Insurance companies must apply new rules to calculate the value of original parts in partial-loss vehicle claims. Resolution DG-SSRP 13-2026, dated October 12, was published in Official Gazette No. 30636 A on October 16, 2026. Article One requires adoption of the standardized depreciation table upon promulgation, while Article Eleven repeals the earlier resolutions issued in December 2025 and February 2026.

Article Three distinguishes policyholders from affected third parties. For policyholders, it allows a different provision incorporated into the contract; for third parties, it requires application of the table regardless of the agreement between the insurer and its customer. Article Two requires insurers to make the table applicable to the policyholder’s coverage available and incorporate it into the policy terms. Existing policies without such a table will be governed by the standardized one.

For private vehicles, depreciation is 0% during the first three years and 5% in the fourth, increasing by five percentage points annually to reach 50% from the thirteenth year. For commercial vehicles, the table sets higher percentages, reaching 50% from the twelfth year. During the first three years, it establishes 0% if the dealership warranty remains in place and 5% otherwise.

Article Four requires full recognition of the value of original parts for new vehicles purchased from a dealership when the loss occurs within the warranty period and its conditions are met. After three years, it permits suitable equivalent or used parts that are available, technically appropriate and compatible as the first alternative. When suitable equivalent parts are unavailable, the reference is the original dealership part, subject to the corresponding depreciation. Article Five requires supplier discounts to be passed on to the policyholder or third party.

For owners, repair shops and fleet operators, the change allows claim settlements to be checked against vehicle age, use and contractual terms. It does not eliminate all claimant expenses: Article Six assigns import freight costs to the policyholder or third party unless otherwise agreed. Nor does it make every policy identical. Article Eight exempts approved special products incorporating their own tables and requires their restrictions to be expressly disclosed. Each claim must still be assessed under its contract and the applicable circumstances.

Research assisted by Sentinel, with editorial verification of official sources. Discover Legislat.ai