How did the first beneficiary of all the car insurance become a bank？
In general, if you buy a car for full payment, the first beneficiary of your car policy is yourself。 But if you are a mortgage to buy the car, the first beneficiary of the policy must be your loan bank, and the car must be additional rescue。 It's not hard to understand, because before your mortgage payment, the ownership of the car or the bank, so once the car was stolen, the insurance company to the bank claims money is not controversial。 Yesterday, however, Mr Wang called us and said that he had encountered a strange phenomenon。 Clearly is the whole car to buy, but the first beneficiary of the policy was a bank, make their claims can't normal now, what's going on？
Mr Wang bought the glen SUV in December at the Mercedes - benz 4 s store in Taizhou, Luqiao, where the insurance for the car was also handled by the staff of the 4 s store。 Since he has bought a car at the store many times, Mr Wang is very confident about store 4 s, so he didn't check the policy carefully。
Owner Mr Wang: " the insurance policy I was called out didn't see who the beneficiary was, so I didn't find the problem。 This time the car out of the accident to claim, only to find that my first beneficiary is not me, is the bank of China。 " the
The whole car, but the first beneficiary has become the bank of China Taizhou branch, which is not only irrational, but also seriously affected the speed of auto insurance claims。 So far, more than 300,000 yuan of damage caused by the accident has been covered by Mr Wang out of his own pocket。 After carefully reading the policy with his friends, Mr Wang found another problem。
Owner Mr Wang: " I heard a friend say, I pay the full money you don't need to pay for the rescue, the more than 3000 yuan is overpaid, this is 4 s shop carrying you to do。 " the
Because the first beneficiary of the policy is a bank, once the car was stolen, all the reparations will also be transferred to the bank account, so Mr Wang think this kind of illegal rescue has no meaning for him。 So Mr. Wang has through communication with 4 s store customer service personnel, complaints Mercedes - benz China headquarters, Luqiao district consumer association and other ways to protect rights, hope to return for the purchase of stolen rescue generated more than 3000 yuan, and other project beneficiaries on the policy to yourself。 But store 4 s only agrees to refund part of the premium by about 1600, and to change the first beneficiary。
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