作为保险业分管理赔工作的业内人士,就机损险赔案而言,长期困扰保险的一个问题是——机损险几乎每案必赔。因为不管投保附加机损险,还是独立机损险,各种损坏都可以最终归因为设计错误、制造质量、安装缺陷和违规操作这四个原因,只有在设计和制造上出现的问题,保险公司在先行赔付之后,可获代位追偿的权利,但这在现实中不具操作性。因此,有企业戏称:保险公司是我(投保企业)的备件仓库。本文对于近几年本人积累此类拒赔案件进行分析,探讨保险行业降低此类不合理赔付的办法。另需说明的是,本文涉及的标的物均为离心机,赔案损失均为离心机的不锈钢转鼓;涉及 As the industry in charge of claims management work in the insurance industry, the loss of insurance claims, long-term troubled insurance is a problem - machine damage almost every case will lose. Because regardless of the insurance add-on damage, or damage to the stand-alone machine, all kinds of damage can eventually be attributed to design errors, manufacturing quality, installation defects and non-compliance of these four reasons, only the design and manufacturing problems, insurance companies After the first payment, you can get the right to subrogation, but this is not practical in reality. Therefore, some enterprises joked: the insurance company is my (insured business) spare parts warehouse. This article analyzes the cases of accumulating such refusals in recent years and examines the ways the insurance industry can reduce such unreasonable claims. Another note is that the subject matter involved in this article are centrifuges, loss of profits are centrifuged stainless steel drum; involved