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Zhenjiang Jiulong Heavy-Cargo Transport Company v. People's Insurance Company of China, Nanjing Branch (dispute over the insurance contract)
镇江九龙大件运输公司诉中国人民财产保险股份有限公司南京分公司保险合同纠纷案——交强险保险事故的认定及格式免责条款的司法审查
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   Zhenjiang Jiulong Heavy-Cargo Transport Company v. People's Insurance Company of China, Nanjing Branch (dispute over the insurance contract)
(dispute over the insurance contract)
镇江九龙大件运输公司诉中国人民财产保险股份有限公司南京分公司保险合同纠纷案——交强险保险事故的认定及格式免责条款的司法审查

[Key Terms] mandatory motor vehicle third party liability insurance (MTP) ; insurance coverage ; road traffic accident
[核心术语] 交强险;承保范围;道路交通事故

[Disputed Issues]
Whether the damages arising from lifting and other operations of the insured vehicle are covered by the MTP?
[争议焦点] 被保险车辆从事起吊等施工作业所引发的损害赔偿是否属于交强险所承保的保险责任范围?

[Case Summary]
MTP refers to the mandatory liability insurance under which the insurance company promises to pay compensation to the victim (excluding passengers and the insured) within the liability limits for the personal injury death and/or property loss and damage arising from road traffic accident caused by the insured motor vehicles. Pursuant to related laws and regulations in China a road traffic accident refers to an incident of a vehicle running on road causing personal injury or death and/or property loss and damage due to fault or accident. A traffic accident shall contain the following elements: (1) caused by a vehicle; (2) occurring on road. “Road” means a highway an urban road or an area which...
[案例要旨] 交强险的全称是“机动车交通事故责任强制保险”是由保险公司对被保险机动车发生道路交通事故造成受害人(不包括本车人员和被保险人)的人身伤亡、财产损失在责任限额内予以赔偿的强制性责任保险。按照我国相关法律的规定道路交通事故...

Full-text is omitted.

 

镇江九龙大件运输公司诉中国人民财产保险股份有限公司南京分公司保险合同纠纷案——交强险保险事故的认定及格式免责条款的司法审查

  关键词:交强险;保险事故认定;格式免责条款;明确说明义务;履行标准;效力评价
 【裁判要点】
 交强险保险事故认定以是否属于“交通事故”为核心。交通事故的认定不以是否“在道路上”这一场所限制为要件,应当以车辆是否处于作为交通工具使用的通行状态为核心要件。
 保险合同格式免责条款的司法审查,应当尊重保险合同的特殊性,以合法性与合理性为基准,审慎地对格式免责条款进行效力评价。
 【相关法条】
 中华人民共和国保险法》第十七条订立保险合同,采用保险人提供的格式条款的,保险人向投保人提供的投保单应当附格式条款,保险人应当向投保人说明合同的内容。
 对保险合同中免除保险人责任的条款,保险人在订立合同时应当在投保单、保险单或者其他保险凭证上作出足以引起投保人注意的提示,并对该条款的内容以书面或者口头形式向投保人作出明确说明;未作提示或者明确说明的,该条款不产生效力。
 第十九条采用保险人提供的格式条款订立的保险合同中的下列条款无效:
 (一)免除保险人依法应承担的义务或者加重投保人、被保险人责任的;
 (二)排除投保人、被保险人或者受益人依法享有的权利的。
 中华人民共和国道路交通安全法》第七十七条车辆在道路以外通行时发生的事故,公安机关交通管理部门接到报案的,参照本法有关规定办理。
 【案件索引】
 一审:江苏省南京市玄武区人民法院(2012)玄商初字第194号(2012年7月9日)
 二审:江苏省南京市中级人民法院(2012)宁商终字第952号(2012年11月22日)
 【基本案情】
 原告镇江九龙大件运输有限公司(以下简称运输公司)诉称:被保险起重机已在保险公司处投保了交强险和第三者责任保险,保险期限内,该起重机将王某碰伤,运输公司为此支付了医疗费234263.43元,保险公司应当按照合同约定承担保险赔偿责任。请求判令保险公司支付保险赔偿金21万元,并承担本案诉讼费用。
 被告中国人民财产保险股份有限公司南京分公司(以下简称保险公司)辩称:本案所涉事故不属于交强险范围内的保险事故,故对运输公司所主张的交强险责任限额范围内的医疗费1万元不予理赔。伤者王某系运输公司雇员,被保险人向雇员承担的赔偿责任,属于第三者责任保险的免责范围,保险公司亦不承担保险赔偿责任。综上,请求驳回运输公司的诉讼请求。
 ......



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