10/02/2008
How do the vehicles escape from danger “damage surely”
The safe vehicles after having the traffic accident, needs to determine that the extent of damage and the fixed price plan, in the custom called it “damages surely”. "Motor vehicle Insurance clause" 14th: “because the insured vehicles the insurance risk suffers injury or causes the third party property damage, must repair as far as possible. Before the repair, the insured must handle jointly with the insurer to examine, determination repair project, way and expense. Otherwise, the insurer is authorized to check or the indemnity refused.”May see according to the stipulation, after the safe vehicles escape from danger, in “damages surely” has two principles: First, repairs the principle as far as possible; second, consultative fixed price principle. If not is inadequate after the consultation or the consultation, the insurer is authorized to check or the indemnity refused. Therefore, consults with the insurer “surely damages” solves the question essential method. generally speaking, to the identical loss's appraisal conclusion and the repair expense, the repair shop will be different, makes “damages surely” will also have a difference. Therefore, must “damage surely” correctly fairly, must designate that a specialized neutral the authority accrediting body carries on. present in our country, the specialized neutrality's authoritative organization mainly has: Recent years the reason insurance management by supervision committee authorized to set up is engaged in the insurance sign to estimate specially damages, the appraisal service insurance appraisal organization; Is entrusted the local security traffic department, is composed the road traffic accident by the local prices office to damage the appraisal center; Insures the vehicles related the special service department which sets up in the locality. therefore, vehicles' loss by no means must determine by the Insurance company that the vehicle owner may “damage the plan to the Insurance company to propose the different opinions surely”, and further consults with the Insurance company, designated together both sides trust the organization is responsible “to damage the work surely”.
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