陷阱一,保险不等额。一些投保人为了少支付保费而入为地把保险合同约定的保险金额报低于保险财产的实际价值。这种作法表面上看似乎因少交了保险费而得益,但若出险,保险公司只在保险金额范围内赔偿保险金,超出保险金额的损失只能由投保人自己承担。还有一些人人为地让投保金额高于投保财产的实际价值以期获得超额赔偿。但我国法律禁止超额保险,规定投保金额只能小 Trap one, insurance is not equal. Some insured persons insignificantly pay the premiums agreed in the insurance contract below the actual value of the insured property for the purpose of paying less. On the surface, this practice seems to benefit from less insurance premiums paid. However, if the insurance company runs out of insurance, the insurance company only pays the insurance money within the insurance amount. Any loss beyond the insurance amount can only be borne by the applicant. Others artificially make the insured amount higher than the actual value of the insured property in the hope of obtaining excess compensation. But our country law forbids the excess insurance, stipulates the insured amount can only be small