The subject car refers to the vehicle insured in the insurance. The vehicle insured by the insurance company is usually called the subject car.

When the policyholder applies for insurance, the insured subject matter is the property related to the insured object, or the interests related to it, and is the carrier of insurance interests.

The subject of an insurance is the object of the insurance. Generally, there are two categories: property and its related interests, and human life and body. Different insurances have different insurance subjects. It can be a house, a car, the right to use a trademark, a patent, etc. It can also be a person's lifespan, body, etc.

The subject matter of insurance will affect the risk assessment of the insurance and is also an important factor in claims settlement.

Extended information:

1. The subject of insurance is the property of the insured and the interests related to the property in property insurance; in personal insurance it is human life or possible events Sickness and retirement; in liability insurance, it is the insured's civil liability for damage.

2. The legal significance of taking the insured subject matter as the basic clause of the insurance contract is:

Determine the type of insurance contract, clarify the scope of the insurer’s liability and the application of insurance law provisions; judge Whether the policy holder has insurance interests and whether there is moral hazard; determining the insurance value and the amount of compensation; determining litigation jurisdiction, etc.

Reference: Baidu Encyclopedia-Insurance Subject