First of all, Article 64 of the Insurance Law stipulates that the insurer shall bear the necessary and reasonable expenses paid by the insurer and the insured to find out and determine the nature and cause of the insured accident and the loss degree of the subject matter insured. The appraisal fee paid belongs to the category of fees paid to find out the cause of the accident and the degree of vehicle loss. So in addition to the insured amount, it should also be borne by the insurer.
Secondly, there is no law or interpretation to clearly identify and evaluate the expenses as "other related expenses" stipulated in the standard insurance clauses of commercial third-party insurance, so as to stipulate that the claim for defense compensation belongs to "other related expenses" stipulated in the extended interpretation standard insurance clauses. Even if the insurer has relevant evidence to prove that the appraisal and evaluation expenses really belong to the category of "other related expenses", according to Article 19 of the Insurance Law on the invalidity of specific format clauses in insurance contracts, "the following clauses in an insurance contract concluded by adopting format clauses provided by the insurer are invalid: (1) exempting the insurer from the obligations it should bear according to law or increasing the responsibilities of the applicant and the insured; (2) It does not include the rights enjoyed by the applicant, the insured or the beneficiary according to law ". It is also invalid, because the agreement conflicts with the provisions of Article 64 of the Insurance Law, exempting the insurer from the obligations it should bear according to law.
Legal basis: Article 64 of the Insurance Law The insurer shall bear the necessary and reasonable expenses paid by the insurer and the insured to find out and determine the nature and cause of the insured accident and the loss degree of the subject matter insured. The appraisal fee paid belongs to the category of fees paid to find out the cause of the accident and the degree of vehicle loss. So in addition to the insured amount, it should also be borne by the insurer.