cciia.org.cn 2023-11-2 10:33:46 人民法院報
游客在(zai)上廁(ce)所時不慎摔傷，旅(lv)行社稱其不存在(zai)侵權行為，拒絕承(cheng)擔(dan)責(ze)任(ren)。近日，湖南省(sheng)湘潭市(shi)岳塘區(qu)人民法(fa)(fa)院審(shen)理了一起旅(lv)游合同糾紛案，法(fa)(fa)院判(pan)決甲保(bao)(bao)險(xian)公司向(xiang)戴(dai)某(mou)支付保(bao)(bao)險(xian)金(jin)21616.14元，乙保(bao)(bao)險(xian)公司向(xiang)戴(dai)某(mou)支付保(bao)(bao)險(xian)金(jin)22597.02元。
2022年6月8日(ri)，戴某(mou)(mou)(mou)與(yu)某(mou)(mou)(mou)旅(lv)行(xing)社簽訂團隊(dui)境內旅(lv)游合同。次日(ri)，旅(lv)行(xing)社組織戴某(mou)(mou)(mou)等人旅(lv)游。其間(jian)，戴某(mou)(mou)(mou)在(zai)上廁所時摔倒(dao)致使(shi)手部(bu)受傷。之后(hou)，戴某(mou)(mou)(mou)繼續(xu)上車隨(sui)(sui)旅(lv)游團前往下(xia)一個游覽地點。在(zai)吃(chi)午飯時，戴某(mou)(mou)(mou)因手部(bu)疼痛(tong)在(zai)同行(xing)旅(lv)游人員的陪同下(xia)前往醫(yi)院(yuan)治(zhi)療，診斷為右尺(chi)骨莖(jing)突骨折(zhe)伴橈骨遠端骨折(zhe)，隨(sui)(sui)后(hou)住院(yuan)治(zhi)療22天，花費(fei)醫(yi)療費(fei)13006.82元。經鑒定，戴某(mou)(mou)(mou)構成(cheng)十級傷殘，建議后(hou)續(xu)門診治(zhi)療三個月。旅(lv)行(xing)社在(zai)甲保(bao)(bao)險(xian)(xian)公司投(tou)保(bao)(bao)了財產保(bao)(bao)險(xian)(xian)附加(jia)旅(lv)行(xing)期間(jian)醫(yi)療費(fei)用(yong)補償保(bao)(bao)險(xian)(xian)和旅(lv)行(xing)意外傷害保(bao)(bao)險(xian)(xian)款，在(zai)乙保(bao)(bao)險(xian)(xian)公司購買(mai)了旅(lv)行(xing)社責任保(bao)(bao)險(xian)(xian)。戴某(mou)(mou)(mou)訴(su)至(zhi)法(fa)院(yuan)要求賠償，旅(lv)行(xing)社以及(ji)兩家保(bao)(bao)險(xian)(xian)公司共同辯稱，戴某(mou)(mou)(mou)在(zai)游玩過程中因自己疏忽大意摔傷導致損(sun)失，旅(lv)行(xing)社不(bu)存(cun)在(zai)侵(qin)權(quan)行(xing)為，不(bu)承擔責任。
法院(yuan)審理后(hou)認(ren)為(wei)(wei)，本案系旅(lv)游(you)合(he)(he)同糾紛。戴(dai)某(mou)與旅(lv)行(xing)(xing)(xing)社(she)(she)(she)之間的(de)旅(lv)游(you)合(he)(he)同合(he)(he)法有效。根據庭審查明的(de)事(shi)實(shi)，戴(dai)某(mou)在(zai)(zai)旅(lv)行(xing)(xing)(xing)社(she)(she)(she)安(an)排(pai)的(de)旅(lv)游(you)過(guo)程(cheng)(cheng)中上(shang)(shang)(shang)廁(ce)所時摔傷屬實(shi)。關于戴(dai)某(mou)的(de)損失(shi)承(cheng)(cheng)擔(dan)問題，旅(lv)行(xing)(xing)(xing)社(she)(she)(she)在(zai)(zai)甲保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)公(gong)(gong)司投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)了(le)醫(yi)(yi)療費用補償(chang)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)、旅(lv)行(xing)(xing)(xing)意(yi)外(wai)(wai)傷害(hai)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)單約定：被保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)人(ren)在(zai)(zai)旅(lv)行(xing)(xing)(xing)期間遭受意(yi)外(wai)(wai)事(shi)故或突(tu)發(fa)急(ji)性疾病，就(jiu)合(he)(he)理醫(yi)(yi)療費用超過(guo)100元的(de)部(bu)分按照90%比例給(gei)付(fu)醫(yi)(yi)療保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)金(jin)；保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)人(ren)按照人(ren)身保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)傷殘(can)程(cheng)(cheng)度(du)一(yi)(yi)(yi)(yi)至十級，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)金(jin)給(gei)付(fu)比例分別為(wei)(wei)100%至10%。戴(dai)某(mou)摔傷的(de)損失(shi)合(he)(he)計(ji)(ji)96946.54元。因(yin)此，甲保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)公(gong)(gong)司對旅(lv)游(you)者(zhe)因(yin)意(yi)外(wai)(wai)造成的(de)損失(shi)承(cheng)(cheng)擔(dan)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)責(ze)(ze)任(ren)(ren)，其(qi)中醫(yi)(yi)療費保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)賠(pei)償(chang)金(jin)11616.14元，傷殘(can)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)賠(pei)償(chang)金(jin)10000元，合(he)(he)計(ji)(ji)21616.14元。對于戴(dai)某(mou)其(qi)余損失(shi)，戴(dai)某(mou)作為(wei)(wei)完全(quan)民(min)事(shi)行(xing)(xing)(xing)為(wei)(wei)能力(li)人(ren)，在(zai)(zai)上(shang)(shang)(shang)廁(ce)所過(guo)程(cheng)(cheng)中未盡到(dao)注意(yi)義(yi)務，應(ying)當(dang)(dang)對損失(shi)承(cheng)(cheng)擔(dan)主要責(ze)(ze)任(ren)(ren)；旅(lv)行(xing)(xing)(xing)社(she)(she)(she)未舉證(zheng)證(zheng)明其(qi)在(zai)(zai)游(you)客(ke)自由活動期間盡到(dao)了(le)安(an)全(quan)提醒(xing)義(yi)務，且在(zai)(zai)游(you)客(ke)受傷后(hou)，旅(lv)行(xing)(xing)(xing)社(she)(she)(she)領隊知曉(xiao)這一(yi)(yi)(yi)(yi)事(shi)情后(hou)沒有及時安(an)排(pai)游(you)客(ke)就(jiu)醫(yi)(yi)而是(shi)繼續(xu)下一(yi)(yi)(yi)(yi)行(xing)(xing)(xing)程(cheng)(cheng)，亦存在(zai)(zai)過(guo)錯(cuo)。法院(yuan)認(ren)定，對戴(dai)某(mou)的(de)損失(shi)戴(dai)某(mou)自行(xing)(xing)(xing)承(cheng)(cheng)擔(dan)70%責(ze)(ze)任(ren)(ren)，旅(lv)行(xing)(xing)(xing)社(she)(she)(she)承(cheng)(cheng)擔(dan)30%責(ze)(ze)任(ren)(ren)，即應(ying)當(dang)(dang)承(cheng)(cheng)擔(dan)22597.02元。旅(lv)行(xing)(xing)(xing)社(she)(she)(she)在(zai)(zai)乙(yi)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)公(gong)(gong)司處投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)了(le)旅(lv)行(xing)(xing)(xing)社(she)(she)(she)責(ze)(ze)任(ren)(ren)險(xian)，乙(yi)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)公(gong)(gong)司對旅(lv)行(xing)(xing)(xing)社(she)(she)(she)承(cheng)(cheng)擔(dan)責(ze)(ze)任(ren)(ren)范(fan)圍內(nei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)賠(pei)償(chang)責(ze)(ze)任(ren)(ren)，故乙(yi)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)公(gong)(gong)司應(ying)當(dang)(dang)賠(pei)償(chang)戴(dai)某(mou)各項損失(shi)共計(ji)(ji)22597.02元。綜上(shang)(shang)(shang)，法院(yuan)遂(sui)作出上(shang)(shang)(shang)述判決。一(yi)(yi)(yi)(yi)審判決后(hou)，雙方未提起上(shang)(shang)(shang)訴，判決發(fa)生法律效力(li)，目(mu)前賠(pei)付(fu)已到(dao)位(wei)。
■法官提醒
近年(nian)來，“老年(nian)游(you)(you)(you)”持續升溫的同(tong)時，安(an)(an)全(quan)(quan)問題也不容(rong)忽視。在旅(lv)(lv)(lv)(lv)行(xing)(xing)(xing)時，老年(nian)人自身(shen)對(dui)身(shen)體健康負(fu)有安(an)(an)全(quan)(quan)注意義(yi)務，外(wai)(wai)出旅(lv)(lv)(lv)(lv)游(you)(you)(you)要量力而(er)行(xing)(xing)(xing)，避(bi)免過度疲(pi)勞(lao)，發生意外(wai)(wai)時及時向旅(lv)(lv)(lv)(lv)行(xing)(xing)(xing)社(she)(she)求助。作(zuo)為旅(lv)(lv)(lv)(lv)行(xing)(xing)(xing)社(she)(she)，對(dui)游(you)(you)(you)客負(fu)有安(an)(an)全(quan)(quan)保(bao)(bao)障(zhang)義(yi)務，應(ying)(ying)詳細告知旅(lv)(lv)(lv)(lv)游(you)(you)(you)合同(tong)、行(xing)(xing)(xing)程(cheng)單、安(an)(an)全(quan)(quan)告知書(shu)等。旅(lv)(lv)(lv)(lv)游(you)(you)(you)者在自行(xing)(xing)(xing)安(an)(an)排活動期間，旅(lv)(lv)(lv)(lv)行(xing)(xing)(xing)社(she)(she)應(ying)(ying)盡(jin)到安(an)(an)全(quan)(quan)提(ti)示、救(jiu)助義(yi)務，一(yi)旦游(you)(you)(you)客發生意外(wai)(wai)事件，旅(lv)(lv)(lv)(lv)行(xing)(xing)(xing)社(she)(she)應(ying)(ying)緊急送醫、妥善(shan)處(chu)置(zhi)，并根(gen)據保(bao)(bao)險合同(tong)條款處(chu)理賠(pei)付事宜，否則應(ying)(ying)對(dui)旅(lv)(lv)(lv)(lv)游(you)(you)(you)者的人身(shen)損(sun)害(hai)、財產損(sun)失承(cheng)擔相應(ying)(ying)責(ze)任。本案中(zhong)，領隊得(de)知戴某摔傷了(le)手(shou)后，仍(reng)然帶領戴某繼續跟團旅(lv)(lv)(lv)(lv)游(you)(you)(you)，沒有及時就醫，應(ying)(ying)承(cheng)擔一(yi)定法律責(ze)任。
日期：2023-11-2 10:33:46 | 關閉 |
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