Pinduoduo is marked with "brand" black label. What guarantees does China Life have to be genuine?

Pinduoduo is marked with "brand" black label, while China Life Insurance is not necessarily genuine.

If you buy an iPhone 1 1 mobile phone on Pinduoduo, there will be a genuine insurance logo in a conspicuous place, and then you can see a serious insurance card. The average consumer may feel more at ease after seeing this insurance card and will not pursue it carefully. Most people's claims experience in life comes from auto insurance, with efficient traffic police and monitoring. It is also convenient for the division of responsibilities and claims in the event of an accident, and everything is handed over to the insurance company.

However, according to the observation and analysis of the insiders, the genuine insurance in Pinduoli is different, because its policyholders are Pinduoli and have little to do with consumers. In this way, if a fake product is received, the insurance company will not be obliged to be responsible to the consumer and handle the claim through Pinduoduo.

In addition, there is a "liability exemption" clause in the insurance contract. The claim process of genuine insurance requires consumers to do everything possible to prove that the goods are fake, and then they have to be recognized by many products before they can claim compensation from many products and many products can claim compensation from insurance companies.

In other words, all the decisions were made in Pinduoduo, and Pinduoduo failed to fulfill its legal obligation of genuine insurance, so it is generally useless for consumers to find an insurance company.

The treatment conditions advocated by Pinduoduo are a bit harsh:

First of all, the burden of proof lies with the buyer.

If you are in doubt about the goods you received, Pinduoduo requires you to provide evidence to "prove yourself", which is equivalent to being rear-ended while driving, but the traffic police requires that "you must install a driving recorder and provide all the videos yourself, otherwise we will regard the traffic accident as non-existent, or you will feel unlucky."

Secondly, an authoritative organization is needed to provide appraisal.

In Pinduoduo's words, to prove that the goods you buy are fakes, you need a third-party professional appraisal institution, which is basically a national institution or brand, and is subject to the agreement of the insured and the insurer in the insurance contract. How many normal people will spend a lot of time and energy on counterfeiting for hundreds of dollars?

Especially in some third-and fourth-tier cities, there are no corresponding appraisal institutions in the region, unless they go all the way to provincial capitals and other places, so most consumers can only admit that they are unlucky even if they know the fakes.

For many goods, the so-called appraisal is like the miss of Tik Tok. You know she has a beautiful face, but you'll never get a picture of her without makeup.