“Eh… the amount of compensation is less than half?” A series of insurance troubles related to rare used car accidents… What are the countermeasures? |MOBY [モビー]

Many cars are worth 0 yen after 15 years

@Andrey Popov/stock.adobe.com

most cars areAfter 15 to 20 years, its value will be around 200,000 yen, or it will be evaluated as zero.sometimes. However, many of them are traded at premium prices due to their rarity value.

for example,A sports car that appeared over 25 to 30 years agoetc. are now attracting attention again. Starting with the R32 Skyline GT-R that appeared in 1989, there are many famous cars such as the FD3S RX-7 and the Lancer Evolution.

The value of these cars is steadily increasing due to the increase in domestic demand and the classic car registration system in the United States (commonly known as the 25-year rule).

How much does rare used car insurance cost?

Nissan Skyline GT-R (1989)

In the case of the R32 Skyline GT-R mentioned earlier, it was manufactured more than 30 years ago, so if you think about it normally, the value remaining in the car is zero.An expensive individual sells for 10 million yen.

These cars are called “rare used cars”, and the hurdles to purchase and own them are higher than other used cars.The biggest difference is car insurance“Vehicle insurance amount”I guess.

The vehicle insurance amount is the maximum amount of repairs that will be compensated by the insurance company if the vehicle is damaged due to your own negligence.

Generally, it is set highest at the time of new car,As the years go by, your car insurance premium will decrease.This is because the car is registered and driven, and its value depreciates as it ages.

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If you enter the model and year of your car, you can check the standard car insurance amount on the car insurance quote site. For example, on a quote site,In the 2012 Toyota Prius (10 years ago), the vehicle insurance amount is 750,000 yenis calculated as

This amount isThe price may differ significantly from the selling price at used car dealers.Therefore, it is possible to discuss with the insurance company and raise the vehicle insurance amount to the purchase price of the used car.

however,Whether the insurance company will accept compensation at that amount is case-by-case.becomes. In general, it is necessary to prove the value of the car from a third-party perspective, such as by submitting a used car sales contract to the insurance company.

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