Core Viewpoint - The article discusses the rising issue of "fake car insurance" and aims to educate readers on how to avoid falling victim to such scams [1][2]. Group 1: Definition and Background - Fake car insurance, also known as vehicle safety pooling, originated in 2012 as a way for transportation companies to manage risk by creating their own insurance for their vehicles [3]. - While large companies can manage this risk effectively, smaller companies may not be able to handle significant accidents, leading to a loss of trust in pooled insurance among truck owners [4]. Group 2: Characteristics of Fake Car Insurance - Fake car insurance typically targets the private car market, avoiding new car insurance as most buyers purchase their first-year insurance through dealerships [5][6]. - These schemes often sell only commercial insurance, with the mandatory traffic insurance being legitimate, making the overall offer appear attractive due to significantly lower prices [7]. - Fake insurance companies often mimic legitimate insurance firms in branding and communication, making it difficult for consumers to distinguish between real and fake options [7][9]. Group 3: Case Study and Pricing - A case study illustrates a significant price difference between legitimate insurance and fake insurance, with a legitimate quote being around 4,500 yuan and a fake quote around 2,000 yuan [11]. - The article provides a breakdown of service fees and coverage amounts, highlighting discrepancies in the terminology used by fake insurance providers, which avoid using the term "insurance" [12][13]. Group 4: Claims Process - Fake car insurance does provide some form of claims processing, but it is often subpar, with low-cost repairs being prioritized and slow processing times [16]. - In cases of significant claims, customers may find it difficult to receive any compensation, as these companies often become unresponsive [16][18]. Group 5: Consumer Protection and Advice - If a consumer inadvertently purchases fake car insurance, the article advises reporting to the police rather than the insurance regulatory body, as the latter may not be effective [17]. - The article suggests that consumers should be vigilant and utilize legitimate platforms or local agents when purchasing insurance to avoid scams [23].

Core Viewpoint - The rise of fake car insurance has become a significant concern, particularly for electric vehicle owners, who may confuse service products with legitimate insurance policies [1][3][4] Group 1: Identification of Fake Insurance - Fake car insurance often uses terms like "guarantee" or "service" instead of "insurance," and the premiums are significantly lower than standard car insurance [3][4] - Many consumers have mistakenly believed that service products, such as "motor vehicle loss guarantee," are legitimate insurance, leading to denied claims when seeking compensation [3][4] - The contracts associated with these fake products are not legally recognized as insurance contracts and lack the protections afforded by insurance law, increasing the risk of claim denial [3][4][5] Group 2: Consumer Awareness and Identification - Consumers should be vigilant and recognize that legitimate insurance policies are issued by licensed insurance companies, while fake policies often come from service or logistics companies [4][5] - Payment for legitimate insurance is made to the insurance company's official account, whereas fake insurance may involve payments to non-insurance entities or individuals [4][5] - Verification of insurance policies can be done through official channels or apps, which is not possible with fake policies [4][5] Group 3: Regulatory and Industry Response - Regulatory bodies need to enhance qualification reviews and legal frameworks to combat illegal operations in the insurance sector [6] - The insurance industry should promote self-regulation and improve consumer education to enhance risk identification capabilities [6] - The introduction of the "Car Insurance Easy to Insure" platform aims to facilitate the insurance process for electric vehicle owners, ensuring they can access legitimate insurance options [8] Group 4: Innovations in Insurance Products - Electric vehicle manufacturers are increasingly integrating insurance services into their business models, offering unique products that combine insurance with additional services [9][10] - Companies like BYD and NIO are developing innovative insurance products that leverage their technological advantages and provide comprehensive coverage [9][10] - Despite the advancements, challenges remain in defining responsibilities, data availability, and consumer understanding, necessitating collaboration and talent development within the industry [10]