4S shop reminds car owners what text should be sent for help by SMS, or change the following.

The difference between 4S shop insurance and telephone auto insurance;

1, operation mode

Due to the centralized operation of telephone auto insurance, the cost is reduced, so we can often see advertisements of "more reduction 15%" in major media. From this point of view, there is really no advantage in opening an insurance store in 4 S.

2. Insurance method

In this respect, there is little difference between the two insurance methods. They confirm by telephone first, and then pay. There are also a variety of payment methods: credit card, cash, remittance or on-site service. The difference is that the 4S shop is more intuitive and has a professional team to provide face-to-face service.

3. After-sales service

After purchasing telephone auto insurance, if an accident occurs, the owner will be responsible for a series of links, such as reporting the case, attending the scene, determining the damage, and making claims. In the 4S shop, there will be a professional service team to guide and follow up the owners, and to ensure the support of the maintenance force and avoid worries.

4. Claim limitation

At present, telephone auto insurance promises to complete the settlement of small pure car damage cases within one day, but it is laborious for the owner to submit the settlement fee. However, the 4S shop is responsible for the follow-up work of claims, so it can save the owner's precious time.

5, repair parts

Take Mercedes-Benz for example. Repairing in the 4S shop can definitely guarantee that it is the original parts. Although it can also be repaired in 4S shop when the telephone auto insurance is insured, there is often a problem of the difference between the fixed loss and the actual maintenance cost, and this problem needs to be negotiated between the owner and the insurance company, and the time cost is much higher than the value when the insurance was originally insured.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.