01 瞄准痛点的承诺，难以兑现 不管是为了制造宣传噱头还是真心实意为消费者着想，车企有关服务和售后的承诺，无一不是精准瞄向了消费者购车的焦虑和痛点。 在调价频繁、老车主恐惧背刺、持币者只敢观望的畸形业态下，深蓝S09的一年保价政策无疑是一颗强效定心丸；别克E5的零自燃承诺，一针见血地指向 了消费者对新能源电池的安全焦虑；在辅助驾驶成为社会焦点之际，智驾保险为消费者提供了极大的心理安慰；三年内保值回购，让消费者不再纠结于保 值率；此前多个车企推出的终身质保，则由主机厂直接为汽车的"后半生"上好了保险。 "（智驾保险）239元/年 至高补偿100万元。""高保值承诺 全新XX车型用户，自购买之日起，置换同品牌车型，最高可享，一年90%保值回购。""限时购 车享终身整车三电质保。" 看到以上承诺，各位读者是否心动？如果心动了，那就要做好要求兑现承诺时，厂家的处理结果无法达到心理预期的准备了。 新车上市，各类利好的权益令消费者眼花缭乱。听完销售的宣传话术，厂家的诚意几乎扑面而来。但只要稍微研究一下合同的细节和宣传海报的小字，或 者上网检索一下相关权益的售后案例，便能察觉其中蹊跷：货不对板的文字细节，玩弄文字游戏的小把 ...

Core Viewpoint - NIO has introduced a clue collection feature in its official app to address the misuse of its free battery swap rights, highlighting the risks and challenges within the electric vehicle industry [1] Group 1: Company Actions and Responses - NIO emphasizes that certain rights, such as warranty services and free battery swaps, are limited to personal non-operational use, reflecting a need to manage user expectations and rights [1] - The company is facing significant financial pressure due to the misuse of its battery swap rights, which has led to an 80% year-on-year increase in losses in its battery swap business, with an annual deficit reaching 1.2 billion yuan [1] - NIO is taking decisive measures to address the misuse of rights, but faces challenges in accurately defining misuse without negatively impacting compliant users [2] Group 2: Industry Implications - The misuse of rights in the electric vehicle sector serves as a warning for the industry, as attractive policies like "lifetime warranty" and "free charging" can become burdensome as market penetration increases [2] - The industry lacks a robust risk management system to match the scale of rights offered, leading to a governance dilemma characterized by "hands-off management" [3] - The crisis highlights the need for companies to balance user growth with the establishment of resilient rule systems to ensure the sustainability of their business models [3] Group 3: Recommendations for Improvement - Strengthening education on rights and responsibilities is crucial, as misunderstandings among users contribute to misuse [4] - The exit of national subsidies and increasing market competition are underlying factors contributing to the current challenges faced by the industry [4] - Companies must develop risk management systems that align with their business scale to achieve sustainable development, moving towards a high-quality development phase in the electric vehicle industry [4]

假车险再次显示在大众视野。6月8日，北京商报记者了解到，小米汽车近日发布的信息显示，如果车主在投保车险的时候遇到将"保险"表述为"保障"或"服 务"，且保费明显低于常规车险的情况，需要高度警惕。如有保险需求，请一定向具有合法经营车险业务资质的保险机构投保机动车辆交强险和商业保险。 据了解，新能源车主遭遇该类假车险的情况并不少见。相关服务保障产品一般被统称为交通安全统筹服务，并非保险公司推出的商业车险。那么，有车主将 车辆统筹误认为是保险的原因有哪些？又该如何识别？ 假车险再度引发关注 "最近我在投保车险，发现有的车险报价单上把'保险'写成'保障/服务'，保费价格远低于常规车险，这种情况能投保吗？"6月7日晚间，小米汽车微信公众号 发布最新一期答网友问称，如果车主在投保车险的时候遇到将"保险"表述为"保障"或"服务"，且保费明显低于常规车险的情况，需要高度警惕。 小米汽车称，近期，有用户拿着写有"机动车损失保障""机动车第三者责任保障"的"商业电子单"去找保险公司申请车险理赔被拒，因为该产品是由某汽车服 务公司提供的服务保障产品，不是由保险公司承保的正规商业险。 上述服务保障产品一般是交通安全统筹服务，属于交通 ...