Although it is unreasonable and illegal, you are a consumer and you have the right not to buy it. If you buy in cash, they can't ask you. If you have to borrow money, and there is only one bank and guarantee company to choose from in the 4S shop, you can only be forced to accept it unless you can find a guarantee company and bank yourself. Generally, 4S stores have their own cooperative insurance companies, some of which are relatively tacit. On the other hand, there is nothing wrong with this, at least the settlement procedure will be faster. This kind of forced sales behavior exists in all walks of life. As I said before, unless you don't buy it, everything is just and legal, and there will be many things difficult, right?