车辆定损 零部件修与更换谁说了算（It is up to the car to repair and replace the parts）.docVIP

车辆定损 零部件修与更换谁说了算（It is up to the car to repair and replace the parts） Also, the owner Mr. Zheng car in a train accident in August, the front bumper is impaired, bumper plastic stent fracture, when claims, insurance company can only agree with the former poles support repair, but Mr Zheng insisted on for replacement. The damaged parts of the vehicle are repaired or replaced in the settlement, and the insurance company and the owner are divided. And this is also the most common contradiction between car owner and insurance company, how to calculate to meet change standard? Who made this standard? How do you identify it? The principle of compensation is mainly to repair The reporter visited the insurance company and got their reply. Is a change or repair the damaged parts, mainly the extent of damage, if it is a small problem, does not affect driving safety is given priority to with repair after repair, if cant repair parts is sure to help owners replace, the premise is vehicles can drive safely. And the insurance company will have to avoid a handful of owners through the replacement of parts with old change new, the purpose of unjust enrichment. An insurance companys loss adjuster, Mr Zhao said insurance claims survey personnel have been professional training, for vehicle damage assessment is objective, if there are any larger accident, vehicle damage is serious, you grasp not, also please repair shops to evaluate vehicle condition, essentially all losses of the owners can get reasonable compensation. As to which principles the insurance company would fix, the companys personnel answered that insurance compensation was based on the principle of recovery. The reporter understands from several big insurance company, its claims principles are mostly, the vehicle is damaged parts can be repaired cases is given priority to with repair, this is allowed by the state, should for replacement parts, insurance companies usually will be judged according to the rules of the compa