Meister,
Well, it's not entirely true, or rather not so.
First, we are responsible for the choice of the expert and we have an internal rating (though, like you, if the Hamburg score :-) We all know that experts are "knowledgeable," with the conclusions of which the dealer buys the work, and there "comfortable" with whom he will sell a bad job. We work with "knowledgeable". If there is a fund, we work only with the fund or do not meddle in the fine arts, and doing only the technology. But whose opinion prevailing, we do not decide, not you, and the court. Return cause both sides and involve independent experts. My only trick is that we choose the best of the "knowledgeable" and try to eliminate the possibility of procedural attempts to negotiate with interested parties. And thus do not violate, and protect consumer rights. And there is no deception.
With your example, nearly all of them correctly. Just think of the sled. Consider two points, the moral and legal. Moral, briefly (I will give your phrase and will focus on the word "understand", but a reservation, that this was not you personally, we just handle cases, so:
"I" understand "that I can buy it and even if it is false, then I get insurance for the error of the expert and not stay in the losers."
That's when you understand everything, and buy, then that would put someone on the money, this is fraud, and in this case the money you certainly do not get)
But, if you bought the work in the market with our expertise, carried her to the "knowledgeable" expert and he said that's not it. You take the conclusion of this specialist, and go to whoever you sold it. It returns you the money for the subject and the following for your examination and, in turn, carries it to the person from whom he bought it .....( for justice, it happens that way). And when the job falls to the man who ordered the examination, and we got into a situation where because of our mistakes he appeared reasonable financial requirements of third parties, and he made every effort that would not have arisen, but they came against his will, then he comes to us or to the court and then to us, depending on the situation. And the insurer pays him "real damages" and not taken from the ceiling amount.
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