在近几年的保险纠纷类案件中,车辆损失险中因核定而引起的争议一直居高不下。问题的缘起很简单,即车辆保险单中有条款约定:“发生保险事故造成保险车辆损坏的,应当尽量修复。修理前被保险人须会同保险公司检验,协商确定修理或者更换项目、方式和费用。否则,保险公司有权重新核定。因被保险人原因导致损失无法确定 In the recent years of insurance dispute cases, the controversy caused by the approval of vehicle damage insurance has been consistently high. The origin of the problem is very simple, that is, there are provisions in the vehicle insurance policy stipulated that: ”In the event of an insurance accident resulting in damage to the insurance vehicle, it should be repaired as far as possible before being repaired, the insured person shall inspect the insurance company, negotiate to fix or replace the project, Otherwise, the insurance company reserves the right to re-verification. Due to the insured person can not determine the cause of the loss