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通常情况下,被保险机动车在发生保险事故后,先由保险人查勘定损,后由维修机构修理,被保险人垫付维修款,保险人最后对被保险人进行赔偿。那么如果被保险人决定不维修车辆,保险人是否仍应承担赔偿义务?为此,我们特意选取了其中有代表性的案例对相关问题进行初步分析。【案例】2011年2月,马某购买了一辆家庭自用轿车,并在A保险公司投保了交强险(责任限额122000元)、车辆损失险、商业三者险(责任限额10万元)、不计免赔险。保险期间自2011年2月12日起至2012年2月11日止。其中,机动车损失保险条款载明以下内容:“保险
Under normal circumstances, the insured motor vehicle in the event of an accident insurance, the insurer investigation of a set damage, after repair by the repair agency, the insured advances to repair money, the insurer last to compensate the insured. So if the insured decides not to repair the vehicle, should the insurer still bear the obligation of compensation? For this reason, we deliberately selected the representative cases to conduct a preliminary analysis of the relevant issues. [Case] In February 2011, Ma bought a home-use car, and insured in the A insurance company to pay strong insurance (liability limit 122000 yuan), vehicle damage insurance, business risk of three (liability limit 100000 yuan), excluding Exemption from insurance. Insurance period from February 12, 2011 until February 11, 2012 only. Among them, the motor vehicle loss insurance clause states the following: ”Insurance