My car damage insurance is not fully insured. 300,000 yuan is insured for 6.5438+10,000 yuan.

The insurance company has reached an agreement with the cooperative repair shop, and the repair shop can introduce the insurance company to customers who want to repair the car, with certain discounts. It can be understood as internal price. For example, the price of a bottle of coke in a supermarket is different from that in a hotel, and sometimes there is a big difference. It is understandable that the other owner wants to go to his shop for maintenance. When determining the loss, you can negotiate with the insurance company and set the price according to the standard of 4s stores, but this standard is often not uniform in the whole city, and it is very likely that other 4s stores are higher than the fixed loss price. Therefore, the best solution is to go to the specialized shop recommended by the insurance company to repair the car. PICC has more than 90 cooperative car repair enterprises. I think we can meet each other's needs. I think it is acceptable for you to pay the repair fee in advance. Auto insurance claims are just like reimbursement. For example, you said that this business trip will cost 18000, and the money is tight. The company will give me the money first and talk about it later. Do you think this is possible? And even if this is done, the later review will be more troublesome. Now there is a serious lack of social integrity. The insurance company will give you money first. Who knows whether you can repair the car or not, and whether you have repaired it according to the fixed loss price and maintenance list. However, as long as you choose a repair shop that cooperates with PICC, there will be no such problem. For example, some big factories can realize direct compensation service, that is to say, you don't need to pay, just drive the car to someone else and inform you to pick it up after it is repaired. You don't have to deal with insurance companies anymore. The repair shop has done it for you. For example, the auto repair company has 6 factories, 3 factories and 8 factories. . . .

The second question is this:

Although your car is old, it is likely that it has been discontinued now. So what determines the value of a new car? Please note here that the coverage of car damage insurance is determined according to the purchase price of your new car, not according to the actual value of the car. Therefore, in your case, the purchase price of a new car should be determined by the latest market price before the car is discontinued. Why? You may feel unfair. Damn it, I have used 10 years. Now this thing is worth at most100000. Why should I guarantee 300 thousand? Have you ever thought that once your car has an accident, your accessories are new, are they harder to find than mainstream models, and the price may be much higher? If there is a major accident, the replacement cost will exceed your actual value, which is also the reason when determining the insurance rate at will.

The formula for calculating car damage is as follows: actual compensation amount = car damage × (car damage insurance coverage/new car purchase price )×100 %× accident liability ratio ×( 1- no odds).

The purchase price of your new car should be 300,000 yuan.

The amount of car damage insurance is 654.38+ 10,000.

You can only pay in proportion, and the insurance company can only pay you 33.33% of the loss.

Because you are insured with no deductible, the deductible rate can be regarded as 0.

Car damage 10000.

Actual compensation amount =10000× 33.33 %×100 %×100% = 3333.

In addition, the lack of insurance has nothing to do with the three risks. This is just your own car. For example, if you hit someone's car and the other person loses 10000, then you should compensate them 10000.

Don't pick up bargains on the beach next time, don't listen to this kind of sales promotion by agents, and be sure to ask if it will affect the later claims.