First of all, I want to tell you that the algorithm of the insurance company is a unified algorithm in the insurance industry, and there is no problem. When you bought the car on 20 10, the new car purchase price was 80800, but when you renewed the insurance on 20 1 1, the new car purchase price of this car was 76800, which is the insurance amount in the policy, not the depreciation of your car. So when you were out of danger in June 20 12, the insurance company will calculate the depreciation according to the 14 months you actually used, and there is no problem with the insurance company's calculation. As for the monthly depreciation of 0.6%, it is based on the legal service life of our ordinary family car. China stipulates that the legal service life is 15 years, that is, 180 months, so it is 0.55555% per month, rounded to the nearest 0.6%. I wonder if this answer is satisfactory?