| Case of Dispute over Liability for Motor Vehicle Traffic Accident—Is Injury Caused by the Driver Himself Fall under Compensation Scope of Compulsory Liability Insurance? Court: The Driver Who Got out of Car for Temporary Troubleshooting Is Not a Third Party | | 李某与保险公司等机动车交通事故责任纠纷上诉案——被自己开的车撞伤了 是否属于交强险赔偿范围 法院：驾驶人系临时下车排查故障 身份并未转化为第三者 |
| Vehicle insurance is a common guarantee used in emergencies such as traffic accidents and accidental collisions. But if you are injured by a car driven by yourself, will the insurance company compensate you? Recently, the Shanghai No. 1 Intermediate People's Court (hereinafter referred to as the "Shanghai No. 1 Intermediate Court") tried a case in which a driver got off to check the vehicle, but was accidentally injured by the vehicle. The second instance finally determined that the case did not fall within the compensation scope of Compulsory Traffic Accident Liability Insurance for Motor Vehicles (hereinafter "Compulsory Traffic Insurance"), and ordered not to compensate the victim. | | 车辆保险，是当发生交通事故、意外碰擦等突发情况时会用到的一项普遍的保障措施。但如果是被自己开的车撞伤，保险公司会不会赔偿呢？近日，上海市第一中级人民法院（以下简称“上海一中院”）审理了一起驾驶人下车检查车辆情况，却意外被该车撞伤的案件，二审最终认定本案不属于交强险赔偿范围，判决不予赔偿。 |
| ．．．．．． | | 【案情回放】 |
| | 李师傅是一名有二三十年驾龄的老司机了，供职于一家名叫路通的汽车服务公司。这天，他照常来到公司停车场内启动一辆纯电动汽车，准备开始工作。但奇怪的是，当他插上钥匙、踩上油门后，车子却一动不动。他又关闭了所有电源再重新打开电源，再次启动，车子依然停在原地。 |
| | “会不会是外部因素导致车子无法移动？”李师傅心想。于是他下了车，准备检查车外侧的电源开关。就在这时，车子忽然往前挪动，说时迟、那时快，车头正好撞上了在检查的李师傅，他一下就被撞倒在地。随后“砰”地一声，车子撞上了距离七八米远的另一辆车后停下了。 |
| | 李师傅爬起来后发现，自己的右手疼得厉害，好几个指头都动弹不得。他随即报了警，交警认定李师傅承担事故全部责任。随后李师傅去医院就诊，诊断结果显示他右手多指骨折并伴有肌腱断裂等。 |
| | 李师傅想，自己是下车检查车辆情况的，却意外被车撞伤，还要承担事故全责，应该找保险公司和路通公司索赔,遂诉至法院。 |
| | 李师傅提出因该事故产生的医疗费、车辆清障费等5万余元应由保险公司在交强险范围内承担赔偿责任，超出及不属于保险理赔部分由路通公司承担。 |
| | 保险公司认为路通公司为肇事车辆投保了交强险，交强险保险范围为除本车人员外的第三者。李师傅是车辆的驾驶员，即使因车辆发生故障下车检查，也还属于本车人员，不在保险赔偿范围。 |
| | 路通公司称李师傅是公司员工，肇事车辆的投保情况与保险公司的说法一致。 |
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