Whether the modified car accident insurance company pays or not depends on the regulations of the insurance company. Whether some car owners can get claims after modifying their cars depends on the situation, and the regulations of each insurance company will be different. For example, some auto insurance companies stipulate that if a modified vehicle fails to pass the verification of the vehicle management office, it can only be paid for the compulsory insurance; If the modified car passes the audit of the vehicle management office, you can get the payment of commercial insurance and compulsory insurance. With regard to claims for modified vehicles, the auto insurance clauses of insurance companies generally stipulate that during the validity of the insurance contract, legal modification of the insured vehicle may increase the risk factor, and the insured shall notify the insurer in writing in advance and apply for correction within 10 days. For the modified car, it is necessary to insure the new equipment insurance in time. In addition to the original equipment, the new equipment and facilities added by the insured when the insured vehicle leaves the factory shall be listed with the list and price of the new equipment when handling insurance. Otherwise, when you are out of danger, you can't get compensation for the loss of new equipment.

Insurance claim scope:

1, compulsory insurance

The scope of claims of compulsory insurance includes compensation for the death, disability, medical expenses and property losses of third parties after road traffic accidents. However, it should be noted that the third person in the definition of compulsory insurance does not include the person on board and the insured himself.

2. Third party liability insurance

The scope of third-party liability insurance claims includes the amount of compensation that should be paid by the insured according to law if the insured or a qualified driver allowed by the insured has an accident in the process of using the insured vehicle, causing personal injury or property loss to a third party. The insurance company will make corresponding compensation according to the Measures for Handling Road Traffic Accidents and the insurance contract.

3. Vehicle loss insurance

The compensation scope of vehicle loss insurance includes the loss caused by accidents such as accidental collision or rollover of the insured vehicle; Loss caused by fire or explosion around the insured vehicle; The insured vehicle suffers losses caused by natural disasters, collapse of external objects, falling objects in the air, parallel falling of the insured vehicle, etc.