is a lot of fun to drive, whether it's quiet and smooth or powerful, whether it's fast or the engine roars. But how can a person walk along the river without getting his shoes wet? Even if he encounters some traffic accidents, even if they are minor, it is still very troublesome to deal with them.
I drive very carefully, and I haven’t dealt with an insurance company for many years. After driving the Weilai , I had some minor glitches. I used one-click maintenance twice (once with the touch-up pen and , and once with the worry-free paint rights), and everything went smoothly.
And just as my insurance was about to expire (more than a month away), I had a glorious crash (last Sunday).
The responsibility for the accident is obvious. I, an experienced driver, drove carelessly. In the underground parking lot of China Resources Vientiane City in Chengdu, I was distracted by scanning the code to pay the parking fee, and hit the left front fender of a BMW 528 that had just driven out of the parking space.
The scratches on the BMW are quite obvious, as above. As for my ES6, apart from the old injuries (as shown below), there is no visible damage to the front bumper. It is probably caused by the screws on the license plate.
The responsibility is very obvious, it is all my responsibility. The BMW owner was also very nice. He called the 4S shop to ask about the problem. The 4S shop replied that the entire front bumper needed to be painted, and the price was quoted at 1,500. This is in line with my experience and knowledge, but I still have to complain about it being too expensive.
Let's take it safe. The other party also agreed, but asked not to bother him too much because he still had things to rush for.
Here is the breakdown of the entire processing process:
1. Report in the exclusive group and get a reply in seconds. First, ask if anyone is okay, and the answer is that no one was hurt. Bruce said an insurance specialist would contact me within five minutes.
2. Half a minute later, the NIO insurance specialist contacted me and guided me on how to handle it: call NIO’s 4009996699 service hotline and report the case, so I did so.
3. About 1 minute after the report was made, the insurance company staff contacted me and explained the situation. What I was most concerned about was whether the traffic police would be required to deal with this minor accident. If the traffic police must issue an accident liability letter, then Time wasted. The staff said no:
(1) Add WeChat, and I took the video of the accident on the driving recorder (I guess it was clearly my fault and my insurance).
(2) Enter the " Taiping Insurance " report applet, where the video is connected, and the corresponding video shooting is carried out according to the guidance of the staff. The staff takes screenshots in the background, including the status of the vehicle, the frame numbers of both vehicles, and the damage areas of both vehicles. , the other party's driving license driver's license, my driving license ID card .
(3) Call the other car owner to confirm the repair information: the 4S store for repair and the approximate repair date (BMW requires an appointment).
4. It’s over. The insurance company asked the car owner to contact him directly for repairs. Because the car owner also contacted the BMW 4S store, the BMW 4S store asked me to provide the report number. It's all over. Shake hands and go away. The whole process shouldn't take more than half an hour.
I have never encountered such a fast accident and insurance report processing. This is inseparable from NIO's service - I have seen many times that car owners found NIO's valet service at this time, such a small mistake. Not needed yet.
I am also very grateful to this BMW owner, who never made a fuss or made a fuss and cooperated throughout the whole process. I sent the BMW owner a WeChat red envelope to express my apology for wasting his time. He said no, it's okay.
On Thursday, a BMW owner said that repairs on his BMW were completed and everything went smoothly.
What about my own car? The insurance company asked me to get one-click maintenance as soon as possible, and I said I didn’t need insurance to repair the car—this was very important.
I asked Bruce in the exclusive group about the impact of my accident on the insurance premium for the second year. Bruce replied that the damage to the car this time was less than 2,000 (if my car was repainted, it might be more), and compulsory traffic insurance would be fine. Well, if the car damage is more than 2,000 and you take commercial insurance, the premium will go up in the second year.
I still have the rights to worry-free paint once, so this must be handled by the worry-free service.
html On July 1st, a colleague from NIO contacted me and quoted me the price of insurance for the second year. I took a look and found that while the insurance items remained unchanged, my premium (compulsory traffic insurance + commercial insurance) increased from 6,041 yuan. It is 6399.35 yuan, an increase of more than 300 yuan. This is not called a big increase.
I definitely want to buy the service, otherwise I would be sorry for Weilai’s perception that “buy the service and get the car free”. I think that for my car use scenario, worry-free insurance is enough. The price of worry-free insurance this year has dropped by 100 yuan compared to last year, to 1,580 yuan. I will buy it now and switch to worry-free service next year.
Summary: No matter what brand of car, the one that suits you is a good car. What car is right for me? First of all, it must be the vehicle itself. I don’t pursue the ultimate performance, but it is necessary for the car to drive well (let’s consider it subjective). I like to run on the Western Sichuan Plateau and even have Tibetan dreams. Strong power on the plateau is a must; because it is an electric vehicle, Convenience in energy replenishment is also a must – NIO can meet my needs for these. Secondly, it is comfortable to drive, not too troublesome, and someone will help me deal with it when something happens - this is a "core technology" for Weilai, which "buys services and delivers cars".
So, NIO is suitable for me. I think NIO is good, even though they always say:
