Whether the insurance amount can be increased according to the customer's wishes!

Yes, but it doesn't mean much. The insured amount of vehicle damage insurance is mainly determined by the actual value of the insured vehicle at the time of insurance. The system of general insurance companies will have the guiding prices of most models. Although this number can be adjusted manually, there is a limit to the fluctuation, and the adjustment of the insurance amount is of little significance. The premium cannot be reduced much, not to mention, but it will also affect the compensation payment in case of total loss of vehicles.

The insured amount of the car damage insurance is determined by the invoice in the first year of the new car insurance, and then it will be determined according to the number of accidents in the previous year and the depreciation rate of the car. Under the condition that the insurance company system is connected nationwide, the number of accidents of each vehicle in the previous year is clear at a glance. Even if the insurance company is changed in the next year, the premium and the insured amount will still be affected. Therefore, it is not recommended to use vehicle damage insurance when the vehicle loss is small. You can handle minor accidents when the repair price is low.

When the vehicle is seriously damaged or even totally lost, the use of vehicle damage insurance can greatly reduce the economic loss of the owner. Therefore, it is necessary to purchase vehicle damage insurance for new vehicles and vehicles with higher prices. Especially in the case of total loss, the insurance company can even make full compensation for the insured vehicle according to the contract, which is equivalent to the price of buying a new car again.

If the car has been used for seven or eight years, the depreciation of the car is obviously severe, and the amount of car damage insurance coverage will be very low. Of course, some car owners will negotiate with the insurance company to determine the amount of insurance when purchasing the car damage insurance, but the amount of insurance shall not exceed a certain standard. If it does, the amount of insurance will be invalid when the highest claim is made in the event of a subsequent accident, and the specific market price shall prevail.

Company: PICC Property and Casualty Company Limited Shaoxing Zhuji Branch

Tel.: 0575-87223993

Address: No. 25, Genta East Road, Zhuji City

Disclaimer: There are risks in the market, so you should be careful! This article is for reference only, not for sale

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Disclaimer: There are risks in the market, so you should be careful! This article is for reference only, not for sale basis.

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