保险业协会：交通安全统筹对外销售属非法违规行为

Core Viewpoint - The article highlights the regulatory measures taken by Chinese authorities to address the misuse of traffic safety mutual assistance programs, which have been misrepresented as commercial insurance, leading to consumer rights violations [1][2]. Group 1: Regulatory Actions - The China Insurance Industry Association reported that traffic safety mutual assistance is intended for internal use by transportation companies and should not be sold externally, as this constitutes illegal activity [1]. - A notification was jointly issued by relevant national departments to standardize traffic safety mutual assistance practices and combat illegal operations [1]. Group 2: Risk Awareness - Traffic safety mutual assistance is classified as a non-insurance mutual aid activity, and only licensed insurance companies are authorized to offer insurance products under strict regulatory standards [2]. - The notification emphasizes the need for consumers to enhance their risk management awareness and to carefully evaluate their insurance options before purchasing [2]. Group 3: Consumer Protection Measures - The insurance industry has implemented services such as a customer hotline and the "Jinshitong" app to help consumers verify the legitimacy of their insurance policies [3]. - A high compensation risk sharing mechanism has been established for high-risk electric vehicles, providing a platform for owners of electric trucks, taxis, and ride-hailing vehicles to secure adequate insurance coverage [3]. - The insurance industry association plans to increase awareness and education efforts to help consumers distinguish between legitimate insurance products and fraudulent schemes [3].