為什麼不推薦在網上買車險 有什麼缺點
？

xianzaihulianwangbaoxianchanpinkeyishuoshiyuelaiyuduoyanghua
，henduorendouxuanzezaiwangshanggoumaibaoxianchanpin，danshibutongyuyibandejiankangxian
，henduorendoubuhuizaiwangshanggoumaichexianzheshizenmeyihuishi，xiamianyiqilejieyixia。

1.產品認知不全

zaiwangshanggoumaichexianhuiyudaozuidadeyigewentijiushiduichanpinderenshibuzu，yinweiwangshangshimeiyouzhuanmendebaoxianrenyuanlaigennijiangjieshenmexianzhong
，jutiyounaxiegongnengde，zhinengzijizhuomo，zhejiuhenrongyichuxianmaicuobaoxiandeqingkuang，chexianyeshiyiyang。

比bi如ru說shuo交jiao強qiang險xian是shi賠pei付fu第di三san者zhe的de人ren員yuan傷shang亡wang和he財cai產chan損sun失shi，由you於yu沒mei有you保bao險xian人ren員yuan跟gen客ke戶hu講jiang解jie
，就jiu會hui導dao致zhi客ke戶hu認ren為wei，我wo既ji然ran買mai了le你ni公gong司si的de保bao險xian
，現xian在zai出chu險xian了le
，保bao險xian公gong司si就jiu應ying該gai賠pei償chang。還hai有you比bi如ru說shuo購gou買mai了le全quan保bao
，很hen多duo人ren會hui覺jiao得de發fa生sheng事shi故gu時shi就jiu應ying該gai全quan賠pei，然ran而er在zai實shi際ji中zhong，全quan保bao不bu等deng於yu全quan賠pei。

2.理賠困難

網wang上shang購gou買mai車che險xian的de保bao險xian公gong司si大da部bu分fen都dou是shi小xiao公gong司si，在zai縣xian級ji城cheng市shi裏li沒mei有you營ying業ye網wang點dian的de話hua，出chu險xian後hou，會hui導dao致zhi事shi故gu不bu能neng及ji時shi處chu理li
，理li賠pei人ren員yuan到dao達da現xian場chang速su度du緩huan慢man，這zhe會hui讓rang理li賠pei增zeng加jia難nan度du
，也ye會hui使shi客ke戶hu覺jiao得de公gong司si在zai理li賠pei服fu務wu上shang是shi不bu專zhuan業ye的de。

3.山寨網站

wangshanggoumaichexian
，yishiyaozhaodaokekaodebaoxiangongsi，ershiyaozhaodaoanquandechexianxiaoshouwangzhan，xianzaiwangluodefengxianyeyuelaiyueda，youdehaichuxianshanzhaiwangzhan，yongyouhuidejiagerangwomenlaigoumaitamengongsidechanpin，dangwomenfashengjiaotongshigushi
，jiubuzailihuile。