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Wei Xinxi v. Zheshang Property and Casualty Insurance Company Limited
江苏南京溧水法院判决魏信喜诉浙商财险江苏分公司等机动车交通事故责任纠纷案
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   Wei Xinxi v. Zheshang Property and Casualty Insurance Company Limited
(case of dispute over the liability for automobile traffic accident)
江苏南京溧水法院判决魏信喜诉浙商财险江苏分公司等机动车交通事故责任纠纷案

[Key Terms] Written Conclusion on the Road Traffic Accident ; insurance contract
[核心术语] 交通事故认定书;保险合同

[Disputed Issues] 1. Where a traffic accident occurs on the road of a company, but no Written Conclusion on the Road Traffic Accident is produced by the transport department, whether the insurance company shall bear liability.
[争议焦点] 1.在公司的道路上发生交通事故,交通部门未出具交通事故认定书的,保险公司是否应承担责任?

[Case Summary] Traffic accident refers to an event in which a motor vehicle travelling on the road causes physical injuries or property damage. Road involves highways and urban roads as well as places that are managed by an entity where motor vehicles can travel. The Written Conclusion on the Road Traffic Accident produced by the transport department is not the only basis on which a court of law judges rights and obligations between parties involved as it can determine the respective liabilities of parties with evidence furnished by them. Under the provisions of Article 16 of the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Cases on Compensation for Damage in Road Traffic Accidents where a motor vehicle subject to the compulsory third-party liability vehicle insurance and commercial third-party liability insurance causes damages in a traffic accident the insurance company that underwrites the compulsory third-party liability vehicle insurance shall first make compensation within the liability limit...
[案例要旨] 交通事故是指车辆在道路上发生人身伤亡或者财产损失的事件。道路既包括公路和城市道路也包括单位管辖内允许机动车通行的地方。另交通部门出具的交通事故认定书并非法院判断当事人之间权利和义务内容的唯一依据法院可以当事人提供的证据...

The full text is omitted.

 

江苏南京溧水法院判决魏信喜诉浙商财险江苏分公司等机动车交通事故责任纠纷案 

 ——未作道路交通事故认定书的责任承担

 裁判要旨
 交通事故虽发生在公司内,公安交警大队未作出交通事故认定书,该事故仍属于道路交通事故,保险公司仍应按照交强险及保险合同约定的赔付范围承担责任。
 案情
 2012年3月6日19时许,江苏和旭物流有限公司(简称和旭公司)司机圣怀友驾驶苏A95422/苏A7062(挂)重型货车在南京金焰锶业有限公司(简称金焰公司)内发生溜坡,将位于其后下方魏信喜驾驶的装载机撞翻至坡下,造成魏信喜受伤及装载机损坏。苏A95422/苏A7062(挂)重型货车均在浙商财产保险股份有限公司江苏分公司(简称浙商财险江苏分公司)投保了机动车交通事故责任强制保险以及60万元的第三者责任商业保险,并含不计免赔特约险。事故均发生在保险期限内。
 金焰公司门口挂有“进出车辆须检查登记”以及“谨慎驾驶,切勿碰撞”字牌,限速10公里/小时标志。对此次交通事故,公安交警大队认为发生在公司内,未作出交通事故认定书。
 魏信喜驾驶的装载机为田明所有,田明将该装载机交给金焰公司使用,田明与魏信喜均为金焰公司职员。事故发生后和旭公司已支付魏信喜11万元,田明已支付魏信喜21119.67元。
 裁判
 江苏省南京市溧水区人民法院经审理认为,该事故发生在金焰公司内,该公司并没有禁止机动车辆通行的警示标志,根据道路交通安全法的规定,本起交通事故仍属于道路交通事故,应适用交强险及商业三者险的相关规定。被告圣怀友驾驶苏A95422/苏A7062(挂)重型货车,应当遵守道路交通安全法律法规的规定,按照操作规范安全驾驶、文明驾驶。其在金焰公司内驾驶该重型货车过程中导致该车溜坡,并将其后下方由魏信喜驾驶的装载机撞翻至坡下,导致魏信喜受伤,圣怀友应承担事故的全部责任。魏信喜在本次事故中不存在过错,不承担事故的责任。法院判决:对魏信喜的合理损失342186.55元,由浙商财险江苏分公司在交强险限额内赔偿其24万元,在商业三者险限额内赔偿其102186.55元;魏信喜应返还田明支付的21119.67元,返还和旭公司给付的11万元;驳回魏信喜要求由田明、圣怀友、和旭公司给付赔偿款及其他诉讼请求。
 ......



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