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Zheng Shiqi v. Samsung Property & Casualty Insurance Company (China), Ltd. (Dispute over Property Insurance Contracts)
郑诗琦诉三星财产保险(中国)有限公司财产保险合同纠纷案
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Zheng Shiqi v. Samsung Property & Casualty Insurance Company (China), Ltd. (Dispute over Property Insurance Contracts) 郑诗琦诉三星财产保险(中国)有限公司财产保险合同纠纷案
[Summary] [裁判摘要]
The insured leases out the insured vehicle agreed upon to be used for “non-business individuals” to another person, and allows the lessee to sublet it to unspecified users through the Internet, which constitutes a commercial use for the purpose of obtaining rental income. It changes the use of the subject of insurance, and exceeds the coverage of the insurance contract foreseen or should be foreseen by the insurer when the insurance contract is concluded, which falls under the circumstances where the degree of peril of the subject matter insured greatly increases as prescribed in Article 52 of the Insurance Law. 被保险人将约定用途为“非营业个人”的被保险车辆出租给他人,并允许承租人通过网络向不特定用户转租,系以获取租金收益为目的的商业性使用,改变了保险标的的用途,且超出保险合同订立时保险人预见或应当预见的保险合同的承保范围,属于保险法五十二条危险程度显著增加的情形。
The Plaintiff: Zheng Shiqi. 原告:郑诗琦。
The Defendant: Samsung Property & Casualty Insurance Company (China), Ltd., domicile: Wuzhong Road, Minhang District, Shanghai. 被告:三星财产保险(中国)有限公司。
The legal representative: Ji Qingxie, the general manager of the company. 法定代表人:吉庆燮,该公司总经理。
Zheng Shiqi, the plaintiff, filed a lawsuit with the Minhang District People's Court of Shanghai Municipality for a property insurance contract dispute with the defendant Samsung Property & Casualty Insurance Company (China), Ltd. (hereinafter referred to as “Samsung Company”). 原告郑诗琦因与被告三星财产保险(中国)有限公司(以下简称三星公司)发生财产保险合同纠纷,向上海市闵行区人民法院提起诉讼。
Zheng Shiqi, the plaintiff, claimed that on June 26, 2018, the plaintiff took out car damage insurance and non-deductible insurance at the defendant Samsung Company, and the insurance period lasted from August 10, 2018, to August 9, 2019. On December 23, 2018, Xiao Han, a person who is not involved in the case, drove a car with a plate number of Shanghai BWxxxx, which is owned by the plaintiff, and had an accident in Jiulongshan Resort, Huangguji Town, Pinghu City, Zhejiang Province. A written conclusion on the road traffic accident issued by the Traffic Police Detachment of Pinghu City confirmed that Xiao Han should take full responsibility for the accident. After the Shanghai Road Traffic Accident Damage Assessment Center evaluated the repair price for the vehicle with a plate number of Shanghai BWxxxx that is involved in the accident, the repair price for the vehicle was 145,786 yuan, for which the assessment fee was 3,910 yuan, and the cost of rescue was 250 yuan, totaling 149,946 yuan. The plaintiff holds that there is a legal and effective insurance contract relationship between the plaintiff and the defendant, and that the accident occurred during the insurance period, for reason that the accident caused damage to the plaintiff's vehicle. The plaintiff applied to the defendant for claim settlement, and the defendant refused to compensate on the grounds that the plaintiff changed the use of the insured vehicle. The plaintiff contends that the use of the insured vehicle has not changed, so he filed a lawsuit claiming that the defendant should compensate the plaintiff for a total of 149,946 yuan worth of vehicle maintenance and rescue. 原告郑诗琦诉称:2018年6月26日,原告在被告三星公司处投保了车损险及不计免赔险,保险期间自2018年8月10日至2019年8月9日止。2018年12月23日,案外人肖韩驾驶原告所有的沪BWxxxx车辆在浙江省平湖市黄姑集镇九龙山度假景区发生事故,经平湖市交通警察支队出具道路交通事故认定书认定肖韩负事故全部责任。后经上海道路交通事故物损评估中心对事故车辆沪BWxxxx进行修复价格评估,沪BWxxxx车辆市场修复价格为145 786元,为此支付评估费3910元,事故施救费用250元,以上共计149 946元。原告认为,原、被告之间存在合法有效的保险合同关系,且事故发生在保险期间内,因发生事故致使原告车辆受损。原告向被告申请理赔,被告以原告改变被保险车辆用途为由拒绝赔偿。原告认为被保险车辆的用途没有改变,特提起诉讼,请求被告赔偿原告车辆维修费、施救费等149946元。
The defendant Samsung Company argued that it had no objection to the course of the accident described by Zheng Shiqi, the liability confirmation by the traffic police, and vehicle insurance, but the defendant refused to compensate. This is because the insured vehicle was in an accident during the lease period, and the plaintiff changed the use of the insured vehicle, resulting in a significant increase in danger. In accordance with Article 52 of the Insurance Law of the People's Republic of China, no compensation shall be granted. 被告三星公司辩称:对原告郑诗琦所述事故发生经过、交警责任认定以及车辆投保情况无异议,但是被告不同意赔偿。因为被保险车辆是在租赁期间发生的事故,原告改变了被保险车辆的用途导致危险显著增加,依据《中华人民共和国保险法》第五十二条的规定,不予赔偿。
The Minhang District People's Court of Shanghai Municipality ascertained: 上海市闵行区人民法院一审查明:
The Shanghai BWxxxx car is owned by the plaintiff Zheng Shiqi. The plaintiff took out the vehicle comprehensive commercial insurance for the car from the defendant Samsung Company, and the insurance period lasted from August 10, 2018, to August 9, 2019. "Non-business Individual" is indicated in the column of the nature of use in the Motor Vehicle Comprehensive Commercial Insurance Policy. The column of the important notice indicates that "If the insured motor vehicle is refitted or installed or the nature of use is changed, which leads to a significant increase in the degree of danger, or is resold, transferred or gifted to others, the insurer shall be informed in writing and the formalities for change shall be undergone." 沪BWxxxx小型轿车为原告郑诗琦所有。原告为该车向被告三星公司投保机动车综合商业保险,保险期间自2018年8月10日至2019年8月9日止;《机动车综合商业保险保险单》使用性质一栏注明“非营业个人”;重要提示一栏注明“被保险机动车因改装、加装、改变使用性质等导致危险程度显著增加以及转卖、转让、赠送他人的,应书面通知保险人并办理变更手续。”
Zheng Shiqi, the plaintiff, leased out the Shanghai BWxxxx car to Song Ziyu (WeChat nickname), a person who is not involved in the case. On December 23, 2018, Song Ziyu leased the Shanghai BWxxxx car to Yu Shixin, a person who is not involved in the case, and collected rent and deposit totaling 3,100 yuan. Yu Shixin then had the car driven by Xiao Han. At around 23:40 on December 23, 2018, when Xiao Han drove the car along the road in Jiulongshan Resort, Dushangang Town, Pinghu City, Zhejiang Province to the accident section, the car ran off the road and collided with the mountain because it was trying to avoid animals, causing vehicle damage. The Traffic Police Brigade of Pinghu City Public Security Bureau determined that Xiao Han should take full responsibility. 原告郑诗琦将沪BWxxxx小型轿车租赁给案外人宋子玉(微信名)。2018年12月23日,宋子玉将沪BWxxxx小型轿车租赁给案外人于仕鑫,并收取租金及押金共计3100元。于仕鑫将该车交由肖韩驾驶。2018年12月23日23时40分许,肖韩驾驶该车沿浙江省平湖市独山港镇九龙山度假景区内道路行驶至事发路段时因避让动物导致车辆失控冲出路面,与山体相撞,造成车辆损坏的事故。平湖市公安局交警大队认定肖韩负全部责任。
On January 14, 2019, the defendant Samsung Company issued the Notice of Motor Vehicle Insurance Claim Rejection to the plaintiff Zheng Shiqi, refusing to compensate for the losses caused by the Shanghai BWxxxx car in the above accident on the grounds that it did not fall within the scope of insurance liability compensation. 2019年1月14日,被告三星公司向原告郑诗琦出具《机动车辆保险拒赔通知书》,对沪BWxxxx小型轿车在上述事故中产生的损失以不属于保险责任赔偿范围为由,拒绝赔偿。
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