Will Insurance Cover After Changing the Car Emblem?

[Barry]

In the event of an accident, the claim may not be covered because changing the car emblem results in a discrepancy between the insured vehicle and the photo on the vehicle registration certificate. Therefore, in case of an accident, the commercial insurance portion may not provide compensation. Below are the scenarios after changing the car emblem: 1. No Impact on Compensation: Changing the car emblem does not affect the insurance company's compensation, as it is not causally related to the occurrence of a traffic accident. 2. Changes in Deductible Rate: There may be significant changes in the deductible rate, involving issues of unauthorized vehicle modification. 3. Traffic Police Fines and Penalty Points: Changing the car emblem violates the Road Traffic Safety Law, resulting in varying fines, a deduction of 6 points from the driver's license, and failure to pass the annual inspection.

[DiMiles]

I've been driving for over a decade and know quite a few friends who modified their car emblems. To be honest, this matter has significant implications for insurance claims. Car emblems aren't something you can casually modify - traffic regulations clearly state that unauthorized emblem replacement constitutes illegal modification. When processing claims, insurance companies will inspect whether the vehicle has undergone legal modifications. If they discover you've altered the emblem, there's an 80% chance they'll outright deny the claim. A friend of mine changed his emblem to a Mercedes-Benz last year, and when he rear-ended someone, the insurance company sent a specialist who noticed the emblem discrepancy and refused compensation. He ended up paying tens of thousands out of pocket for repairs. Nowadays, many insurance policies include an 'illegal modification exemption clause'. So if you're really considering changing your car emblem, you must first complete the modification registration at the DMV, then notify your insurance company to sign a supplementary agreement. Otherwise, saving a few hundred bucks on modification fees might cost you much more in the long run.

[OLeonardo]

Friends who are thinking about changing their car emblems recently should take note, as this might affect your insurance claims. Insurance companies place significant importance on the original state of the vehicle, and altering the car emblem is considered illegal modification under the law. Many insurance policies list this as a reason for claim denial. Once, while chatting with a mechanic at a repair shop, he mentioned handling several cases where claims were denied due to owners changing their car emblems, resulting in out-of-pocket repair costs and even fines or penalty points. Although it might seem like a minor change—just swapping a logo—insurers take vehicle consistency very seriously. If you’re particularly fond of a certain emblem, first check the local DMV regulations and confirm with your insurance provider whether it affects your policy terms. Don’t risk unnecessary trouble for a temporary novelty.

[StellaAnn]

I've researched many modification cases, and altering car emblems does indeed affect insurance claims. Traffic regulations consider unauthorized changes to car emblems as illegal, and insurance companies typically deny claims based on this. Last year, a friend had a minor collision after changing his car emblem, and the insurance company refused to cover nearly 5,000 yuan in repair costs, citing 'violation of statutory vehicle identification regulations.' It's advisable to confirm the details of your insurance policy and make proper annotations or registrations before proceeding with any modifications to be on the safer side.