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这是一起投保人将旧车高额投保发生保险事故后要求按照约定的保险金额进行赔付的财产保险合同纠纷案件。根据保险法的规定,保险标的的保险价值,可以由投保人和保险人约定并在合同中载明,也可按照保险事故发生时保险标的的实际价值确定。在保险合同双方当事人对保险价值作出约定时,保险人应当按照合同的约定进行赔付。
This is a case of property insurance contract dispute that the policyholder requires to pay the insurance according to the agreed amount after an insured person has insured the used car with a large amount of insurance. According to the provisions of the Insurance Law, the insured value of the insured subject matter may be stipulated by the insured and the insurer in the contract, and may also be determined according to the actual value of the insured subject matter at the time of the insured incident. When both parties to an insurance contract make an agreement on the value of insurance, the insurer shall make the payment in accordance with the contract.