通常来说，假车险指的就是统筹车险 最近"假车险"相关的新闻三天两头上热度，问了一下从业小伙伴，也有不少没接触过的。所以我们就萌生了做一期解读和科普的想法，希望能帮大家避坑。 本篇内容来源于车fans团队一位负责新车代买的小伙伴，他朋友最近买车险就差点被骗。 据说还有个正式名称叫：机动车辆安全统筹，起源于2012年，当时的历史背景是运输公司为了提高抗风险能力，开始自己做保险。对于营运车辆来说，正规的保险 费用很贵，而如果由大型运输公司来做，且只面向挂靠在自己公司的车辆，不仅费用低，还均摊了风险，大家每年交的费用也能支付偶然的事故赔偿。 当然，这是对大公司而言，而如果是小的运输公司，可能一起大事故都扛不住，就直接跑路了。 假车险的玩法是怎样的？ 首先，他们不做新车保险，因为现在的汽车消费市场环境下，用户买车第一年的保险大概率就在门店购买了。 其次，他们只卖商业险，或者连带交强险的话，交强险是会出真的，毕竟法规相关，这个没法作假。 这些假车险机构有门路买到大量用户信息，随后将采取电话保险的模式来推销续保。当用户到了需要续保的时期，恰好接到他们的电话，会发现报价异常便宜，假 设正规保险保费是5000块，那么假车险的报 ...

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]