Car owners want to buy insurance, but found by lock insurance companies and other prevarication resp viper12a

The owner wants to Car Buying found insurance is "locked" insurance companies to shirk their responsibility insurance expires, Ms. Cheng people are ready for the car to buy insurance, but were told that their car insurance has long been a staff member of the PICC ahead of the "single lock", if not unlock will not make a purchase. What is the purpose of PICC (hereinafter referred to as "PICC") without any authorization? What does "lock list" mean? The car has been opened for nearly 1 years, and the auto insurance will expire in November 25th. So, a friend of the insurance company is contacted by a friend and ready to buy insurance for the next 1 years. In November 13th, when the salesman gave Ms. Cheng a single, the system showed "repeat insurance". The original insurance policy has been insured "lock list", the car has been stored in the pre confirmation records, the insurance period is November 26, 2016 00:00 – November 25, 2017 23:59. The salesman said, "lock list", he can not operate, must be unlocked after the line." In this regard, Ms. Cheng puzzled all at sea, "single lock" is the first time I heard, what Paul without her consent without the "lock", and what is the purpose of doing so? According to Ms. Cheng introduced, there are a number of insurance company salesman call last month, they sell insurance, but she did not confirm the PICC also sent two messages, one to inform its last year’s insurance purchase amount is 6000 yuan, the other is the vehicle insurance will expire in November. Do not explain the reasons but continue to sell 14 at about 1 p.m., Ms. Cheng made a telephone complaint to the person, the answer is if you do not buy, you can revoke, "can undo is one thing, but I want to know is why there is no contact on the ‘lock’?"" On the morning of the 15 day, Ms. Cheng received the information of PICC and asked if anyone had handled her complaint. If she didn’t reply to "1", Ms. Cheng replied "1" according to the operation". After receiving a claim to be Yangpu PICC salesman (work number 1231130058) calls. The salesman called it the policy of locking Ms. Cheng, but did not explain why the "lock list", but strongly recommend their company’s insurance policy, and put forward a number of favorable conditions. "Why did you lock my insurance policy and didn’t ask me before? How did I get my information?"" Ms. Cheng questions. In this regard, the other party said, others let him do insurance orders amount, and let him "lock"". "Who made the lock?" Ms. Cheng asked. In this regard, the salesman avoided and said: "you have no loss, no loss, I help you unlock, cancel the order just fine."." The clerk again to evade the crucial point Ms. Cheng very angry, in her opinion, "if the people’s Insurance in insurance before the expiration of one or two days I unlocked it, too late to go to another company insured. And there have been several insurance companies contacted me before, each of the concessions are not the same, because of the unauthorized protection of the "lock" behavior, resulting in I can not be insured, this is not a loss?" Finally, under the strong request of Ms. Cheng, the above-mentioned staff members were cancelled

车主欲购车险却发现被“锁单” 保险公司等推诿责任 车险即将到期,市民程女士准备为爱车重新选购车险时,却被告知其车险早已被人保财险公司的一名业务员提前“锁单”了,如不能解锁将无法进行购买。没有任何授权就擅自“锁单”,人保财险公司(以下简称“人保”)的目的又是什么?“锁单”又意味着什么?已在人保存在预确认记录程女士的车开了近1年,车险即将于11月25日到期,于是通过朋友联系了一家保险公司业务员准备购买接下来1年的保险。11月13日,该业务员在帮程女士出单时,系统却显示“重复投保”,原来其保单早已被人保“锁单”,该车已在人保存在预确认记录,保险期限是2016年11月26日00:00—2017年11月25日23:59。“业务员说,‘锁单’后他就没办法进行操作,必须要解锁后才行。”对此,程女士丈二和尚摸不着头脑,“锁单”一词还是第一次听说,人保凭什么未经她同意就擅自“锁单”,这么做的目的又是什么?据程女士介绍,上个月有多家保险公司业务员打来电话,推销他们的保险,但她都没有确认,其中人保也发来两条短信,一条告知其去年的保险订单购买额度为6000元,另一条则是其车辆保险将于11月份到期。不解释原因却继续推销14日下午1点左右,程女士向人保进行了电话投诉,得到的答复是如果不买的话可以进行撤销,“能够撤销是一回事,但我更想知道的是为什么没有联系就‘锁单’?”15日早上,程女士又接到了人保的信息,询问其是否有人处理了她的投诉,如没有请回复“1”,程女士按照操作回复了“1”。之后就接到了自称是杨浦人保业务员(工号1231130058)的来电。该业务员称就是其锁了程女士的保单,但是并没有解释为何“锁单”,反而极力推荐自己公司的保单,并提出了不少优惠条件。“你为什么要锁我的保单,事先也没有询问过我,怎么获得我的信息的?”程女士质问。对此,对方表示,别人让他做的保险订单额度,并让他“锁单”。“是谁让锁的?”程女士追问。对此,该业务员避而不答,还满不在乎地说:“你有没有损失,没有损失我帮你解锁,撤销订单就好了呀。”业务员一次次避重就轻令程女士非常气愤,在她看来,“假如人保在我车险到期前一两天才取消锁定,那我就来不及去别家公司投保了。而且之前有好几家保险公司联系过我,每一家的优惠都不一样,因为人保的擅自‘锁单’行为,导致我无法投保,这难道不是损失吗?”最后在程女士的强烈要求下,上述工作人员才取消了保险锁定。各方“踢皮球”不愿担责尽管杨浦人保业务员承认“锁单”是其所为,但是谁指使他这么做的?保险公司的操作方式究竟是否合法?自己的信息是如何泄露的?程女士心中的疑惑越来越多。对此,人保的工作人员解释,业务员如需建立保单,需要提供车主的个人身份证信息及车辆行驶证信息等。最初是一家叫唯佳的经纪公司拿了程女士车辆的信息,叫人保杨浦支公司帮助购买保险,公司才安排了业务员跟进,从而形成了“锁单”。记者随后又联系了唯佳经纪公司,一名不愿透露姓名的工作人员解释,公司与多家4S店有合作,平时的流程是4S店提供顾客的信息后,就直接向保险公司下单。“我们是接到4S店的信息后才会操作的,这中间可能产生了误会。我们不会强买强卖的。钱在顾客手上,还没付钱,保单也出不来。”程女士购车的4S店则表示,程女士的车辆保单去年就是通过该店购买的,今年也曾进行过资询,也表示过想购买人保的车险,可能是工作人员在操作上存在失误,在没有确认的情况下,提前准备下单造成。“锁单”前,业务员无需向车主进行电话确认吗?对此,人保工作人员表示,自推出“电话保险”后,在信息安全的情况下,允许业务员进行预操作,但需收到支付款后才能正式“出单”,并通过短信的方式通知客户。“公司有明文规定,不允许为拉业务私自‘锁单’,如查实公司会进行处罚。”[业内揭秘]“锁单”并不鲜见,实质是违规占单何先生是一家知名保险公司车险部门的负责人,据其介绍,“锁单”在业内被称为“占单”。“一个客户可能会有好几家公司的业务员来联系,但其中的一个在保险系统里暂存好了保单,然而,一旦交强险被存单锁定后,其他保险公司业务员就没办法再做了,如此就可以减少竞争,把业务拿到自己手里。”何先生解释,近年来车险业务成为各家财险公司竞争的焦点之一,为争抢业务而产生的违规行为花样繁多。财险公司通过各种渠道获得车主的核心信息,从而在交强险平台提前出单,“迫使”车主在自家公司投保。车主虽然可以要求撤单,但肯定不是一个电话就能解决,因此大多忍气吞声就此投保,由此产生的投诉时有发生。“前几年这种情况相对多点,现在保监会查得严,而且保险公司也抓得紧了,‘锁单’相对少了许多。”何先生说。那么,怎样保护个人信息避免遭遇“锁单”呢?何先生表示,在车险询价过程中,只需要告知车型、车龄、理赔记录以及所需险种即可,完全不用告知自己的身份证号码等信息。“如果车主在投保时遇到了被‘锁单’的情况,除可向相关保险公司进行投诉外,还可以向交强险平台进行投诉,并要求‘锁单’的保险公司进行撤单。”[律师说法]故意“锁单”侵害消费者自由选择权北京观韬中茂(上海)律师事务所律师葛志浩认为,“锁单”的行为,看似没有给消费者带来实际上的损失,但此行为已涉嫌侵害了消费者的自由选择权。“锁单”没有得到消费者的确认首肯,还给消费者的自愿消费过程造成了阻碍。“如果车主是在保期的最后一天才发现此情况,造成无法即时完成新的保单购买,在此期间又发生意外的话,那车主完全可以向‘锁单’的保险公司及业务员追责。”葛志浩举例说,有家保险公司的业务员,利用不能重复办理交强险的规定,在没有通知确认的情况下,提前给车主出了保单,再行向车主要钱,遭到了拒绝,最后只能走退保手续。而退保后个人记录会发生变化,不能享受无赔付续保的折扣优惠,最后业务员和保险公司均被告上了法院,车主赢了官司。“一方面,车主要保护好个人信息;另一方面,从道德角度来说,保险公司‘锁单’后如被消费者发现,势必会产生不信任感,所以靠‘锁单’的做法增加业务,也许会丢失更多客户。” 这个车险不买不行 你知道原因吗? (该视频仅供延展)动动手指,随时查询交通违法! 扫一扫下方二维码,关注腾讯大申网! 欢迎关注腾讯大申网微信(微信号:dashenw)相关的主题文章:

The closing ceremony at the dawn of the beta! The ol very exciting play www.40sqw.com

The closing ceremony at the dawn of the beta! The "OL" very exciting play Sina games –   by the network element’s Shanghai Shengtang candle dragon development, togetherness era and the element of joint operations "San Tang Qi Tan network edition" open beta has been more than ten days, the test will be in August 31 sunset under the curtain, let us review the game exciting gameplay. Near the end of the closing ceremony at the beta invites you to the carnival in August 31st, Qi OL dawn beta will come to an end. Thanks for the support of the OL game player Qi, Qi OL prepared the closing ceremony, let the game player feel close together before taking the Qi OL carnival night in this test. "Qi Tan network edition" full closing night celebration invitation experience is believed to have involved in the full closing ceremony are invited to experience the game player, remember the night of the fireworks Yunzhou step. This time the closing ceremony will be held in Baisha wave dance scene. The day of the wave dance Pak is blue sky and white clouds, accompanied by bursts of breeze, the night will be like? The "wave dance scene in August 31st Bai Sha Qi Tan network edition" activities during the day, at noon that day 12:00, laomeng will become a welfare officer "laomeng" appeared in wave dance scene in Baisha, laomeng free game player to buy a large number of rare foreign clothing and props, and without any restrictions on the purchase and consumption. The afternoon of August 31st 18:00-19:30 official, "call me old K", "big mountain", "egg fork uncle", "play" and "Lester" will participate in the team game player arena, battlefield, more official team VS game player’s game. "Qi Tan network edition" full closing celebration invited to experience the battlefield PK friendly last night in the Customs Service official will come to wave dance Pak, with flying lanterns for the future, jointly lit the fireworks. "Qi Tan network edition" full closing ceremony fireworks feast invited to experience activities you participate in, find fairy cloud piaofeng swords OL quest bucket Xian Xia world, in addition to a road Hangxiazhangyi the demon slayer, in the vast world, there are many interesting things easier for you to accomplish. During this time the dawn in the game open beta, "Dragon Star" Chushu festival celebration "," multiple activities, including wind and cloud bucket digging treasure, fishing contest, fun gameplay has been popular game player. Enter the "wave dance scene in Baisha" step Yunzhou main city, will have the opportunity to participate in activities to obtain a large number of game rewards and the surrounding gift. 1, fighting wind cloud here, you will be in a copy of the fight scene and acquisition run in very practical "three jump", between the stone and the obstacle through the beach collecting spirit ball, show your elegant Xianjia style agile skill. "Qi Tan network edition" fun gameplay fight between the cloud piaofeng activities open daily 12:00-14:00 and 19:00-23:00, each game player can enter five times a day. After entering the scene, there will be 30 seconds of preparation stage, this time you can see the location of the spirit balloon around the body to touch the spirit of the balloon in the map, the red for the 5 points, blue for the 10 points, purple for the 30.相关的主题文章:

From the shallow purple gold to dark color Song Jia a mobile short textbook kimi wo omou melodi

From the shallow purple gold to dark color Song Jia: a mobile short textbook lead: who says Song Jia short ugly, as the "coat hanger" walk, our teacher had flowers have two faces, the attack switched freely, now not only hair color change, the model is more fashionable new height, it not handsome to a friend! (source: PClady) regression from shallow purple to deep golden color, Song Jia hair promotion textbooks just a month ago but Song Jia short hair is scolded too horrible to look at, playing strange hair color but recently obediently dyed the hair black hair, back to the fashion position of icon. Whether it is overbearing president wind still gentle light by Song Jia Cougar, short hair can all fix, called the entertainment short textbook ah ~ Song Jia has always been to long hair style appearance of Song Jia suddenly changed into a handsome boy hairstyle, micro-blog sun a blonde also let users refer to is not suitable for! Cool light blond color, in the fringe, clearly is a handsome 90 fashionista, but after all, this kind of not harmonious other black hair a bad low off! Although users have short hair style of Song Jia mixed, but had to admit that Song Jia is playing, personality! Shortly after Song Jia, officially unveiled at an event, the top dream purple hair color, some people can’t accept, before the atmosphere became so fashionable goddess net red style. Song Jia, however, enough to play the hair dyed Song Jia finally dyed black hair, and the value of this dye instantly rebound, temperament greatly increased! This straightforward yet feminine bangs hair, with geometric sense tailoring with fashionable texture, showing a messy style short hair, long bangs eyebrows also played the role of modified face, neck and shoulder word collocation curves show, give out! Song Jia, who said big head is belong to the male god, Song Jia is head of oil and gas field full, one in the posture! All-back a short handed offensive personality, with wet hair styling products to create texture, delicate and fashionable, for plaid shirt, as boyfriend just like the wind, like soft, for Song Jia’s ROCK adolescent temperament plus a lot of points. Song Jia black points is not only suitable for long hair, short hair is also unique flavor, Song Jia’s oil head less cute, more mature, with a full intellectual charm, like through non transparent collocation gown, a temperament. Song Jia popular return to retro, fashion week Song Jia this messy with the length of the long bangs is to play a level. Finely cut rich level, plus some natural curl, long bangs make a bit of sense of art, some gentle and uninhibited, with this special hair, Song Jia also took pains in the makeup, eye-catching silver liner to create a very modern eye makeup, with a hot pink lipstick stunning charm. Song Jia life short, partial of the hair to create a fluffy smooth and clean, before flying up natural shape, as if just wake up look, from the details of increasing the modern degree, with exquisite makeup and aura lip color, very suitable for the workplace OL. Song Jia how faint feeling cut short hair after the whole person at ease Song Jia!相关的主题文章:

When seven Fe 35mm domestic self artisan f2.0 lens evaluation pp点点通2006

When seven FE 35mm domestic self artisan F2.0 lens evaluation of either the field of digital IT, the relationship between manufacturers will be glued to the market demand and the development of electronic products has the potential to. But in recent years because of the strong rise of the single camera, directly to the high cost of full frame camera become numerous frame heart love party. But the fuselage is cheap, but the attendant problem is that the original lens will be super large and super expensive – which is contrary to the original intention of the lightweight portable single camera! So a variety of new and old lens transfer became part of the daily players. And today we want to evaluate the seven craftsmen FE 35mm lens, is the first work from the new lens R & D manufacturers in Shenzhen, the first seven craftsmen photoelectric technology. In the end it can with the original lens war? Whether to create a domestic lens legend? The following steps follow the author together and see what happened. Seven FE 35mm F2.0, a craftsman camera lens appearance: full metal craft factory strength almost seven craftsmen to enter the domestic image first choice 35mm F2.0 lens focal length is actually very clever. Many photography enthusiasts to predecessors, then after the purchase and use of the 50mm lens will sigh — as the hook head is always have this or that problem of narrow vision. 35mm wide angle zoom lens is known as the "can retreat back to defend the" God shot coke segment, regardless of portrait or landscape, can give people a "just right" feeling. While the seven craftsmen choose this focal length as the first pieces of R & D and production of the lens must also consider 35mm fixed focus rising popularity, although also can not join the autofocus function, but also is to open a "good start". PConline evaluation room this time to get a double version of the seven craftsmen FE 35mm F2.0 lens, first of all, we start from the packaging. Although the lens is not good enough to do a good job with the packaging, but for the Japanese market with the intention of the high density of electronic products, the packaging is beautiful, I think it is very important. Why? Because photography friends are already accustomed to foreign products of high level packaging and optical properties of more powerful, you let consumers now in the domestic products sold, naturally can not lose aura. Fortunately, the seven craftsmen photoelectric technology as a new brand, in the product packaging to do extra personality. Packaging is printed on the front side of the FE 35mm F2.0 lens optical structure, the company’s products and WeChat two-dimensional code are in the upper left and right. White box with two page clamshell design, the surface of the "seven craftsmen" three Chinese characters are very eye-catching. After the product packaging is open, the inside of the object at a glance. The lens body is tightly clamped by two black sponges, and the product is additionally provided with a product specification and a warranty card. Although the manual and warranty card is just a simple card, but the information contained (product introduction, maintenance methods) are written very clearly. The evaluation to get the hands of white + Black dual version, black version of a more traditional.相关的主题文章:

Cool night three years to eat dirt skin mask film. www.s9797s.com

Cool night three years to "eat dirt" skin mask film ah lead: with the first snow falls, the winter cold is also a new upgrade, increase the indoor temperature resulted in more dry skin grain is rampant, even though a variety of moisturizing coup, artifact together, also cannot pull the skin dry lines, rampant overnight old situation, so to stick to the skin contains natural moisturizing ingredients and mineral mud mask is the positive solution. (source: Ruili nets) cooling night three years to the skin "eat dirt" deposited mud film thousands of a mask ah why not less mud mud film film contains rich minerals, these minerals and trace elements are very important to help skin retain moisture, soothing and rough mud on muscle table skin metabolism. To do a good job of cleaning the skin, to avoid the eye, according to the inside out, from the bottom to the direction of the skin to cover the pores of the thinnest thickness of the mud mask smear on the face. And in the mask dry, but still retain moisture when clean. Mud film natural ingredients for the first time to be careful use of natural ingredients for the first time using mud film to contain natural mineral rich mud mask carefully, the skin is not acceptable, so the initial use of mud film, coated on the ear after 10-15 minutes after the wash the mud film. If there is no redness, itching and other allergic reactions can be assured. Skin care to eat also eat soil mud film after skin nourishing into mud mask after the skin clean, the skin is rich in minerals, the absorption of nutrients is more sensitive, choose light texture, moisturizing lotion is applied repeatedly, finger hard to click, with finger hard to click, more skin full add water. Forehead, chin, and so on, beat more than other parts of the longer, you can improve the skin absorption, so that the skin evenly absorb moisture, you can let the skin overnight return to the state of adequate water, quickly young back. ORIGINS activated carbon pore mask ORIGINS net through the net through the pores of activated carbon mask 200 yuan 75ml natural strong adsorption force, like a magnet like deep deep pores, fine oil absorption of dirt and impurities, purify pores; Chinese white clay, with powerful absorption for the skin, remove excess oil, dust and pollutants. And other impurities, to help smooth the skin, bright and transparent sense of reply. Natural mineral essence beauty volcano mud mask beauty volcano mud mask 72 yuan 100g from mud volcano, with excellent control ability, can effectively wash away the skin surface and inside the pores of excess oil, and remove impurities in the pores, make skin clean and meticulous, to prevent excessive oil secretion and the formation of acne, the skin looks after cleaning smooth and delicate, just like new. Innisfree mud volcano rock pore cleansing mousse Firming Mask Innisfree volcano rock mud pore cleansing mousse Firming Mask 140 cleansing mask containing more than 2 times of the mud volcano rock particles, and solve 6 big pores trouble, the porous structure of Jeju Island volcano mud rock large micro pore, make skin clean. Mamonde mud pore refining mask 109.相关的主题文章:

Our health doctor in love time to tell you exactly how good is it – Sohu maternal birth 高达08ms小队

Our health doctor in "love time" to tell you exactly how good is it birth – Sohu of the Jilin maternal and child education Radio "love time" program has invited the deputy director of the Jilin Guojian Gynaecological Hospital obstetric treatment area in this period as a brilliant guest, Yan teacher in obstetrics and gynecology in more than 30 years of professional, good variety of gynecological surgery, hysterectomy. Caesarean section, severe laceration suture surgery. This program focuses on the choice of the mode of delivery. The Yan teacher mentioned natural childbirth means usually say the birth, will choose delivery or caesarean section when vaginal delivery can not be made. To decide whether can natural childbirth maternal factors are many, including: labor force, fetal birth canal, and psychological factors. Natural childbirth is the mode of delivery the doctor is now advocating, in the ten years before the doctor will not introduce the advantages and disadvantages of natural childbirth and maternal cesarean section, so basically women will choose a caesarean section, it can reduce the pain caused by uterine contraction because prenatal. However, from the point of view of the child’s development, caesarean section will bring some bad effects, such as: ADHD, attention and other issues. States Yan teacher pointed out that children are on the one hand, but the most important thing is the maternal factors. When there are some complications of maternal, it is necessary to choose caesarean section. Our teacher said: Yan pregnancy to childbirth is the physiological instinct of women, women can directly absorb nutrients in natural production, the body recover quickly, simply, reduce the incidence of postpartum complications. The fetus through the vagina is the first time to experience their output in life opportunities, vaginal friction on the baby’s skin, making the baby neural development is perfect, and the respiratory and cardiopulmonary function development are very good. Some women is afraid of pain rather than natural childbirth, but a caesarean section is mainly postoperative pain, not normal eating and cannot be freely movable, the recovery time is very long, and easy to cause postpartum venous thrombosis and other complications of postpartum. In order to solve the natural childbirth pain, now the medical technology has been launched in labor analgesia in parturients and vaginal opening regular uterine contraction refers to the 3 that can be used with intrathecal injection analgesia, analgesic effect, suitable for severe pain of parturient. And maternal awake, can eat water, participate in the whole process of labor. When the program is nearing the end of the audience raised the question: the question: prenatal 1-3 months eating folic acid? The Yan teacher said: just eat folic acid is not enough, should also eat the kind of vitamins for pregnant women to ensure overall nutrition, the best selection of domestic production of folic acid with Chinese constitution. Two February 2015: Caesarean section, want a child, what time can be, if you want to natural childbirth to how long? The Yan teacher said: normal caesarean section for two years can try again when pregnant, but if you want it to do the full 5 years of trial production, to the hospital the examination indicators are qualified case, look at the case of uterine and uterine segment. I believe many people listen to the show for the birth of what was good heart.相关的主题文章: