abbasi afar and the question of what basically happened and what process happened that caused central insurance to change to this conclusion. give a procedure which already existed in order for the insurance companies themselves to take responsibility for the loss of the price of the cars, in the name of allah , the most merciful, the most merciful. third party insurance law, masab 195 , we have defined damages, one of them is financial damages, the legislator said that any type of damage that occurs to the property and assets of a third party is an example of financial damage, and this is almost the definition that exists for the central insurance. there was a consensus that existed in the central insurance, this definition includes types losses can be divided into two groups in the third part : physical loss, now we call it physical damage , and losses that have a financial state means financial loss. including the drop in price, and now there is another reason, even for example, cases where a person suffers a financial loss for any reason, but it is not physical, according to our d

abbasi afar, the head of the central insurance risk management and regulation center, is present. also. mr. sadeghi namazi, the official evaluator of khasalt the insurance that we will talk with. while saying hello to both guests, i would like to start with mr. abbasi yofar and the question of what happened and what was the process that caused the central insurance to come to this conclusion, please change the procedure. it has already existed so that the insurance companies themselves will take responsibility for the loss of the price of the cars. let me tell you that in the third party insurance law, in article one of the third party insurance law of 1395 , we have defined the causes of damages, which is one of them. financial damages are said there, the legislator said that any type of loss that occurs to the property and assets of third parties is an example of financial loss, and this is almost the definition that existed for the central insurance , the consensus that existed in the central insurance, this definition includes all types of losses. do you understand that losses can