When purchasing car insurance, avoid blindly pursuing discounts.

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The quotes for car insurance from different companies can differ by thousands of yuan; one must not blindly trust low rates; in cases of "no-fault exemption," legal action is recommended.

Mr. Lu Lingjun has been driving for seven or eight years. Due to increasing traffic congestion in Beijing, he has driven less during workdays in recent years and mostly drives on weekends to travel with his family around Beijing.

Because of his cautious driving, Mr. Lu Lingjun has had relatively few traffic accidents. However, during previous accident claims, he also experienced some unpleasantness. "Once, I was rear-ended, and eventually, it led to an argument. At that time, I called the staff from my car insurance company, and at the scene, their staff believed it was the other party's responsibility and should be compensated by the other party or their insurance company. The whole process was not very pleasant."

"No-fault exemption" protects traffic violators; legal action is suggested.

A lawyer stated that the clauses in the contract agreed upon by the insurance company, such as "compensation according to liability ratio" and "no-fault exemption," belong to unilateral format clauses made by the insurance company and there is suspicion of exempting its own responsibilities.

The "no-fault exemption" clause undoubtedly protects the interests of those who violate traffic laws. That is to say, the interests of drivers who violate traffic rules are protected, while the interests of law-abiding drivers cannot be safeguarded. Even if they have insured comprehensive coverage, they still cannot receive compensation from the insurance company they have insured with.

In response to this issue, many car owners involved in traffic accidents, even when they bear no responsibility, hope that the traffic police assign the responsibility to themselves so as to obtain more compensation from their own insurance company.

Significant differences in insurance company quotes; fewer obstacles for claims through 4S stores.

"I have a neighbor who works for a certain property insurance company, so later I took out car insurance with their company. Because of having someone familiar, the subsequent claim processes were smooth, and my neighbor handled the procedures for me, saving a lot of trouble," Mr. Lu Lingjun remarked. "If I didn't have a familiar person, I might have taken out car insurance from a 4S store because after each accident, the vehicle is usually repaired at a 4S store. Taking out car insurance there would definitely make the claim process more convenient."

Many car owners share the same thoughts as Mr. Lu Lingjun. Although the discount rate for renewing car insurance at a 4S store is not as good as through other channels, if you buy car insurance at a 4S store where your vehicle is frequently repaired, you often encounter fewer obstacles during the claims process.

Wang Yue, a car insurance staff member from the aforementioned 4S store, said that the choice of purchase channel affects the car owner's claims experience. If one pays attention to some details during the insurance purchase, risks related to difficult claims can be well avoided.

"Some irresponsible insurance companies recklessly use price wars, reducing car insurance costs to extremely low levels, even below what other insurance companies consider the cost price. If car owners blindly pursue price discounts, they may encounter difficulties during claims," said Mr. Lu Lingjun.

"Every year, around the time for renewal, I always receive many text messages from various insurance companies. There are significant differences in their prices. For my 100,000-yuan car, the quotes between different companies can differ by over a thousand yuan," said Mr. Lu Lingjun.

For long-distance freight drivers, sometimes they face more troubles, such as traffic accidents happening in remote areas where insurance surveyors find it hard to arrive promptly. Experts suggest that in such situations, car owners should take panoramic photos, directional photos, and detailed photos of collision areas with their mobile phones or cameras for future claims.