多地密集警示车辆统筹风险，告别“伪保险”靠什么

Core Viewpoint - A regulatory crackdown on "vehicle coordination" business is underway, with multiple regions issuing risk warnings regarding illegal operations in the motor vehicle "traffic safety coordination" sector [1][3]. Regulatory Environment - Insurance business must be conducted by legally established insurance companies, and unauthorized organizations or individuals are prohibited from operating insurance activities [3]. - The Jilin Financial Regulatory Bureau highlighted that some motor vehicle "safety coordination" services may be handled by unauthorized entities, posing illegal operation risks [3]. - The Tianjin Financial Regulatory Bureau advised consumers to be cautious about motor vehicle "traffic safety coordination" services, clarifying that these services are not insurance and do not fall under the supervision of financial regulatory authorities [3][4]. Market Dynamics - The "traffic safety coordination" mechanism, originally an internal mutual aid system for transportation companies, has been misrepresented as "quasi-insurance" products by some organizations, leading to numerous consumer disputes [4]. - The number of vehicle coordination companies has surged, accumulating significant social risk, with potential for instability if these companies fail [4]. Consumer Complaints - The China Consumers Association reported that "vehicle safety coordination" has become a complaint hotspot, with cases of misleading advertising and difficulties in claims and refunds [4][5]. - A specific case highlighted a consumer being misled into purchasing a coordination service disguised as insurance, leading to issues with refunds and legitimacy of the service provider [5]. Recommendations for Consumers - Consumers are advised to verify the qualifications and legality of institutions when purchasing vehicle insurance, particularly those with terms like "coordination," "mutual aid," or "automobile services" without insurance licenses [5]. - It is recommended to be wary of sales traps and low-price inducements, as coordination products often have lower premiums but may transfer risks through higher deductibles and limited coverage [5]. Industry Response - The Jiangsu Insurance Society suggested that insurance companies should promptly terminate any business relationships with coordination organizations and adapt to the demand for vehicle insurance arising from the cleanup of coordination services [5].