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Cheng Chunying v. Zhang Tao and Nanjing Branch of PICC Property & Casualty Co., Ltd.
程春颖诉张涛、中国人民财产保险股份有限公司南京市分公司机动车交通事故责任纠纷案
【法宝引证码】
  • Type of Dispute: Civil-->Tort
  • Procedural status: Other
  • Source: SPC Gazette, Issue 4, 2017 (No. 246)
 
  
Cheng Chunying v. Zhang Tao and Nanjing Branch of PICC Property & Casualty Co., Ltd. (Case about dispute over liability of motor vehicle traffic accidents) 程春颖诉张涛、中国人民财产保险股份有限公司南京市分公司机动车交通事故责任纠纷案
[Judgment Abstract] [裁判摘要]
Where the degree of peril of the subject matter insured greatly increases during the term of validity of the contract, the insured shall notify the insurer in a timely manner and the insurer may increase the insurance premium or rescind the contract. Where the insured fails to perform the notification obligation and an insured incident occurs because the degree of peril of the subject matter insured greatly increases, the insurer shall not be liable to pay indemnity. Since the vehicle insured in the name of domestic use engages in online booking business, the degree of peril of the vehicle greatly increases and the insured shall notify the insurance company in a timely manner. Where the insured fails to perform the notification obligation and a traffic accident occurs due to the insured's online booking business, the insurance company shall not be liable to pay indemnity within the coverage of the commercial third-party insurance. 在合同有效期内,保险标的的危险程度显著增加的,被保险人应当及时通知保险人,保险人可以增加保险费或者解除合同。被保险人未作通知,因保险标的危险程度显著增加而发生的保险事故,保险人不承担赔偿责任。以家庭自用名义投保的车辆从事网约车营运活动,显著增加了车辆的危险程度,被保险人应当及时通知保险公司。被保险人未作通知,因从事网约车营运发生的交通事故,保险公司可以在商业三者险范围内免赔。
Plaintiff: Cheng Chunying, female, 34 years old, Chinese Han, domiciled in Nanjing City, Jiangsu Province. 原告:程春颖
Defendant: Zhang Tao, male, 31 years old, Chinese Han, domiciled in Nanjing City, Jiangsu Province. 被告:张涛
Defendant: Nanjing Branch of PICC Property & Casualty Co., Ltd., domiciled in Longpan Middle Road, Xuanwu District, Nanjing City, Jiangsu Province. 被告:中国人民财产保险股份有限公司南京市分公司
...... 负责人:娄伟民,该分公司总经理。
 原告程春颖因与被告张涛、中国人民财产保险股份有限公司南京市分公司(以下简称人保南京分公司)发生机动车交通事故责任纠纷,向江苏省南京市江宁区人民法院提起诉讼。
 
 原告程春颖诉称:2015年7月28日,被告张涛驾驶轿车与原告程春颖驾驶的电动自行车碰撞,致程春颖受伤,车辆损坏。经鉴定,原告已构成九级和十级伤残。被告张涛驾驶的轿车在被告人保南京分公司投保了机动车交通事故责任强制保险(以下简称交强险)和第三者责任商业保险(以下简称商业三者险)。请求判令二被告赔偿医药费、营养费、残疾赔偿金等合计255 339.75元。
 被告张涛辩称:张涛没有过错,原告程春颖应当承担同等以上责任。张涛驾驶的轿车在被告人保南京分公司投保了交强险和商业三者险。张涛因分担油费成本而在下班途中顺路搭载乘客,不属于营运行为,未使车辆危险程度显著增加,应当由人保南京分公司在交强险及商业三者险限额内赔偿。
 被告人保南京分公司辩称:被告张涛没有过错,原告程春颖应当承担同等以上责任。张涛驾驶家庭自用车辆从事营运活动,改变车辆用途,危险程度显著增加,且张涛未通知人保南京分公司,人保南京分公司在商业三者险范围内免赔。
 江苏省南京市江宁区人民法院一审查明:
 2015年7月28日下午,被告张涛通过打车软件接到网约车订单一份,订单内容为将乘客从南瑞集团送至恒大绿洲小区。张涛驾驶其自有轿车至南瑞集团,接到网约车乘客。17时5分许,张涛驾车搭载网约车乘客,沿前庄路由西向东行驶至清水亭东路丁字路口往南右转弯过程中,遇原告程春颖驾驶电动自行车沿清水亭东路由北向南通过该路口,两车碰撞,致程春颖受伤、车辆损坏。南京市公安局江宁分局交通警察大队以无法查清程春颖遵守交通信号灯的情况为由,出具宁公交证字[2015]第0018号道路交通事故证明。
 原告程春颖受伤住院治疗,医院诊断其急性闭合性重型颅脑损伤。经鉴定,程春颖颅脑损伤所致轻度精神障碍,日常活动能力部分受限构成九级伤残;颅骨缺损6平方厘米以上构成十级伤残;误工期限180日,护理期限90日,营养期限90日。经审查确认原告因本次事故产生医疗费99 122.26元(其中张涛垫付59 321元,人保南京分公司垫付10 000元)、住院伙食补助费560元、营养费1350元、误工费3427.48元、护理费7650元、残疾赔偿金156 126.6元、精神损害抚慰金10 500元、交通费500元,合计279 236.34元。
 ......



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