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车辆未经修复是否影响保险理赔？_保险理赔_交通事故_捷律?/title>
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<div id="Nav">您的当前位置: <a href="/">捷律?/a> > <span id="lbNav"><a href="/flzs/jtsg/">交通事?/a> > <a href="/flzs/jtsg/bxlp/">保险理赔</a></span> > 正文</div>
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<div id="Title"> <h1><span id="lalTitle">车辆未经修复是否影响保险理赔?/span></h1></div>
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发布时间:<span id="lbInDate">2019/9/18 16:43:52</span> <span id="lbSource">来源:互联?nbsp; </span><span id="lbAuthor"></span>
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<span id="lalContent"><p style="text-indent: 2em; text-align: left;"><strong>??/strong></p><p><br/></p><p style="text-indent: 2em; text-align: left;">夏某为其所有的轿车在某保险公司处投保了交强险和商业险，保险期间均为2013??0日至2014??日?013?1?7?4时许，夏某允许的合法驾驶人朱某驾驶该轿车撞上墙头，导致该车前后受损，墙头及窗户损害。该事故经交警部门认定，朱某负全部责任。该车损失已经鉴定部门评估鉴定，但尚未修复?/p><p style="text-indent: 2em; text-align: left;">夏某将保险公司诉至法院要求依据车损赔偿保险金22余万元。保险公司辩称损失并没有实际修复，对此费用被告不应理赔。法院认定物损是否修复不影响保险公司的赔偿责任，最后判决要求保险公司赔偿夏某的保险金?/p><p><br/></p><p style="text-indent: 2em; text-align: left;"><strong>??/strong></p><p><br/></p><p style="text-indent: 2em; text-align: left;">关于车辆发生保险事故后，未经修复是否影响保险公司对被保险车辆的理赔问题。车主在投保车辆发生事故后，已由保险公司定损或者由物价等第三方评估机构定损，车主出于种种原因，往往未去进行修理，而是先向保险公司索赔?/p><p><br/></p><p style="text-indent: 2em; text-align: left;">因车损险的目的在于分散风险，给发生事故损失的保险车辆予以救济，具有补偿性质，现保险车辆的损失已经实际发生，损失金额也已由物价部门定损，该物损是否修复不影响被告的赔偿责任，且保险合同并未约定事故车辆非经维修后不得向保险公司理赔，因此仍应由保险公司按保险合同的赔付标准进行理赔?/p><p><br/></p></span>
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