Car rental platform to start the first payment plan, user pain point how to solve

In response to the online platform leased vehicles rented by the tenant secretly mortgage, "treasure driving car Rental" in charge of the March 8, will be the owner of the loss of Ms. Zhang first pay, and later the platform leased vehicles stolen, can be first paid.

Before the Spring Festival, Ms. Zhang through the online car rental platform, "Treasure driving car Rental" rental car, a few days later found that the car was a tenant mortgage sold to a dealer, the police have been to defraud the case and chase the tenant, but the mortgage dealers refused to return the vehicle.

Car Rental platform start up payment plan

In response to Ms. Zhang's encounter, "Treasure driving car Rental" CEO Li Rubin yesterday, in the car owners and tenants before the transaction, "Treasure driving car" will strictly examine both sides qualification, in addition, will require tenants to buy a third-party peer-to-peer car liability insurance. Under the terms of the insurance, the insurance company will fulfill the claim responsibility according to the insurance clause when the vehicle is robbed in the process of renting.

According to Li Rubin, the theft of the situation, if in accordance with the procedures of the insurance company, in the vehicle has been set up for the theft of the state, the owner in the process of claiming claims often long time, generally need 2-3 months, this is mainly because of the need for police issued unsolved proof, insurance companies can start the payment process.

"Solve the time and claims for too long, obviously not conducive to stolen car owners emotional comfort, and even may let the owner of the platform to generate distrust, that the platform is to shirk responsibility." Li Rubin said that, because of this, "Bao driving car" has decided to pay for the loss of Ms. Zhang first, at the same time, the company also initiated the Advance compensation scheme, all the vehicles stolen during the lease period of the vehicle, can be paid in advance.

The platform may be open for payment upon written request

In response to the "Treasure driving car" first compensation, the owner of the car, Ms. Zhang said yesterday, has received the company's staff to verify the call, but it did not mention in the call to pay the matter, "I did not get the details of the payment, can only continue to wait for the results." ”

In this respect, Li Rubin said that even if the first payment by the platform, but also need to perform the corresponding procedures, such as the owner of the written request, so that the relevant business units to follow up, the early payment of compensation.

Yesterday, Ms. Zhang revealed that the registration status of her vehicle in Beijing was still in the state of robbery, "the police have not seized the vehicle." ”

The question of whether a vehicle in the state of robbery is to be withheld is not answered by Chaoyang police. Hebei Bazhouy Public Security Bureau, a staff member said, has begun to intervene in verification, the investigation will be announced after the relevant situation.

China Road Transport Association senior engineer, car leasing expert Zhang Yibing introduced, in foreign countries, there are special laws and regulations to protect the interests of the lessor, in the determination of the owner of the rental vehicle owners of the premise of infringement, there is a special law to support the owner of the car forced to get back, "such a premise is certainly not happen knowingly car was cheated, also found the car , but can't get it back. "

Reporter investigation

A number of mortgage platforms at low prices to receive unlicensed vehicles

The China Road Transport Association says most of the vehicles being cheated into the black market by investment guarantees, loan mortgages, etc.

According to an analysis of the data collected by the China Road Transport Association, the proportion of leased vehicles in all parts of the country is up to 10%, at a minimum of 1%. A large number of leasing vehicles have been the case of fraud, in fact, most of them are fraudulent vehicles through investment guarantees, mortgage loans, pawn shops and other means into the black market.

In this regard, the reporter randomly dialed 8 involved in investment guarantee, vehicle mortgage business of the company telephone, of which 7 said that can receive unlicensed vehicles, only 1 have expressly refused to refuse the car without formalities.

"What formalities do not also can be transferred, as long as we check, no lease, Rob Record can be bet, is not to give how much money, 180,000 of the car to 50,000." How long the mortgage can be, sign a loan contract is over. Li Chunli, who works for an investment consultancy in Beijing, says the company can help by guaranteeing that the vehicle is not stolen.

Yang Manager of an Investment Management Co., Ltd. also said that the company received no formalities for the car, "your friend's car or other car can be, but you have to get the paperwork, at least half of the photos to me."

Another information consultancy, Chen Manager, said that previously there is no travel permit car can be purchased in accordance with the "black cars", but the price is lower, "We do not know how your car arrived?" But we can operate, you only need to drive through here a lock, give you money on the finished son, but now the two sessions, do not dare to do. ”

Paparazzi

How to prevent leasing vehicles from being cheated?

Experts recommend the establishment of a National car rental safety Information system to improve the protection of the lessor's rights and interests of the laws and regulations system

China Road Transport Association senior engineer Zhang Yibing introduced, because the car leasing has "the credit consumption, the use person and everybody separates, the rental vehicle high value, the high mobility, is easy to be present" the characteristic, this makes the car leasing becomes the more easy to succeed the Swindle object. In addition, in recent years, criminals in order to evade detection, more and more use of rental vehicles to commit crimes, these factors led to the increasing number of car rental offences.

In 2010, China Road Transport Association has made a special study on the issue of car leasing fraud, and drafted a "car leasing fraud problem and its solution" (hereinafter referred to as the scheme), which on how to prevent leasing vehicles were cheated, proposed two solutions.

Establishing the National Automobile Leasing Safety Information System

Zhang Yibing, the idea of the security information system by the third party construction, management, the National car rental enterprises connected to the network, and the public security departments related information systems. The main functions of the system include the Tenant ID card verification, criminal record verification, car rental bad record sharing, criminal suspects and bad tenant car rental warning, serial car rental warning. The system can also be connected with the 110 command center of Public Security Department to provide the basic information of the car lessee, the basic information of the leasing vehicle, and the track of the vehicle.

Perfecting legislation and clarifying mortgage-leased vehicles involved in fraud

Zhang Yibing introduced that, although the relevant laws and regulations on the transfer of property rights, mortgage, pawn need to register, but law enforcement agencies in the law enforcement of the so-called "bona fide third party" is too lenient, so the "plan" proposed to improve the protection of the lessor's rights and interests of the legal system.

It is suggested that the Public Security Department should confirm in criminal investigation that "the car leasing enterprise can exercise the ownership of the leased vehicle to the third party illegally occupying the leased vehicle in a non-violent manner, self-help retrieve the vehicle, the Public Security Department should give the necessary assistance in case of dispute, if the leasing enterprise does not involve the crime, the public security organ should first return the leased vehicle" principle.

Zhang Yibing said that some public security departments believe that the mortgage, pledge, pawn rental vehicles is an economic dispute, the car rental Enterprises report not to file, resulting in car rental fraud crime can not be hit in time. Therefore, the Ministry of Public Security in the relevant criminal case handling procedures, to increase the mortgage, pledge, pawn, resale rental vehicles listed as the implementation of contract fraud rules, a strong crackdown on car rental fraud crime.

(Original title: Car Rental by mortgage rental platform promised to pay first)