The analysis is as follows:
1. Only compulsory insurance is compulsory in auto insurance, while commercial insurance covered by all risks is additional. No organization, unit or individual may force the owner of a motor vehicle to buy insurance at a designated place.
2. However, in reality, when many users buy new cars, 4S stores will try their best to promote auto insurance and even force car owners to buy insurance. The usual method is that if they don't buy insurance in 4S stores, they can't issue invoices.
This behavior of 3.4S stores belongs to compulsory tying insurance, which is illegal. This kind of behavior is forbidden by the state.
4. According to the relevant laws and regulations of our country, buying commercial insurance belongs to consumers' independent behavior, and 4S stores cannot use any form of bundled sales model to infringe consumers' independent choice.
Extended data
automobile insurance
Motor vehicle insurance generally includes compulsory insurance and commercial insurance, and commercial insurance includes basic insurance and additional insurance. The basic risks are divided into vehicle loss insurance and third party liability insurance, vehicle theft and emergency rescue (theft and emergency rescue) and vehicle personnel liability insurance (driver liability insurance and passenger liability insurance).
Additional risks include glass breakage insurance, scratch insurance, spontaneous combustion loss insurance, water-related insurance, no-fault liability insurance, vehicle cargo drop liability insurance, vehicle stop loss insurance, new equipment loss insurance, special insurance without deductible, etc.
Glass breakage insurance, spontaneous combustion loss insurance and new equipment loss insurance are additional risks of body loss insurance, and these additional risks can only be insured after vehicle loss insurance is insured.
Vehicle liability insurance, no-fault liability insurance, vehicle cargo drop liability insurance, etc. It is an additional risk of third party liability insurance, and these additional risks can only be insured after the third party liability insurance is insured; Each risk can be insured independently without deductible.
Compulsory Traffic Accident Liability Insurance for Motor Vehicles
The full name of compulsory insurance for motor vehicle traffic accident liability is the first compulsory insurance system implemented by national laws in China.
The Regulations on Compulsory Liability Insurance for Motor Vehicle Traffic Accidents [hereinafter referred to as the Regulations] stipulates that compulsory insurance is compulsory liability insurance for insurance companies to compensate victims of road traffic accidents caused by insured motor vehicles within the limits of liability.
Compulsory insurance can be surrendered under the following six circumstances: the insured motor vehicle is deregistered according to law; The insured motor vehicle stops driving; The insured motor vehicle is confirmed to be lost by the public security organ;
The applicant repeatedly applies for compulsory insurance; The insured motor vehicle is resold, transferred or sent to a place other than the vehicle registration; The new car was taken back by the seller due to quality problems or the traffic control department refused to come to the door because the relevant technical parameters did not meet the national regulations.
Reference source: Baidu Encyclopedia: Motor Vehicle Insurance