Motor vehicle insurance at what point that is not valued insurance?

  Occasionally read a story,"Prices fell premium rose the amount of compensation but drop what?", not by creating a doubt: the applicant cannot determine the amount of insurance coverage you? With these questions, read the terms, in the new car to purchase negotiated price within the content, but why not to underwriting according to association platform industry on the price? The practical operation of such a serious deviation from the original terms (at least I think so, maybe is still not reflect actual provision design practice?). And then think, auto insurance really is not valued insurance? From the provisions of view, there are three ways to determine the amount of insurance compensation, respectively by different ways.
   The first way, according to new car purchase price of insurance. Compensation in the insurance losses, but also about the insurance amount is higher than the actual value in accordance with the actual value of the compensation. So it should refer to the actual value of the insured value at the time of the accident, this regulation and insurance law. Because the actual value at the time of the accident is uncertain, it seems to be not valued insurance. Since it is not valued insurance, why not to request the applicant in accordance with a standard insurance coverage? Positive understanding should be the insurer does not allow the applicant not full insurance, namely the right to choose this deprived the applicant not full insurance. From another point of view, in accordance with the new car to purchase price policy, as long as one on the road, is in excess of insurance status, the excess liability insurance is invalid, but the insurance premium is paid.
   In second ways, according to the actual value of the insured or applicant consultation. The insured in accordance with the actual value of the insured when, at the time of the accident compensation in accordance with the actual value calculated at the time of the accident, the insurance value is the actual value seems to still exist, and the extra insurance. But on the part of loss compensation agreement has subverted the actual value for the inference of the insurance value: according to the insurance amount and the proportion of new car to purchase price paid! It is when insured! The proportion of compensation standard is always the value of insurance, such as insurance value and a new car purchase price?? But the total loss compensation standard is not? On the other, from the contract, the insurer does not seem insufficient amount insured against, with the first spirit and contradictory? From this agreement, the characteristics of insurance made full use of the applicant does not understand insurance, all on their own favorable factors all use. This display fair terms die in one's bed, is the insurance industry put themselves as service industry.
   The insurance value reads the terms don't understand of motor vehicle insurance is determined by how.

Kang Guojun.