Whether the insurance company will pay the compensation if the modified car is involved in an accident depends on the insurance company’s regulations. Whether some car owners can obtain compensation after modifying their cars depends on the circumstances, and the regulations of each insurance company will be different. For example, some auto insurance companies stipulate that if the modified vehicle fails to pass the vehicle management office verification, you can only get compensation from the compulsory traffic insurance part; if the modified vehicle passes the vehicle management office verification, you can get compensation from commercial insurance and compulsory traffic insurance. Regarding claims for modified vehicles, the auto insurance clauses of insurance companies generally stipulate that during the validity period of the insurance contract, legal modifications of insured vehicles may increase the risk factor. The insured should notify the insurer in writing in advance and apply for modification procedures within 10 days. . For modified vehicles, new equipment insurance must be purchased in a timely manner. In addition to the original equipment when the insured vehicle leaves the factory, additional equipment and facilities installed by the insured should be listed in the detailed list and price of the new equipment when applying for insurance. . Otherwise, in the event of an accident, you will not be able to obtain compensation for the loss of the new equipment.
Insurance claims scope:
1. Compulsory traffic insurance
The claim scope of compulsory traffic insurance includes death and disability compensation and medical expense compensation for third parties after road traffic accidents. , property damage compensation, etc., but it should be noted that the third party in the definition of compulsory traffic insurance does not include the persons on the vehicle and the insured himself.
2. Third-party liability insurance
The scope of claims of third-party liability insurance includes the insured or a qualified driver permitted by the insured in the process of using the insured vehicle. If an accident causes a third party to suffer personal injury or death or property damage, the insurance company will pay the amount of compensation that should be paid by the insured according to law in accordance with the "Road Traffic Accident Handling Measures" and the insurance contract.
3. Vehicle loss insurance
The compensation scope of vehicle loss insurance includes losses caused by accidents such as accidental collision or rollover of the insured vehicle; fire or explosion around the insured vehicle will cause damage to the vehicle. Losses caused by; losses caused by the insured vehicle suffering from natural disasters, collapse of external objects, falling objects in the air, and parallel falls of the insured vehicle while driving.