Esta ley explica qué significan ciertos términos relacionados con vehículos. Por ejemplo, habla de cómo se calcula el valor de un auto antes y después de un accidente.
Es como evaluar el valor de una bicicleta. Si la compraste nueva y luego se rompió, quieres saber cuánto valía antes de que se dañara.
Imagina que Juan tiene un auto que vale $15,000. Después de un accidente, su compañía de seguros le dice que el valor actual es de $12,000. Además, le ofrecen $1,000 por la disminución de valor por el daño, además de cubrir las reparaciones.
Va. Code § 46.2-1600 - Definitions. The following words, terms, and phrases when used in this chapter shall have the meaning ascribed to them in this section, except where the context indicates otherwise: "Actual cash value," as applied to a vehicle, means the retail cash value of the vehicle prior to damage as determined, using recognized evaluation sources, either (i) by an insurance company responsible for paying a claim or (ii) if no insurance company is responsible therefor, by the Department. "Auto recycler" means any person licensed by the Commonwealth to engage in business as a salvage dealer, rebuilder, demolisher, or scrap metal processor. "Current salvage value," as applied to a vehicle, means (i) the salvage value of the vehicle, as determined by the insurer responsible for paying the claim, or (ii) if no insurance company is responsible therefor, 25 percent of the actual cash value. "Demolisher" means any person whose business is to crush, flatten, bale, shred, log, or otherwise reduce a vehicle to a state where it can no longer be considered a vehicle. "Diminished value compensation" means the amount of compensation that an insurance company pays to a third party vehicle owner, in addition to the cost of repairs, for the reduced value of a vehicle due to damage. "Independent appraisal firm" means any business providing cost estimates for the repair of damaged motor vehicles for insurance purposes and having all required business licenses and zoning approvals. This term shall not include insurance companies that provide the same service, nor shall any such entity be a rebuilder or affiliated with a rebuilder. "Late model vehicle" means the current-year model of a vehicle and the five preceding model years, or any vehicle whose actual cash value is determine
Es el pago adicional que una compañía de seguros le da a un dueño de auto por la pérdida de valor del vehículo debido a daños, además de cubrir los costos de reparación.
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