diff --git a/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/OrderBasicInfoServiceImpl.java b/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/OrderBasicInfoServiceImpl.java
index a74609c88..65806e58f 100644
--- a/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/OrderBasicInfoServiceImpl.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/OrderBasicInfoServiceImpl.java
@@ -1171,7 +1171,10 @@ public class OrderBasicInfoServiceImpl implements OrderBasicInfoService {
                     .reason("订单主表支付字段不完整")
                     .build();
         }
-        if (payRecordEvidence && !samePaymentAmount(orderBasicInfo.getPayAmount(), payRecordAmount)) {
+        // 订单支付金额 = 充电金额 + 保险金额
+        BigDecimal orderPayAmount = orderBasicInfo.getPayAmount()
+                .add(orderBasicInfo.getInsuranceAmount() == null ? BigDecimal.ZERO : orderBasicInfo.getInsuranceAmount());
+        if (payRecordEvidence && !samePaymentAmount(orderPayAmount, payRecordAmount)) {
             return OrderPaymentCheckResult.builder()
                     .checkCompleted(true)
                     .paymentEvidenceFound(true)