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Trong hợp đồng bảo hiểm tài sản, khi xảy ra sự kiện bảo hiểm, doanh nghiệp bảo hiểm hoặc người được doanh nghiệp bảo hiểm uỷ quyền thực hiện việc giám định tổn thất để xác định nguyên nhân và mức độ tổn thất, trách nhiệm chi trả chi phí giám định thuộc về:

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