cciia.org.cn 2023-6-14 9:41:51 中(zhong)國法(fa)院(yuan)網
近日，陜西省城固縣(xian)人民法院審理(li)了一起因交通(tong)事故引發的責任保(bao)險合同(tong)糾紛案件(jian)。
案(an)涉車輛在(zai)保(bao)險(xian)公司(si)投(tou)保(bao)非機(ji)動車第三者責任保(bao)險(xian)，事故發(fa)生后，該車輛被鑒(jian)定(ding)為機(ji)動車，法院(yuan)一(yi)審判決保(bao)險(xian)公司(si)承擔理賠責任。保(bao)險(xian)公司(si)不(bu)服，遂提起上訴，二審法院(yuan)判決駁回上訴，維持原判。
2022年(nian)1月(yue)8日(ri)(ri)，原告(gao)牛某(mou)在被(bei)告(gao)保(bao)險(xian)公司(si)為其所有的電(dian)動(dong)(dong)(dong)四(si)(si)輪車(che)(che)輛(liang)(liang)投保(bao)非機(ji)(ji)動(dong)(dong)(dong)車(che)(che)第三者責任保(bao)險(xian)，保(bao)險(xian)期間自2022年(nian)1月(yue)至2023年(nian)1月(yue)8日(ri)(ri)二十(shi)四(si)(si)時(shi)止。同(tong)時(shi)保(bao)險(xian)合同(tong)對每次事(shi)故免賠(pei)率作(zuo)了特別(bie)約定(ding)(ding)。2022年(nian)11月(yue)17日(ri)(ri)，原告(gao)牛某(mou)駕(jia)駛(shi)四(si)(si)輪電(dian)動(dong)(dong)(dong)車(che)(che)沿316國道由東(dong)向(xiang)西(xi)行駛(shi)，與行人張某(mou)發(fa)生碰撞(zhuang)，張某(mou)經(jing)醫(yi)院搶救無效死(si)亡。2022年(nian)11月(yue)29日(ri)(ri)，城(cheng)固(gu)縣公安(an)局交警大隊委(wei)托司(si)法鑒(jian)定(ding)(ding)所對上述(shu)四(si)(si)輪電(dian)動(dong)(dong)(dong)車(che)(che)進行車(che)(che)輛(liang)(liang)技術狀況、碰撞(zhuang)痕跡、事(shi)發(fa)時(shi)車(che)(che)速、車(che)(che)輛(liang)(liang)屬性進行鑒(jian)定(ding)(ding)，后鑒(jian)定(ding)(ding)機(ji)(ji)構作(zuo)出機(ji)(ji)動(dong)(dong)(dong)車(che)(che)司(si)法鑒(jian)定(ding)(ding)意見書(shu)，鑒(jian)定(ding)(ding)意見為該四(si)(si)輪電(dian)動(dong)(dong)(dong)車(che)(che)車(che)(che)輛(liang)(liang)屬性為機(ji)(ji)動(dong)(dong)(dong)車(che)(che)。
同年12月9日(ri)，城固縣公安局交警大隊(dui)作出事(shi)故認定(ding)書，認定(ding)牛某(mou)負(fu)本起事(shi)故的全部責(ze)(ze)任(ren)，張(zhang)某(mou)無事(shi)故責(ze)(ze)任(ren)。2023年1月14日(ri)，牛某(mou)與張(zhang)某(mou)家屬(shu)達成賠償調解協議(yi)，并向(xiang)張(zhang)某(mou)家屬(shu)支付了賠償費用。后(hou)原(yuan)告(gao)牛某(mou)向(xiang)被(bei)(bei)告(gao)申請理(li)賠，被(bei)(bei)告(gao)以“根據(ju)保(bao)單特約(yue)，不屬(shu)于保(bao)險責(ze)(ze)任(ren)”為(wei)由，作出拒(ju)賠通知(zhi)書。原(yuan)告(gao)遂(sui)訴(su)至法(fa)院，要求被(bei)(bei)告(gao)在(zai)責(ze)(ze)任(ren)保(bao)險限額內(nei)向(xiang)原(yuan)告(gao)支付保(bao)險金。
法官說法
法院認(ren)為，投保(bao)(bao)人就涉案(an)車(che)輛向保(bao)(bao)險(xian)公司提(ti)出(chu)非機動(dong)車(che)第(di)三(san)者責任保(bao)(bao)險(xian)要求，即向保(bao)(bao)險(xian)公司發出(chu)了要約。保(bao)(bao)險(xian)公司在(zai)作出(chu)保(bao)(bao)險(xian)承諾前(qian)，有(you)義務對承保(bao)(bao)車(che)輛的(de)性質與(yu)險(xian)種(zhong)(zhong)是否(fou)相符進行(xing)審查(cha)，對經審查(cha)車(che)輛性質與(yu)險(xian)種(zhong)(zhong)不(bu)符的(de)，完全(quan)可以(yi)拒絕承保(bao)(bao)。
本(ben)案中(zhong)，從保(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)司(si)出(chu)具的保(bao)(bao)(bao)(bao)單來看，投保(bao)(bao)(bao)(bao)人(ren)(ren)在投保(bao)(bao)(bao)(bao)時向保(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)司(si)出(chu)具了(le)車(che)架號，保(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)司(si)在知(zhi)道或(huo)應(ying)(ying)(ying)當知(zhi)道涉(she)案車(che)輛(liang)屬超標電動車(che)屬性(xing)的狀況下(xia)，認可了(le)超標電動車(che)的非(fei)機動車(che)性(xing)質，并自(zi)愿承(cheng)保(bao)(bao)(bao)(bao)非(fei)機動車(che)商業三(san)者險(xian)(xian)，保(bao)(bao)(bao)(bao)險(xian)(xian)合同成立(li)并生效，保(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)司(si)應(ying)(ying)(ying)當承(cheng)擔相應(ying)(ying)(ying)保(bao)(bao)(bao)(bao)險(xian)(xian)責(ze)任(ren)(ren)。即使承(cheng)保(bao)(bao)(bao)(bao)車(che)輛(liang)性(xing)質與(yu)承(cheng)保(bao)(bao)(bao)(bao)險(xian)(xian)種不符，也是保(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)司(si)未盡到審查義務(wu)所(suo)致(zhi)，投保(bao)(bao)(bao)(bao)人(ren)(ren)并無過(guo)錯(cuo)，保(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)司(si)應(ying)(ying)(ying)自(zi)行承(cheng)擔不利(li)后果。另，保(bao)(bao)(bao)(bao)單中(zhong)雖然對每次事故(gu)免賠率作(zuo)出(chu)了(le)特別約(yue)定，但該(gai)約(yue)定系(xi)格式條款，且其內容免除了(le)保(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)依法應(ying)(ying)(ying)承(cheng)擔的義務(wu)或(huo)者加重(zhong)了(le)投保(bao)(bao)(bao)(bao)人(ren)(ren)、被保(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)的責(ze)任(ren)(ren)，根據法律規定，該(gai)條款無效。故(gu)被告(gao)保(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)司(si)應(ying)(ying)(ying)當在責(ze)任(ren)(ren)保(bao)(bao)(bao)(bao)險(xian)(xian)限額內向原告(gao)牛某支付保(bao)(bao)(bao)(bao)險(xian)(xian)金。
日期：2023-6-14 9:41:51 | 關閉 |
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