What is the claim calculation method for vehicle damage insurance?

[LeNevaeh]

Vehicle damage insurance claim calculation methods vary slightly depending on the circumstances. Below is a detailed analysis of claim methods for different situations: 1. Total loss: Actual compensation amount = (Actual value at the time of loss - Residual value) × (1 - Deductible rate). Actual compensation amount = (Insurance amount - Residual value) × (1 - Deductible rate). 2. Partial loss: Compensation amount = (Actual repair and rescue costs - Residual value) × (1 - Deductible rate). (Actual repair and rescue costs - Residual value) × (Insurance amount ÷ New vehicle purchase price) × (1 - Deductible rate).