1997年4月2日,刘××以15,000元购得一辆珠江牌 GZ5020×厢式小货车。1997年4月3日向××保险公司投保,双方在机动车辆保险单中约定,车辆的保险价值根据新车购置价确定;车辆损失险的保险金额可以按投保时保险金额或实际价值确定,也可以由被保险人与保险人协商确定,但保险金额不得超过保险价值,超过部份无效;保险期限从 April 2, 1997, Liu × × to 15,000 yuan to buy a Pearl River brand GZ5020 × van. April 3, 1997 insured to × × insurance company, the two sides agreed in the motor vehicle insurance policy, the vehicle’s insurance value determined according to purchase price of new vehicles; vehicle insurance coverage of the amount of insurance can be insured at the amount of insurance or actual value, or By the insured and the insurer negotiated, but the amount of insurance may not exceed the insured value, more than part of the invalid; insurance period from