案情 2008年7月21日,马某为其自有的一辆桑塔纳轿车投保了私家车辆非营运损失险。同年11月8日该车发生保险事故后,被送到保险公司指定的某修理厂修理。其间保险公司审核认可了维修项目及4万余元维修费用。马某就该费用损失向保险公司提出了理赔申请。后马某向修理厂提出放车请求,并承诺以保险公司即将全额赔付的理赔款冲抵修理费。修理厂向 Case On July 21, 2008, Ma insured a non-operating loss insurance for private vehicles for its own Santana car. In the same year on November 8 after the accident occurred in the car, was sent to a repair shop designated by the insurance company. During the review and approval of the insurance company approved the maintenance project and more than 40,000 yuan maintenance costs. Ma on the cost of losses to the insurance company made a claim. Hou Ma made a request to the garage to release the vehicle and promised to offset the repairing fee with the full compensation amount to be paid by the insurance company. Repair shop to