保险公司该不该为无责任事故车辆买单(国外英语资料).doc

保险公司该不该为无责任事故车辆买单 Should an insurance company pay for an accident free vehicle? Author: Zhang Chunyang release time: 2010-07-29 16:05:25 [case] Plaintiff: Pingdingshan Zhong Cheng Automatic Control System Co., Ltd. Defendant: Sunshine Property Insurance, Limited by Share Ltd, Pingdingshan branch On August 21, 2007, the plaintiff selected controlled company for the Henan DB7795 vehicle in the sunshine insurance company for the loss of vehicle insurance (insurance amount of 203800 yuan), third party liability insurance, motor vehicle liability insurance (driver underwriting 1, each with a limit of 10000 yuan; 4 per passenger seat cover, a limit of 10000 yuan) motor vehicle theft and robbery, insurance, glass breakage, irrespective of percentage clause (loss of vehicle insurance, third party liability insurance, motor vehicle liability insurance) a total of 4105 yuan of premiums. Motor vehicle insurance policy specifically stipulated: 1, the occurrence of insurance liability accident, should provide a list of treatment, and according to the local social medical insurance standard payment. 2, unilateral accident, the insured vehicle leave the scene without authorization, the insurance company will not pay compensation. 3. This insurance clause includes insurance liability, exemption from liability, compensation, etc., and has been informed to the applicant and submitted to the applicant, and the applicant has no objection to it. In September 14th of the same year, 10 am, the plaintiff driver traffic accident the car to the two highway, killing the driver and passengers, Qin Shisheng Li Nan unit Wu Weidong, Zhao Juan injured, serious damage to the vehicle. The traffic police department found that the plaintiff was not responsible for the accident. After the accident, due to medical and vehicle costs 100 thousand yuan, on how to carry out insurance claims, repeatedly failed to negotiate with the defendant. To this end, the court, the defendant requested compensation for