to resolve claims accessories, Mr. Liu's situation may be bashed the door, then put the mirror removed to make up the bad, along with the damage claims, to assess the damage and then after a good mirror back together, thereby to make up the difference. "These tricks insurance companies also understand, but sometimes hard to detect."

But the industry said, for this "free" repair, the owner itself there are certain risks, such as some types of insurance can apply for a one year only once or twice, if previously to fill a "difference" has been false to repair plant used, which may result in a truly dangerous condition after the owner can not re-claim.

Kero  Throttle Body  reminder: "free repair" looks beautiful, but for the owners, the biggest loss is this: the first year because 10% of the premium, the second-year high of 20% in the third year high of 30%.