What is “Crispy Damaged But Fuse Blowing”?

In our country A significant portion of fraud cases are It is seen in the trade of electronic devices and second-hand vehicles. We can say that many people gain unfair advantage by willingly making the statements we will give shortly.

second hand vehicle If you are going to buy, you will start to read the descriptions in the ads more carefully after reading this content. So, what are these remarkable statements that consumers see in the description section when looking at a vehicle?

“Inflated damage record” is a phrase that many people come across in advertisements.

This expression, which we can see in the description section of damaged vehicle advertisements, is popularly known as the vehicle’s normal condition. “pert” with no damage But it means that records are kept in this way to get money from the insurance company. In fact, such a statement shows that the vehicle has minor damage, but that he is using insurance inflating rhetoric to get money from the insurance company.

We regret to say that in such a situation, consumers need to be careful. Ahmet Erdem, President of the Turkish Insurance Experts AssociationWhile making warnings about this issue, he states that these statements do not reflect the truth. So, when you see such expressions while looking at a vehicle, it would be beneficial for you to be concerned.

First, it is necessary to clarify some concepts.

According to insurance legislation, for vehicles that are generally referred to as totaled in society, Two procedures are applied is known. One of them was badly damaged; the other for vehicles with total damage.

Exceeding the value of the damaged vehicle on the date the risk occurred and the repair costs, and with expert report If it is determined that the vehicle is in a condition that cannot be repaired, the vehicle is considered a total loss.

Under these conditions, A scrap registration certificate showing that the vehicle has been scrapped Compensation is not paid until it is submitted to the insurer. After the procedures regarding this document are completed, the relevant vehicles are delivered to the facilities licensed by the Ministry of Environment and Urbanization and disposed of, and these vehicles are no longer on the road.

If it is confirmed by an expert report that a severely damaged vehicle is repairable, the vehicle is classified as severely damaged.

Insurance compensation will not be paid to the vehicle owner unless a registration document showing that the vehicle has been withdrawn from traffic and stamped in accordance with the legislation is submitted to the insurance company. After such vehicles are withdrawn from traffic with a towing document, repair costs are covered by the insurance company and the regulations regarding the procedure for reopening to traffic in Article 41 of the Highway Traffic Law are applied.

“Crispy is damaged but insurance inflation” The statement also states that the vehicle apparently has minor damage, but this damage is exaggerated or overclaimed by the insurance company.

In other words, it is claimed that the vehicle suffered minor physical damage, but the insurance company demanded more money for the repair of this damage or exaggerated the extent of the damage.

In this case, the vehicle owner or seller claims that the vehicle is slightly damaged, but the insurance company’s demands are excessive. However, it is necessary to be careful with such statements, because in all cases the real situation is not clear. The vehicle’s damage history and insurance claims should be carefully reviewed and should be evaluated by an expert.

At this stage, the damage records of the vehicle, may reflect the amount stated in the expert report; However, the consumer should question whether the person who purchased and repaired heavily damaged vehicles carried out the repairs of these vehicles in accordance with the standards in the expert report.

A situation such as the insurance company inflating the damage amount is not actually a reasonable explanation in terms of insurance logic. Because in this case, the insurance company will have to pay more.

In addition, vehicles for which compensation is paid within the scope of traffic and automobile insurance Damage information for both heavily damaged and partially damaged cases can be accessed through the services offered by the Insurance Information and Monitoring Center.