一位车主买了辆二手本田轿车,在为该车买保险时,保险公司建议车辆损失险按照新车购置价确定保险金额,全车盗抢险按照目前该车的实际价值确定保险金额,二者之间金额相差近一倍。为什么会产生这种差别?根据保险中的损失补偿原则,在投保财产损失险时,要根据保险标的价值确定保险金额。保险金额是保险人的责任限额,即被保险人获得保险赔偿的最高数额,也是保险人收取保费的依据。根据《保险法》第三十九条的规定,保险金额超过保险价值 An owner bought a second-hand Honda sedan, when buying insurance for the car, the insurance company recommends a loss of vehicle insurance in accordance with the new car purchase price to determine the amount of insurance, the whole car robbery emergency in accordance with the actual value of the car to determine the amount of insurance, both The difference between the amount of nearly doubled. Why is there such a difference? According to the principle of loss compensation in insurance, when insuring property damage insurance, the insurance amount should be determined according to the value of the insurance subject matter. Insurance amount is the insurer’s liability limit, that is, the insured person to obtain the maximum amount of insurance compensation, but also the basis for the insurer to collect premiums. According to Article 39 of the Insurance Law, the amount of insurance exceeds the insured value