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保险案例

实习期驾车上高速,出了车祸是否赔?

    三分飞艇

    JIASHISHIXIQINEIJIASHICHELIANGSHANGGAOSULUFASHENGJIAOTONGSHIGU,BAOXIANGONGSIYIJIASHIYUANSHANGZAISHIXIQIBUDEDANDUSHANGGAOSUWEIYOU,JUJUELIPEICHELIANGSHANGYEXIAN。JINRI,ZHEJIANGJIAXINGMOUFAYUANPANJUEBAOXIANGONGSIBUCUNZAIMIANZEQINGXING,PANLINGBAOXIANGONGSIZHIFUBAOXIANPEIKUAN5WANYUYUAN。

    实习期未满上高速出了车祸

    三分飞艇 YUANGAOZHEJIANGMOUFUSHIGONGSIWEIGONGSISUOYOUDEAODIJIAOCHETOUBAOLECHELIANGSUNSHIXIAN、DISANZHESHANGYEZERENXIANDENGXIANZHONG,BAOXIANQIJIANZI2018NIAN3YUE19RIZHI2019NIAN3YUE19RIZHI。QUNIAN10YUE16RI,CHUYUJIASHISHIXIQINEIDEGAIGONGSIYUANGONGZHAOMOUJIASHIBEIBAOXIANCHELIANGZAISHENJIAHUGAOSUGONGLU101KMGUANYINQIAOSHUNIUDUANFASHENGPENGZHUANGTARENCHELIANGDEJIAOTONGSHIGU。

    三分飞艇 GAOSUZHIFABUMENRENDING,ZHAOMOUJIASHIJIDONGCHEXINGWEIWEIFAN《DAOLUJIAOTONGANQUANFASHISHITIAOLI》YOUGUANGAOSUGONGLUXINGSHIYUTONGCHEDAOQIANCHEBAOCHIYIDINGJULIZHIGUIDING,ZHAOMOUCHENGDANBENCIDAOLUJIAOTONGSHIGUDEQUANBUZEREN。

    三分飞艇 ZHIHOU,YOUYUBAOXIANPEICHANGMEIYOUDACHENGXIESHANGCHULI,FUSHIGONGSIJIANGCHENGBAOSHIGUCHELIANGDEBAOXIANGONGSIGAODAOLEFAYUAN,YAOQIUBAOXIANGONGSIZAISHANGYEXIANFANWEINEIPEICHANGCHELIANGWEIXIUFEIDENGSUNSHIGONGJI5WANYUYUAN。

    争议焦点

    实习期上高速出事故保险公司是否免责

    三分飞艇 CHEFANGHEBAOXIANGONGSIJIANGZHENGYIJIAODIANJIZHONGZAILEJIASHIRENZAISHIXIQINEIDANDUJIASHIJIDONGCHEZAIGAOSUGONGLUXINGSHIZAOCHENGJIAOTONGSHIGUSHIFOUSHUYUBAOXIANRENMIANCHUBAOXIANZERENDEQINGXING。

    BAOXIANGONGSIRENWEI,BAOXIANGONGSIBUYINGDANGCHENGDANBAOXIANPEICHANGZEREN。JIASHIYUANZHAOMOUZAIJIAOTONGSHIGUFASHENGSHISHANGCHUYUJIASHIZHENGSHIXIQINEI,QIWEIFANLE《JIDONGCHEJIASHIZHENGSHENLINGHESHIYONGGUIDING》DIQISHIWUTIAODIERKUAN“JIASHIRENZAISHIXIQINEIJIASHIJIDONGCHESHANGGAOSUGONGLUXINGSHI,YINGDANGYOUCHIXIANGYINGHUOZHEGENGGAOZHUNJIACHEXINGJIASHIZHENG3NIANYISHANGDEJIASHIRENPEITONG”DEGUIDING,SHUYUWUYOUXIAOJIASHIZIGEDEQINGKUANG。SUOYI,BAOXIANGONGSIYINGDANGMIANCHUPEICHANGZEREN。

    三分飞艇 CHEFANGZERENWEI,BAOXIANGONGSIYINGDANGCHENGDANBAOXIANPEICHANGZEREN。SHUANGFANGZAIBAOXIANHETONGTIAOKUANZHONGBINGMEIYOUGUANYU“JIASHIRENZAISHIXIQINEIDANDUJIASHIJIDONGCHEZAIGAOSUGONGLUSHANGXINGSHIFASHENGJIAOTONGSHIGU,BAOXIANGONGSIBUFUPEICHANGZEREN”DEYUEDING。YINCI,BAOXIANGONGSIBUCUNZAIMIANZEQINGXING,YINGDANGCHENGDANBAOXIANPEICHANGZEREN。

    法院:保险公司免赔条款没明确

    FAYUANSHENLIRENWEI,BAOXIANGONGSIMIANCHUPEICHANGZERENDEQINGXINGYINGDANGZAIHETONGZHONGMINGSHI。BENANZHONG,BAOXIANHETONGDEMIANZETIAOKUANCAIQULIEJUXINGSHI,DANMIANZETIAOKUANLIEJUQINGXINGZHONGBINGWUJIASHIRENSHIXIQINEIDANDUJIASHIJIDONGCHEZAIGAOSUGONGLUSHANGXINGSHIZAOCHENGJIAOTONGSHIGUBAOXIANGONGSIMIANYUPEIFUDEYUEDING。

    BAOXIANHETONGZUOWEIDIANXINGDEGESHIHETONG,BAOXIANGONGSIZUOWEITIGONGGESHITIAOKUANHETONGDEYIFANG,ZAIHETONGMEIYOUMINGQUEYUEDINGSHANGSHUMIANPEIQINGXINGDEQIANTIXIALIYINGCHENGDANBAOXIANPEICHANGZEREN。

    三分飞艇 ZUIHOU,FAYUANPANJUE,BAOXIANGONGSIZHIFUBAOXIANPEICHANGJIN5WANYUYUAN。

    (LAIYUAN:ZHONGGUOBAOXIANBAOWANG)

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