近日，部分地区出现机动车车主在为车辆投保商业车险时，被误导购买了"交通安全统筹"的案例。销售 交通安全统筹的公司，常常使用与正规保险公司相近的名字来混淆视听，在销售过程中以低价、赠送礼 品、等同保险等方式诱导车主购买，令广大车主难以识别风险。 针对这一现象，日前，交通运输部、公安部、市场监管总局、金融监管总局、中华全国总工会等五部门 办公厅联合印发了《关于规范交通安全统筹有关事项的通知》，对交通安全统筹进行规范。中国保险行 业协会、湖北金融监管局等也就交通安全统筹发布相关风险提示。 对于如何分辨交通安全统筹和正规车险，消费者可向保险公司确认车险保单信息，也可通过"金事 通"App查询名下合法有效的车险保单信息。 市场监管总局的数据显示，全国已登记注册的经营主体中，经营范围中含"机动车统筹""车辆统筹""交 通安全统筹"等内容的经营主体共826家，其中只有11家具备道路运输经营资质，其余均为交通运输企业 之外的机构。 交通安全统筹的价格通常相对较低，业务员将"低价"作为吸引消费者购买的一种手段。多位曾被误导购 买过交通安全统筹的车主向记者表示，业务员开出的报价比正规保险公司商业车险的报价低。 如何辨别交通安全统 ...

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].