On social media platforms, many users have complained that car insurance is approaching its expiration date, and car owners frequently encounter various types of insurance phone sales, which not only seriously affects the user experience but also raises concerns among consumers about the leakage of car insurance customer information, industry data security, and telephone marketing chaos. The investigation found that there is a risk of personal information leakage for car owners in multiple aspects such as purchasing insurance and using the car. Due to the low cost of violating regulations, the chaos caused by telephone marketing has persisted, and the privacy rights of car owners are difficult to effectively protect. Marketing tactics besiege car owners, causing unbearable pain. "My car insurance only expired in January this year, but the harassing phone call came two months in advance. At most, I can receive 5 car insurance sales calls per day. ”Mr. Chen, a car owner in Guangzhou, said that these calls were made by different salespeople from self proclaimed People's Insurance Company of China, including direct sales personnel and outsourcing teams. He roughly calculated that he had received dozens of sales calls within half a month, which seriously disrupted his normal work and life. Mr. Huang, the car owner, also had a similar experience. Before the expiration of the car insurance, he frequently received various renewal calls from different insurance companies, with various quotes and promises such as "lock up discounts" and "gift giveaways". However, after contacting the official customer service of the insurance company, he learned that accurate quotes can only be generated within one month before the expiration of the car insurance, and the discounts previously offered by the salesperson were mostly marketing tactics to attract customers. Reminder to renew insurance is understandable, but inducing with false quotes and making phone calls every day is really unbearable, "Mr. Huang said. A staff member from the car insurance department of an insurance company revealed that before the expiration of the car insurance, the company usually contacts the car owner through a reserved phone number to avoid the vehicle being uninsured. If the car owner does not reject or continue to consult after receiving the phone call, the staff will follow up regularly. We have daily communication tasks and performance indicators, and it's difficult to complete assessments without making phone calls, "said the staff member. In addition to insurance companies, some 4S stores and repair shops have also become the source of telephone bombardment. Li Jifan, Executive Director of Haiteng Insurance Agency Co., Ltd., said that the source of information leakage is scattered in various "front-end scenarios" that car owners come into contact with. For example, the contact information registered during car purchase and maintenance at a 4S dealership may be obtained and resold by the cooperating party without authorization; Some small repair shops have irregular information management, which also exacerbates the risk of personal information leakage for car owners. The complex chain of leaks poses numerous challenges for prevention. It is understood that behind the rampant telemarketing, there are not only performance pressures on salespeople, but also closely related to the excessive flow of information and inadequate control within and outside the industry. Currently, prevention and governance are facing multiple challenges. ——There are loopholes in internal management, and performance orientation encourages excessive marketing. According to the "Measures for the Administration of Insurance Sales Behavior" issued by the State Administration of Financial Supervision and Administration, insurance companies and insurance intermediaries shall collect and process personal information of policyholders, insured persons, beneficiaries, and parties related to insurance business activities in accordance with the principles of legality, legitimacy, necessity, and good faith, and keep it properly to prevent information leakage. However, due to the lack of sound rules and regulations for the protection and use of important and sensitive customer information by some insurance companies, some insurance company staff share personal information data of car owners among peers, resulting in information leakage. Many insurance industry professionals lack awareness of information security and engage in various non compliant and even illegal behaviors, such as being pressured by performance evaluations before the expiration of car insurance, ignoring customer feelings, and excessively frequent telephone marketing and harassment. ——The chain of information leakage is lengthy and difficult to trace back to the source. The leakage of car owner information originates from multiple stages such as purchasing, insurance, and maintenance, and even some people sell car insurance user data on the platform. Once these data are leaked, it is difficult to accurately locate the source, and the difficulty of cross subject collaborative accountability is extremely high. The reporter searched for "car insurance customer acquisition" on online platforms and found a large amount of content related to selling customer information. The reporter consulted on the grounds of purchasing data, and the customer service said that it is easy to obtain car insurance customer information through the purchase customer acquisition system. In addition, on a certain second-hand platform, there are also people selling car insurance customer phone numbers, "500 pieces for 5 yuan, exporting phone numbers, and specifying cities." - The cost of violating regulations is low, and marketing chaos persists despite repeated bans. Lawyer Liu Rui from Guangdong Zhixian Law Firm said that insurance companies have made mistakes in customer information management, resulting in the leakage of customer information, and will face legal action and compensation liability. At the same time, relevant laws and regulations also provide severe punishment measures for the illegal acquisition and use of customer information. Serious illegal acquisition of citizens' personal information may violate criminal law and constitute a crime. However, due to insufficient enforcement of relevant laws and regulations, the punishment for insurance institutions' information management loopholes, illegal marketing and other behaviors is not strong enough, and the cost of violations is much lower than the benefits of violations. Zeng Yan, a professor and doctoral supervisor at Lingnan College of Sun Yat sen University, believes that the lack of coordination between regulation and law enforcement makes it difficult to form effective deterrence, leading to the spread of telephone "bombing style" marketing chaos. According to Article 69 of the Personal Information Protection Law of the People's Republic of China, if the processing of personal information infringes on the rights and interests of personal information and causes damage, and the personal information processor cannot prove that they are not at fault, they shall bear the liability for infringement such as compensation. The relevant person in charge of Ping An Property and Casualty Insurance Guangdong Branch stated that customer information management should be strengthened, sensitive information such as customer phone numbers should be desensitized to prevent customer information leakage, the threshold for obtaining sensitive information should be raised, and customer information usage scenarios should be restricted. In the future, "artificial intelligence+big data" can be used as the core to build a full cycle technology protection system, upgrade intelligent risk control, block information leakage risks from the source, and reduce the interference of ineffective marketing on customers. Due to consumers often being in a position of information asymmetry, it is difficult to trace the source of information leakage, and they often face difficulties in providing evidence and cumbersome processes to protect their own rights and interests. It is difficult to effectively protect their rights and interests solely through personal efforts. Zeng Yan believes that a cross departmental joint law enforcement mechanism should be established to form a diverse governance pattern. Information protection should be centered around insurance companies, industry associations, regulatory agencies, and other entities. By actively building a protection system and supplementing it with consumer actions, problems can be systematically solved. We need to establish a cross departmental joint law enforcement mechanism, form a regulatory loop with departments such as communication management and market supervision, and make non compliant enterprises pay a higher price. In addition, compliance education for insurance practitioners should be strengthened. Regular training and education should also be provided to insurance practitioners to strengthen their legal awareness and professional ethics. Insurance practitioners should fully recognize the importance of customer information protection, consciously abide by relevant laws, regulations, and regulatory requirements, regulate their own professional behavior, and jointly create a healthy and orderly insurance market environment, "said Zeng Yan. Industry insiders believe that various channels, such as official websites, social media, offline promotional activities, etc., can be used to popularize legal and regulatory knowledge of customer information protection to insurance consumers and enhance their self-protection awareness. Let consumers understand their legitimate rights and interests, and know how to protect their rights in the event of information leakage and phone harassment. (New Society)