cciia.org.cn 2024-6-28 12:29:41 中國法院網
丁先生與王先生發生交通事故，經交通部門認定王先生負主要責任，丁先生負次要責任。王先生系肇事車輛的駕駛人，鴻達公司系其合作公司，肇事車輛在保險公司處投有保險，事故發生在保險期間內。事故發生后，丁先生訴至北京市海淀區人民法院。
海淀法院(yuan)經審理，判決保險公司(si)賠(pei)償(chang)丁先生醫(yi)療費(fei)(fei)(fei)60320.25元(yuan)(yuan)、營養費(fei)(fei)(fei)2625元(yuan)(yuan)、護理費(fei)(fei)(fei)9548元(yuan)(yuan)、誤工費(fei)(fei)(fei)53714.72元(yuan)(yuan)、殘疾賠(pei)償(chang)金117632.2元(yuan)(yuan)，以上共(gong)(gong)計243840.17元(yuan)(yuan)；鴻達公司(si)賠(pei)償(chang)丁先生住院(yuan)伙食補(bu)助費(fei)(fei)(fei)490元(yuan)(yuan)、交通費(fei)(fei)(fei)560元(yuan)(yuan)、精(jing)神損(sun)害撫慰金7000元(yuan)(yuan)、鑒定費(fei)(fei)(fei)2205元(yuan)(yuan)，以上共(gong)(gong)計10255元(yuan)(yuan)。
丁(ding)先(xian)(xian)(xian)生(sheng)(sheng)訴(su)稱，王(wang)先(xian)(xian)(xian)生(sheng)(sheng)駕駛(shi)(shi)電(dian)動(dong)自行(xing)車行(xing)駛(shi)(shi)過程中，與(yu)同向駕駛(shi)(shi)電(dian)動(dong)自行(xing)車的(de)(de)丁(ding)先(xian)(xian)(xian)生(sheng)(sheng)相撞。經道路交(jiao)通(tong)事故(gu)認定書認定，王(wang)先(xian)(xian)(xian)生(sheng)(sheng)負(fu)事故(gu)的(de)(de)主(zhu)要責(ze)任，丁(ding)先(xian)(xian)(xian)生(sheng)(sheng)負(fu)事故(gu)的(de)(de)次要責(ze)任。事故(gu)發生(sheng)(sheng)后(hou)，丁(ding)先(xian)(xian)(xian)生(sheng)(sheng)被(bei)送往醫院(yuan)急救，經過7天住(zhu)院(yuan)治療后(hou)出院(yuan)。經查，王(wang)先(xian)(xian)(xian)生(sheng)(sheng)系(xi)肇事車輛的(de)(de)駕駛(shi)(shi)人，鴻(hong)達(da)(da)公司(si)系(xi)其合作公司(si)，肇事車輛在(zai)保(bao)險(xian)(xian)公司(si)處投(tou)有保(bao)險(xian)(xian)，事故(gu)發生(sheng)(sheng)在(zai)保(bao)險(xian)(xian)期間(jian)內。故(gu)訴(su)至法院(yuan)，要求判決王(wang)先(xian)(xian)(xian)生(sheng)(sheng)、鴻(hong)達(da)(da)公司(si)、保(bao)險(xian)(xian)公司(si)賠償其醫療費、住(zhu)院(yuan)伙食補助(zhu)費、營養費、殘疾賠償金、護理費、誤工費、交(jiao)通(tong)費、精神損害撫慰金、鑒(jian)定費各項(xiang)損失(shi)共計300181.3元(yuan)。
王先生(sheng)辯稱，其是某外(wai)賣平臺騎(qi)手(shou)，事(shi)發時在(zai)送單，與(yu)鴻(hong)達(da)公(gong)司(si)簽署有服(fu)務合作(zuo)協議，系眾包(bao)外(wai)賣員，鴻(hong)達(da)公(gong)司(si)對每天上班(ban)時間、工(gong)作(zuo)量都有要求，其受公(gong)司(si)管理，責任(ren)應由(you)鴻(hong)達(da)公(gong)司(si)與(yu)保(bao)險公(gong)司(si)承擔。
鴻(hong)(hong)(hong)達公(gong)(gong)(gong)司(si)辯(bian)稱，第(di)一(yi)，本案(an)系王(wang)先(xian)(xian)(xian)生(sheng)(sheng)撞(zhuang)傷丁(ding)先(xian)(xian)(xian)生(sheng)(sheng)引起(qi)，丁(ding)先(xian)(xian)(xian)生(sheng)(sheng)認為(wei)鴻(hong)(hong)(hong)達公(gong)(gong)(gong)司(si)與王(wang)先(xian)(xian)(xian)生(sheng)(sheng)系雇傭(yong)關系而應當(dang)(dang)承擔(dan)賠償(chang)責(ze)(ze)任(ren)(ren)，而事實是王(wang)先(xian)(xian)(xian)生(sheng)(sheng)與鴻(hong)(hong)(hong)達公(gong)(gong)(gong)司(si)在平臺(tai)APP上網簽了服務合(he)(he)作協議，雙方屬于服務合(he)(he)作關系，不存在雇傭(yong)關系，鴻(hong)(hong)(hong)達公(gong)(gong)(gong)司(si)不是本案(an)適格被告。第(di)二(er)，訴請(qing)鴻(hong)(hong)(hong)達公(gong)(gong)(gong)司(si)承擔(dan)賠償(chang)責(ze)(ze)任(ren)(ren)沒有(you)任(ren)(ren)何(he)(he)法律依據(ju)。鴻(hong)(hong)(hong)達公(gong)(gong)(gong)司(si)無任(ren)(ren)何(he)(he)侵權行(xing)為(wei)。王(wang)先(xian)(xian)(xian)生(sheng)(sheng)在注(zhu)冊后第(di)一(yi)次(ci)跑單前(qian)會有(you)道路交通安全(quan)的前(qian)置視頻(pin)培(pei)訓，公(gong)(gong)(gong)司(si)沒有(you)過失(shi)，還盡到了安全(quan)培(pei)訓與提醒(xing)的責(ze)(ze)任(ren)(ren)，故(gu)不承擔(dan)賠償(chang)責(ze)(ze)任(ren)(ren)。第(di)三，丁(ding)先(xian)(xian)(xian)生(sheng)(sheng)訴請(qing)的賠償(chang)金額過高，請(qing)求(qiu)法院酌情裁量。第(di)四，為(wei)減少(shao)此類事故(gu)的騎手損(sun)失(shi)，鴻(hong)(hong)(hong)達公(gong)(gong)(gong)司(si)作為(wei)投保(bao)人(ren)為(wei)王(wang)先(xian)(xian)(xian)生(sheng)(sheng)在保(bao)險(xian)公(gong)(gong)(gong)司(si)投保(bao)意(yi)外險(xian)，其中(zhong)附帶(dai)30萬元限額的三者險(xian)，且本案(an)符(fu)合(he)(he)理賠條件，第(di)三人(ren)可以直接請(qing)求(qiu)保(bao)險(xian)公(gong)(gong)(gong)司(si)賠償(chang)，故(gu)保(bao)險(xian)公(gong)(gong)(gong)司(si)應當(dang)(dang)在30萬元三者險(xian)范圍內(nei)先(xian)(xian)(xian)行(xing)理賠。
保(bao)險(xian)(xian)公(gong)司辯稱，鴻(hong)達公(gong)司為(wei)王先生投保(bao)個人三者(zhe)責(ze)任(ren)保(bao)險(xian)(xian)，三者(zhe)責(ze)任(ren)包括(kuo)傷殘、意外醫療、財產損失(shi)共計30萬元(yuan)，保(bao)險(xian)(xian)公(gong)司僅在保(bao)單(dan)范圍內承擔賠(pei)償責(ze)任(ren)。保(bao)險(xian)(xian)公(gong)司認(ren)可(ke)主次分責(ze)，同(tong)(tong)意承擔70%的責(ze)任(ren)。醫療費(fei)應扣除自費(fei)部分，70%分責(ze)后認(ren)可(ke)43795.77元(yuan)。依據保(bao)險(xian)(xian)責(ze)任(ren)特(te)別約定條款，誤工費(fei)沒(mei)有勞動(dong)合同(tong)(tong)僅認(ren)可(ke)90天*100元(yuan)，沒(mei)有完稅證明(ming)最高不超過每(mei)月5000元(yuan)，期限最長90天，故誤工費(fei)分責(ze)后金(jin)額認(ren)可(ke)6300元(yuan)。營養費(fei)認(ren)可(ke)60天*40元(yuan)*70%=1680元(yuan)。護理費(fei)60天*120元(yuan)*70%=5040元(yuan)。殘疾賠(pei)償金(jin)按照(zhao)70%同(tong)(tong)意117632.2元(yuan)。其他訴求不在保(bao)險(xian)(xian)范圍內。
法院(yuan)經(jing)審理查明(ming)(ming)(ming)，鴻達公司為王先生投保了個人(ren)三(san)(san)者責任險(xian)(xian)。責任名稱：第(di)三(san)(san)者身故/傷殘責任限(xian)額、第(di)三(san)(san)者意外醫(yi)療責任限(xian)額、第(di)三(san)(san)者財產(chan)損(sun)失責任限(xian)額，共享保額30萬(wan)元(yuan)(yuan)。每次事(shi)故賠償(chang)限(xian)額30萬(wan)元(yuan)(yuan)。免賠說(shuo)明(ming)(ming)(ming)：詳見特(te)約(yue)。電子保險(xian)(xian)單特(te)別約(yue)定(ding)中第(di)6條載明(ming)(ming)(ming)，三(san)(san)者誤(wu)(wu)工(gong)(gong)(gong)費：暫時(shi)(shi)喪失工(gong)(gong)(gong)作能力期(qi)間，經(jing)醫(yi)院(yuan)證(zheng)(zheng)(zheng)(zheng)明(ming)(ming)(ming)，按(an)該三(san)(san)者的(de)工(gong)(gong)(gong)資(zi)(zi)(zi)(zi)(zi)給予賠償(chang)誤(wu)(wu)工(gong)(gong)(gong)費用，最長不超(chao)過90天(tian)。該三(san)(san)者的(de)工(gong)(gong)(gong)資(zi)(zi)(zi)(zi)(zi)是(shi)按(an)事(shi)故發(fa)生之日該三(san)(san)者的(de)前(qian)十(shi)(shi)二(er)個月(yue)的(de)平均工(gong)(gong)(gong)資(zi)(zi)(zi)(zi)(zi)計算(suan)。不足(zu)十(shi)(shi)二(er)個月(yue)按(an)實際月(yue)數平均。但用人(ren)單位已(yi)(yi)經(jing)補償(chang)的(de)工(gong)(gong)(gong)資(zi)(zi)(zi)(zi)(zi)部分(fen)，需要扣(kou)除，理賠時(shi)(shi)需要提(ti)(ti)供(gong)(gong)工(gong)(gong)(gong)資(zi)(zi)(zi)(zi)(zi)流水、收(shou)入證(zheng)(zheng)(zheng)(zheng)明(ming)(ming)(ming)等。月(yue)收(shou)入證(zheng)(zheng)(zheng)(zheng)明(ming)(ming)(ming)高于5000元(yuan)(yuan)的(de)，必須同時(shi)(shi)提(ti)(ti)供(gong)(gong)出險(xian)(xian)前(qian)十(shi)(shi)二(er)個月(yue)個人(ren)所得稅(shui)(shui)完稅(shui)(shui)憑證(zheng)(zheng)(zheng)(zheng)。理賠時(shi)(shi)若(ruo)通過稅(shui)(shui)單、工(gong)(gong)(gong)資(zi)(zi)(zi)(zi)(zi)流水已(yi)(yi)證(zheng)(zheng)(zheng)(zheng)明(ming)(ming)(ming)勞動關系和工(gong)(gong)(gong)資(zi)(zi)(zi)(zi)(zi)水平的(de)，無需提(ti)(ti)供(gong)(gong)勞動合同。若(ruo)三(san)(san)者無法提(ti)(ti)供(gong)(gong)工(gong)(gong)(gong)資(zi)(zi)(zi)(zi)(zi)證(zheng)(zheng)(zheng)(zheng)明(ming)(ming)(ming)以(yi)及繳稅(shui)(shui)證(zheng)(zheng)(zheng)(zheng)明(ming)(ming)(ming)，暫時(shi)(shi)喪失工(gong)(gong)(gong)作能力的(de)，經(jing)醫(yi)院(yuan)證(zheng)(zheng)(zheng)(zheng)明(ming)(ming)(ming)，誤(wu)(wu)工(gong)(gong)(gong)損(sun)失按(an)100元(yuan)(yuan)/天(tian)給付誤(wu)(wu)工(gong)(gong)(gong)津貼保險(xian)(xian)金，累計給付限(xian)90天(tian)。
法院經(jing)審理后認(ren)為，本案(an)中，根據鴻達(da)(da)公(gong)司提交的(de)(de)配(pei)(pei)送記錄(lu)，事(shi)故發生(sheng)(sheng)(sheng)時，王(wang)先(xian)(xian)(xian)生(sheng)(sheng)(sheng)正在配(pei)(pei)送外賣。根據王(wang)先(xian)(xian)(xian)生(sheng)(sheng)(sheng)與(yu)鴻達(da)(da)公(gong)司簽訂的(de)(de)服務(wu)合作(zuo)協(xie)議，綜合考慮鴻達(da)(da)公(gong)司參與(yu)了(le)王(wang)先(xian)(xian)(xian)生(sheng)(sheng)(sheng)的(de)(de)配(pei)(pei)送活(huo)動，向(xiang)其支付相應的(de)(de)服務(wu)費用(yong)(yong)，在對王(wang)先(xian)(xian)(xian)生(sheng)(sheng)(sheng)的(de)(de)管理、費用(yong)(yong)結(jie)算(suan)、權利義務(wu)、保(bao)險(xian)等方(fang)面扮演了(le)重要角(jiao)色，因此，王(wang)先(xian)(xian)(xian)生(sheng)(sheng)(sheng)事(shi)發時的(de)(de)配(pei)(pei)送行(xing)為應屬履行(xing)鴻達(da)(da)公(gong)司的(de)(de)職務(wu)行(xing)為，故對于王(wang)先(xian)(xian)(xian)生(sheng)(sheng)(sheng)在執行(xing)工作(zuo)任務(wu)中造成他人損(sun)害，應當(dang)由鴻達(da)(da)公(gong)司按照責任比例(li)承擔侵權責任。
公(gong)安機關交(jiao)(jiao)通(tong)管理(li)部(bu)(bu)門認定王先(xian)生(sheng)為(wei)(wei)主要責(ze)任，丁先(xian)生(sheng)為(wei)(wei)次要責(ze)任，就本(ben)案交(jiao)(jiao)通(tong)事故的(de)(de)具體責(ze)任比例(li)，法(fa)院(yuan)認定由(you)王先(xian)生(sheng)承(cheng)擔(dan)70%的(de)(de)責(ze)任，丁先(xian)生(sheng)承(cheng)擔(dan)30%的(de)(de)責(ze)任。因鴻達(da)公(gong)司(si)在保險公(gong)司(si)為(wei)(wei)王先(xian)生(sheng)投保了個人三者責(ze)任險，對于(yu)丁先(xian)生(sheng)的(de)(de)各項損(sun)(sun)失，屬于(yu)該保險賠償(chang)范圍內的(de)(de)損(sun)(sun)失由(you)保險公(gong)司(si)賠付(fu)，其余部(bu)(bu)分應由(you)鴻達(da)公(gong)司(si)承(cheng)擔(dan)賠償(chang)責(ze)任。法(fa)院(yuan)最終判決保險公(gong)司(si)賠償(chang)丁先(xian)生(sheng)醫療費(fei)(fei)60320.25元(yuan)(yuan)(yuan)(yuan)(yuan)、營養費(fei)(fei)2625元(yuan)(yuan)(yuan)(yuan)(yuan)、護(hu)理(li)費(fei)(fei)9548元(yuan)(yuan)(yuan)(yuan)(yuan)、誤工費(fei)(fei)53714.72元(yuan)(yuan)(yuan)(yuan)(yuan)、殘(can)疾賠償(chang)金117632.2元(yuan)(yuan)(yuan)(yuan)(yuan)，以上(shang)共計243840.17元(yuan)(yuan)(yuan)(yuan)(yuan)；鴻達(da)公(gong)司(si)賠償(chang)丁先(xian)生(sheng)住院(yuan)伙食(shi)補助費(fei)(fei)490元(yuan)(yuan)(yuan)(yuan)(yuan)、交(jiao)(jiao)通(tong)費(fei)(fei)560元(yuan)(yuan)(yuan)(yuan)(yuan)、精神損(sun)(sun)害撫(fu)慰金7000元(yuan)(yuan)(yuan)(yuan)(yuan)、鑒定費(fei)(fei)2205元(yuan)(yuan)(yuan)(yuan)(yuan)，以上(shang)共計10255元(yuan)(yuan)(yuan)(yuan)(yuan)。
宣(xuan)判后(hou)，各方當(dang)事人均未提起上訴，該(gai)判決現已生效。
法官說法
本案各方爭(zheng)議焦點(dian)為保(bao)(bao)(bao)(bao)險公(gong)(gong)司(si)(si)具(ju)體賠償(chang)范圍。保(bao)(bao)(bao)(bao)險公(gong)(gong)司(si)(si)主張其賠償(chang)范圍應(ying)當(dang)依據電(dian)子保(bao)(bao)(bao)(bao)險單特別約(yue)定嚴格界定。案涉保(bao)(bao)(bao)(bao)險合(he)(he)同(tong)為不(bu)足額保(bao)(bao)(bao)(bao)險，系保(bao)(bao)(bao)(bao)險公(gong)(gong)司(si)(si)根據保(bao)(bao)(bao)(bao)險合(he)(he)同(tong)的(de)(de)(de)(de)約(yue)定替代雇主承(cheng)(cheng)(cheng)擔部分賠償(chang)責(ze)(ze)任(ren)的(de)(de)(de)(de)險種，即保(bao)(bao)(bao)(bao)險公(gong)(gong)司(si)(si)依據保(bao)(bao)(bao)(bao)險單約(yue)定承(cheng)(cheng)(cheng)擔責(ze)(ze)任(ren)內的(de)(de)(de)(de)風(feng)險轉嫁，而非承(cheng)(cheng)(cheng)擔全部風(feng)險轉嫁。保(bao)(bao)(bao)(bao)單的(de)(de)(de)(de)特別約(yue)定屬于保(bao)(bao)(bao)(bao)險合(he)(he)同(tong)內容一部分，投(tou)保(bao)(bao)(bao)(bao)人提交的(de)(de)(de)(de)投(tou)保(bao)(bao)(bao)(bao)已(yi)確認，不(bu)屬于保(bao)(bao)(bao)(bao)險公(gong)(gong)司(si)(si)責(ze)(ze)任(ren)的(de)(de)(de)(de)免責(ze)(ze)條款(kuan)。因此，保(bao)(bao)(bao)(bao)險公(gong)(gong)司(si)(si)的(de)(de)(de)(de)賠償(chang)義務應(ying)當(dang)限于保(bao)(bao)(bao)(bao)險合(he)(he)同(tong)約(yue)定，而非按照人身(shen)損(sun)害賠償(chang)標準承(cheng)(cheng)(cheng)擔雇員的(de)(de)(de)(de)全部損(sun)失，不(bu)能任(ren)意擴大保(bao)(bao)(bao)(bao)險功能。
《中華(hua)人(ren)(ren)(ren)民共和國保(bao)(bao)險(xian)法》第十(shi)七(qi)條(tiao)第二(er)款規定：“對(dui)保(bao)(bao)險(xian)合同中免除保(bao)(bao)險(xian)人(ren)(ren)(ren)責任(ren)的條(tiao)款，保(bao)(bao)險(xian)人(ren)(ren)(ren)在訂立合同時應當在投保(bao)(bao)單、保(bao)(bao)險(xian)單或者(zhe)其他(ta)保(bao)(bao)險(xian)憑證上(shang)作出足(zu)以(yi)引起(qi)投保(bao)(bao)人(ren)(ren)(ren)注意(yi)的提示，并(bing)對(dui)該條(tiao)款的內容(rong)以(yi)書面(mian)或者(zhe)口頭(tou)形式向投保(bao)(bao)人(ren)(ren)(ren)作出明確說明；未作提示或者(zhe)明確說明的，該條(tiao)款不產生效力。”
根據(ju)《最高人(ren)民法院(yuan)關于適(shi)用〈中華人(ren)民共和國保(bao)險(xian)法〉若干問題(ti)的(de)解釋（二）》第九條(tiao)(tiao)第一款規(gui)定(ding)，保(bao)險(xian)人(ren)提供的(de)格式合同文(wen)本中的(de)責任(ren)(ren)(ren)免(mian)除(chu)條(tiao)(tiao)款、免(mian)賠(pei)(pei)額、免(mian)賠(pei)(pei)率(lv)、比(bi)例賠(pei)(pei)付(fu)或者給付(fu)等(deng)免(mian)除(chu)或者減輕保(bao)險(xian)人(ren)責任(ren)(ren)(ren)的(de)條(tiao)(tiao)款，可(ke)以認定(ding)為保(bao)險(xian)法第十七條(tiao)(tiao)第二款規(gui)定(ding)的(de)“免(mian)除(chu)保(bao)險(xian)人(ren)責任(ren)(ren)(ren)的(de)條(tiao)(tiao)款”。
保險(xian)(xian)(xian)公司雖稱雙方對保險(xian)(xian)(xian)責(ze)(ze)任范圍(wei)進行(xing)了(le)約(yue)定，但其中的(de)特(te)別約(yue)定內(nei)(nei)容系保險(xian)(xian)(xian)公司提供(gong)的(de)格式合同條(tiao)款(kuan)，且對賠付內(nei)(nei)容進行(xing)了(le)限縮性規定，顯然減輕(qing)了(le)保險(xian)(xian)(xian)人(ren)的(de)賠付責(ze)(ze)任，因此，保險(xian)(xian)(xian)公司抗(kang)辯該(gai)特(te)別約(yue)定屬于保險(xian)(xian)(xian)責(ze)(ze)任約(yue)定條(tiao)款(kuan)并非(fei)免責(ze)(ze)條(tiao)款(kuan)，依據(ju)不足，法院不予采信。
《最高人(ren)(ren)(ren)民(min)法院(yuan)關于適用(yong)〈中華人(ren)(ren)(ren)民(min)共和(he)國保險(xian)(xian)法〉若干問題(ti)的(de)解釋（二(er)）》第十二(er)條規定(ding)：“通(tong)過網(wang)絡、電話(hua)等方式訂立的(de)保險(xian)(xian)合同，保險(xian)(xian)人(ren)(ren)(ren)以網(wang)頁、音頻、視頻等形式對免除(chu)保險(xian)(xian)人(ren)(ren)(ren)責任(ren)條款(kuan)予以提示和(he)明確說明的(de)，人(ren)(ren)(ren)民(min)法院(yuan)可以認(ren)定(ding)其履(lv)行了提示和(he)明確說明義務。”
就(jiu)本案而言，鴻(hong)(hong)達公(gong)(gong)(gong)(gong)司(si)與(yu)保(bao)(bao)(bao)險(xian)(xian)公(gong)(gong)(gong)(gong)司(si)均認可(ke)雙方系(xi)通(tong)過網絡方式訂立的(de)(de)(de)保(bao)(bao)(bao)險(xian)(xian)合(he)同，因電(dian)子(zi)保(bao)(bao)(bao)險(xian)(xian)單特別約(yue)定內(nei)(nei)容(rong)系(xi)免責(ze)(ze)條(tiao)款，保(bao)(bao)(bao)險(xian)(xian)公(gong)(gong)(gong)(gong)司(si)作為保(bao)(bao)(bao)險(xian)(xian)人應對(dui)投保(bao)(bao)(bao)人就(jiu)電(dian)子(zi)保(bao)(bao)(bao)險(xian)(xian)單特別約(yue)定履行提(ti)示(shi)、釋明(ming)義務，否則(ze)該(gai)條(tiao)款不產生效(xiao)力(li)。現保(bao)(bao)(bao)險(xian)(xian)公(gong)(gong)(gong)(gong)司(si)提(ti)交(jiao)(jiao)的(de)(de)(de)雇主三者責(ze)(ze)任險(xian)(xian)尊享版電(dian)子(zi)保(bao)(bao)(bao)險(xian)(xian)單中，并未(wei)就(jiu)特別約(yue)定的(de)(de)(de)相(xiang)關(guan)內(nei)(nei)容(rong)采取以足以引起(qi)投保(bao)(bao)(bao)人注意的(de)(de)(de)文字、字體、符號或者其(qi)(qi)他明(ming)顯標(biao)志作出提(ti)示(shi)，保(bao)(bao)(bao)險(xian)(xian)公(gong)(gong)(gong)(gong)司(si)提(ti)交(jiao)(jiao)的(de)(de)(de)投保(bao)(bao)(bao)雇主三者險(xian)(xian)代(dai)理商的(de)(de)(de)操(cao)作流程演示(shi)，亦無法證明(ming)其(qi)(qi)對(dui)鴻(hong)(hong)達公(gong)(gong)(gong)(gong)司(si)履行了提(ti)示(shi)和明(ming)確(que)說(shuo)明(ming)義務。在保(bao)(bao)(bao)險(xian)(xian)公(gong)(gong)(gong)(gong)司(si)未(wei)提(ti)交(jiao)(jiao)有(you)效(xiao)證據證明(ming)其(qi)(qi)按照(zhao)上述法律條(tiao)款履行了提(ti)示(shi)和明(ming)確(que)說(shuo)明(ming)義務的(de)(de)(de)情形下，電(dian)子(zi)保(bao)(bao)(bao)險(xian)(xian)單特別約(yue)定內(nei)(nei)容(rong)對(dui)鴻(hong)(hong)達公(gong)(gong)(gong)(gong)司(si)不產生效(xiao)力(li)。故法院對(dui)保(bao)(bao)(bao)險(xian)(xian)公(gong)(gong)(gong)(gong)司(si)所持(chi)抗辯(bian)主張不予采納。
（文(wen)中人物均系化名）
日期：2024-6-28 12:29:41 | 關閉 |
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