Some time ago, when the truck was turning, the front face of my Santa Fe was shaved off, and one of the headlights was directly scratched. My headlights are LED headlights that I modified later. The original headlights of the car are halogen headlights. There is a big price gap between halogen headlights and LED headlights.
Today Brother Miao will talk about whether the insurance company will compensate for a traffic accident after modifying some parts, and how to compensate. First of all, we need to make it clear that if a traffic accident occurs, who will pay for the damage to your car. If it is your own responsibility, then the car damage can only be borne by your own car damage insurance. If it is a one-party accident, the insurance company will only compensate based on the original parts that were included when the car was manufactured. For example, when your car was shipped from the factory, it was equipped with a halogen headlight, then the insurance company will only compensate for the halogen headlight. lamp.
But I later refitted it and upgraded it to LED headlights. It cost 1,600 each at that time. However, when you make a claim this time, the insurance will never pay you according to 1,600. The insurance company will only pay you according to the amount you paid at that time. The car and the original parts that come with it will be compensated according to the price of the 4S store. As for the price difference caused by replacing the LED headlights, you can only bear it yourself.
The second situation is that someone else's insurance will compensate you. Basically, it is the other party's compulsory traffic insurance or the other party's third party liability insurance. In this case, the insurance company can approve the modification. value of the piece. For example, my original headlights were sold at a 4S store for around 1,000, because they were originally halogen headlights. Later, I modified a pair of LED headlights myself and got them for 3,200. There is a price difference of nearly 4 to 500.
Since the accident was entirely the truck's fault, and his compulsory traffic insurance and third-party liability insurance were involved, the compensation this time recognized the value of my own modified parts. When Brother Miao was doing the damage assessment, he specifically told their loss assessor that the headlights had been modified by himself, and I showed him my order for the headlights. Later, the loss assessor determined the damage. , I reported this situation to the insurance company.
The insurance company also recognized the result of the damage assessment, and assessed the damage of one headlight at a price of RMB 1,600 per headlight. Brother Miao’s insurance claim experience this time will make it clear to everyone. If the modified parts of the car are damaged in an accident, if it is the other party’s insurance Compensation can be settled whenever you come. The prerequisite is that you must have your modification transaction voucher. After you submit the modification voucher you had at that time, your chances of winning are quite high. Otherwise, if you don’t have any certificate and just say it was modified, there will be wrangling in the middle.
Especially for some small insurance companies, in order to save claims expenses, they will engage in long-term disputes, which will make them very tired. Moreover, if they want to restore their original status, they may have to pay the difference. , if you want to find the other driver to pay the difference, it is basically impossible, so you can only ask the insurance company for the difference.
