保险业协会提示：交通安全统筹非保险 对外销售违规

Core Points - The China Insurance Industry Association issued a risk warning on July 29 regarding illegal traffic safety mutual assistance, clarifying that it is not insurance and is limited to internal mutual assistance within companies [1][2] - There has been an increase in disputes due to the misrepresentation of traffic safety mutual assistance as commercial insurance by certain entities, harming consumer rights [1] - A notification was released by five departments to regulate the operations of traffic safety mutual assistance [1] Summary by Sections Definition and Nature of Traffic Safety Mutual Assistance - Traffic safety mutual assistance is initiated by transportation enterprises aimed at enhancing their risk resilience, and it is a non-operational industry mutual assistance behavior limited to the enterprise's own vehicles [1][2] - Any organization is prohibited from offering traffic safety mutual assistance to unspecified vehicles [1] Risks and Consumer Awareness - The insurance industry association emphasizes that traffic safety mutual assistance is a non-insurance mutual behavior, and illegal operations under this guise pose significant risks [2] - Vehicle owners are urged to enhance their risk management awareness and carefully evaluate their insurance needs before participating in any mutual assistance programs [2] Verification and Support for Consumers - To assist vehicle owners in distinguishing legitimate insurance products, the insurance association recommends consulting the official customer service hotline of insurance companies to verify policy information [2] - The insurance industry has launched the "Jinshitong" app to help vehicle owners check the validity of their insurance policies and ensure they are covered by legally qualified insurance companies [2]