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Liu Lei v. Wang Weijian, Zhu Kairong and Yancheng Center Sub-Branch of Tian'an Insurance Co., Ltd. (dispute over indemnity for personal injury in traffic accident)
刘雷诉汪维剑、朱开荣、天安保险盐城中心支公司交通事故人身损害赔偿纠纷案
【法宝引证码】

Liu Lei v. Wang Weijian, Zhu Kairong and Yancheng Center Sub-Branch of Tian’an Insurance Co., Ltd. (dispute over indemnity for personal injury in traffic accident)
(dispute over indemnity for personal injury in traffic accident)
刘雷诉汪维剑、朱开荣、天安保险盐城中心支公司交通事故人身损害赔偿纠纷案
Liu Lei v. Wang Weijian, Zhu Kairong and Yancheng Center Sub-Branch of Tian'an Insurance Co., Ltd.
(dispute over indemnity for personal injury in traffic accident)@#
[Summary]@#
Where a person intends to purchase motor vehicle third-party liability insurance from an insurance company's sales department, an insurance agent from the sales department, for the purpose of embezzling insurance premiums, fills out a fake insurance policy with the exact same content and form as those of a true insurance policy and affixes a forged seal used by the insurance company to the false insurance policy, and sells the false insurance policy to the policyholder through a salesperson of the sales department on the premises of the sales department, if the bona fide policyholder has reasons to believe that the insurance purchased is real and the provisions of the insurance policy do not violate the relevant legal provisions, the conduct of the sales department should be deemed the conduct of the insurance company in civil law. Therefore, although the insurance policy was a fake one, the insurance company should not be relieved from its civil liability legally arising from the execution of the insurance contract. @#
Plaintiff: Liu Lei, male, 22 years old, residing in the dormitory of Jiangsu Changshu Winwell Dyeing & Printing Co. Ltd.@#
Defendant Wang Weijian, male, 36 years old, residing in Zhupu Village, Xiaojian Town, Xiangshui County, Jiangsu Province@#
Defendant Zhu Kairong, male, 40 years old, residing in Tuqiao Village, Xiaojian Town, Xiangshui County, Jiangsu Province@#
Defendant, Yancheng Centre Sub-Branch of Tian'an Insurance Co. Ltd., located at Jiefangnan Road, Yancheng City, Jiangsu Province@#
Person in charge: Yu Zhengxiang, general manger of the company@#
Plaintiff Liu Lei instituted a civil action in the People's Court of Changshu City for indemnity dispute with defendants Wang Weijian, Zhu Kairong and Yancheng Centre Sub-Branch of Tian'an Insurance Co. Ltd. (hereinafter referred to as “Yancheng Sub-Branch”) over injuries suffered in a traffic accident.@#
Plaintiff Liu Lei claimed that: At approximately 22:00 on July 20, 2005, when making a u-turn near Wuzhuang Village on Miaonan Village road, the motor tricycle (Jiangsu No. JFR978) driven by Wang Weijian but owned by Zhu Kairong ran into the electric bicycle ridden by the plaintiff, causing injuries to the plaintiff. The Traffic Police Unit determined that Wang Weijian should assume a primary liability and Liu Lei should assume a secondary liability for the accident. The plaintiff requested the court to order that the defendant compensate the plaintiff in the amount of 24,172 yuan, including medical expenses, lost wages, nursing care fees, travel expenses, hospital food subsidies, rescue fees, and so on, with disability indemnity to be claimed after injury identification. During trial, the plaintiff changed claims by requesting the court to order that the defendant compensate him for medical expenses of 27,516 yuan, rescue fees of 40 yuan, lost wages of 35,850 yuan, nursing care fees of 7,625 yuan, traffic expenses of 1,760 yuan, hospital food subsidiaries of 1,125 yuan, nutrition support fees of 3,050 yuan, disability indemnity of 28,168 yuan, mental distress compensation of 5,000 yuan, board fees of 325 yuan, and meal charges of 3,100 yuan, amounting to 112,875 yuan.@#
......
 

刘雷诉汪维剑、朱开荣、天安保险盐城中心支公司交通事故人身损害赔偿纠纷案@#
[裁判摘要]@#
投保人通过保险公司设立的营销部购买机动车第三者责任险,营销部营销人员为侵吞保费,将自己伪造的、内容和形式与真保单一致的假保单填写后,加盖伪造的保险公司业务专用章,通过营销部的销售员在该营销部内销售并交付投保人。作为不知情的善意投保人有理由相信其购买的保险是真实的,保单的内容也并不违反有关法律的规定,营销部的行为在民法上应当视为保险公司的行为。因此,虽然投保人持有的保单是假的,但并不能据此免除保险公司根据保险合同依法应当承担的民事责任。@#
原告:刘雷。@#
被告:汪维剑。@#
被告:朱开荣。@#
被告:天安保险股份有限公司盐城中心支公司。@#
负责人:于正祥,该公司总经理。@#
原告刘雷因与被告汪维剑、朱开荣、天安保险股份有限公司盐城中心支公司(以下简称天安盐城支公司)发生道路交通事故人身损害赔偿纠纷,向常熟市人民法院提起民事诉讼。@#
原告刘雷诉称:2005年7月20日22时,在淼南村道吴庄村旁,被告汪维剑驾驶被告朱开荣的苏JFR978三轮摩托车掉头时,与原告驾驶的电动自行车相撞,致原告受伤。交警大队认定汪维剑负事故主要责任、刘雷负次要责任。请求判令被告赔偿医药费、误工费、护理费、交通费、住院伙食补助费、救护费等计24 172元,伤残费用待鉴定后再提出。审理中,原告变更了相关的诉讼请求,要求被告赔偿医药费27 516元、救护费40元、误工费35 850元、护理费7625元、交通费1076元、住院伙食补助费1125元、营养费3050元、残疾赔偿金 28 168元、精神损害抚慰金5000元、伙食费325元、餐费3100元,共计112 875元。@#
被告汪维剑、朱开荣未作答辩。@#
被告天安保险盐城支公司辩称:我公司收到法院寄来原告刘雷的诉状及附件材料后,经核对,我公司从未向被告朱开荣签发过该摩托车保险单证,并发现该保单业务专用章与我公司印章不一致,我公司与朱开荣就摩托车保险一事从未形成保险合同关系。因此,我公司在此交通事故赔偿一案中不应为假保单承担赔偿责任。请求驳回原告对我公司的诉讼请求。@#
常熟市人民法院一审查明:2005年7月20日22时许,被告汪维剑驾驶苏 JFR978“新感觉”正三轮载货摩托车在淼南村道吴庄村旁道路上掉头时,车前轮左侧等处与由南往北行驶的原告刘雷所驾驶的无号牌“爱奇克”电动自行车右侧保险杠等处相撞,致刘雷受伤,电动自行车损坏。事故发生后,常熟市公安局交通巡逻警察大队进行了调查,于2005年8月1日作出了 2005年第07126号交通事故认定书,认为汪维剑夜间驾车在道路上掉头,未能做到不妨碍其他车辆的通行,是造成该事故的主要原因,其行为违反《中华人民共和国道路交通安全法实施条例》第四十九条第二款及《江苏省道路交通安全条例》第三十八条第(一)项之规定;刘雷夜间驾驶未开灯光且事故后经检验为制动不合格的无号牌电动自行车且车速较快,亦是造成该事故的一个原因,其行为违反《中华人民共和国道路交通安全法》第十八条第三款、第三十八条及《江苏省道路交通安全条例》第十六条第一款第(二)项之规定,认定汪维剑负该事故的主要责任、刘雷负该事故的次要责任。@#
原告刘雷伤后被救送至常熟市新区医院进行治疗,被诊断为左胫腓骨开放性骨折,住院治疗12天;随即,刘雷又入常熟市第二人民医院住院治疗22天:2006年8月15日至19日,刘雷又在常熟市第二人民医院住院治疗4天。2006年11月17日至12月1日,刘雷在上海交通大学附属第六人民医院住院治疗13.5天。2006年12月1日至12日,刘雷在上海徐汇区宛平地段医院继续住院治疗11天。此外,刘雷伤后还在上述各医院及常熟市梅李中心卫生院门诊治疗。刘雷花去医疗费共27 556.70元。刘雷伤后由其亲属进行护理。审理中,常熟市人民法院根据刘雷的申请,委托常熟市第一人民医院司法鉴定所对刘雷的伤残等级、误工期限、护理期限及人数、营养期限进行了鉴定。该所于2007年7月9日作出鉴定结论,认为刘雷因交通事故致左胫腓骨开放性骨折已构成十级伤残:误工期限为伤后至定残前一日,住院期间及出院后90日应予1人护理并予营养支持。@#
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