车辆被盗应按实际价值赔偿是符合保险原理的 ,但如何让社会及司法部门认同 ,则是一个漫长的过程。《保险法》实施已多年 ,但其影响力却似乎只在保险界 ,普及全民的保险意识 ,使《保险法》得到更广泛、更深入的应用要比多办一些保单、多收一些保费更重要。车辆保险为什么要按重置价承保 ,赔偿时按实际价值赔付 ,这是由保险的特性决定的 ,免赔额的规定 ,也是有道理的。保险人只有熟知这些知识 ,才能让被保险人信服 Car theft should be based on the actual value of compensation is in line with the principle of insurance, but how to social and judicial approval, it is a long process. Although the Insurance Law has been implemented for many years, its influence seems to be only in the insurance industry. It is more important for the insurance law to be popularized and implemented more extensively and in more depth than more insurance policies. Why is the car insurance underwriting replacement price, compensation according to the actual value of compensation, which is determined by the characteristics of insurance, deductible provisions, it makes sense. Only if the insurer is familiar with the knowledge can the insured person be convinced