where amazing happens..... 2

Last week, I meet a accident, 3 days after the crash, my insurance company inform me that my car is a total loss. That really confuse me, anyway, insurance company is really cool. The total loss claim settlement is very good, even the amount is higher than the amount that I bought the car. I told some friend about this. They said it's unbelievable. It sounds like a American dream. This situation will never occurs in China. "The insurance always give you the limited compensate. They focus on how to maximize their profit." A friend who has a experience with the accident claim in China said.

Why the situations so different in these two countries? How the differences come out?

As some Americans said, the insurance company not always so easy to deal with. In my case, my car is fixable, but it will cost the insurance company more money than they expected, they don't want to do this. They pointed this case a total loss, and give me the settlement based on the blue book value. It maybe higher than the real value, but it saving a lot of time and labor to inspect the car. Also, the fast settlement make the client satisfied with the company's work. Although in one case, the insurance company will faced a loss. But they will receive a long-term success. Because the client would not get accident everyday.

In my opinion, the Chinese insurance company has a short industry chain, they only want to decrease their loss by cut the compensate amount. But in America, after give the client the compensate, the company can sell the car to some body shops, they can use some parts to fix another car. It makes some profit. At the same time, when the insurance agent give me the check, he also give me a list that their recommend cars that almost like my total loss auto. This is a nice work, If the client buy the car from the list, they can get reward from the dealer, it also makes profit. Last but not least, with satisfied with the insurance company's services, the client will be the long-term client of the company, that contribute a lot to the company's long-term success.


After that, I bought a car yesterday, it is a Saab 9-3, a safety vehicle. I hope god to bring good luck.