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He Shengchang v. Shenze Branch of People's Insurance Company of China
何省昌与中国人民保险公司深泽县支公司财产保险合同纠纷案
【法宝引证码】

He Shengchang v. Shenze Branch of People's Insurance Company of China

 

何省昌与中国人民保险公司深泽县支公司

(A case about disputes over a property insurance contract) 财 产 保 险 合 同 纠 纷 案
 
BASIC FACTS 原告人:何省昌,男,三十三岁,河北省深泽县人,系该县西河乡干部。
Plaintiff: He Shengchang, male, 33 years old, native of Shenze County, Hebei Province, officer of Xihe Township of Shenze County. 被告人:中国人民保险公司深泽县支公司(原名中国人民保险公司深泽县代理处,以下简称深泽县支公司)。
Defendant: Shenze Branch of People's Insurance Company of China, (formerly known as Shenze Agency of People's Insurance Company of China, hereinafter referred to as “Shenze Branch”). 被告人深泽县支公司一九八四年首次开办麦场夏粮火灾保险业务。同年六月三日,原告人何省昌与深择县支公司就何省昌投保的七点三八亩小麦,以预测承保亩产五百六十斤,每斤二角计价,共计承保小麦四千一百三十三斤,保险金额八百二十六元六角,签订麦场夏粮火灾保险合同一份。合同规定:保险方深泽县支公司自一九八四年六月十日小麦入场时起至同年七月九日止,对投保方何省昌麦场上的小麦实行火灾保险。在此期间,麦场如发生火灾造成保险小麦的损失,由保险方负赔偿责任。但是,如果是由于投保方及家属的故意行为造成火灾,火灾以外的自然灾害和意外事故,投保方违反交通部门的规定在公路上碾打小麦发生火灾三种情况,造成保险小麦的损失时,保险方不负赔偿责任。同时,合同规定了投保方的义务:在起保日前,按保险金额千分之一的比例,一次交清保险费;遵守公安消防及有关部门的规定,接受保险方对安全情况提出的建议,做好防火安全工作;麦场发生火灾,应积极施救,尽量减少损失;出险后做好现场保护工作,及时报告有关部门并在两天内通知保险方。
In 1984, the defendant, Shenze Branch, initiated the business of insurance for summer grain fire on wheat ground. On June 3, 1984, He Shengchang and Shenze Branch entered into an insurance contract against summer grain fire on wheat ground, in respect of 7.38 mu of wheat of He Shengchang. The yield was estimated to be 560 jin per mu, and if the unit price was 0.20 yuan per jin, the insured amount for a total of 4,133 jin of the insured wheat should be 826.60 yuan. This contract provided that: the insurer, Shenze Branch, should insure the wheat on the wheat ground of He Shengchang against fire from the entry of wheat into the ground on June 10, 1984 to July 9, 1984. Within this period, if a fire took place on the wheat ground and caused any loss of the insured wheat, the insurer should be liable for compensation. However, if the loss of the insured wheat was caused by a fire taking place for an intentional act of the policy holder or its family member, a natural disaster or accident other than fire or a fire taking place for the policy holder's threshing of wheat on the road in violation of the provisions of the traffic authorities, the insurer should not be liable for compensation. Meanwhile, the contract provided for the policy holder's obligations: the insurance premium should be paid in a lump sum at a rate of 1‰ of the insured amount before the date of commencement of insurance; the policy holder should observe the provisions of the fire control department of the public security authorities and other relevant authorities, accept the insurer's suggestions on safety, and do a good job in the fire prevention and safety; in case of fire on the wheat ground, the policy holder should actively save the wheat, and try his best to minimize losses; after an insurance accident took place, the policy holder should do a good job in protecting the scene, timely report it to the relevant authorities, and notify the insurer within two days. 合同签订当天,何省昌向深泽县支公司一次交清保险费八角三分,合同生效。何省昌几天后将小麦收割入场。六月十六日,何省昌到乡里所在单位值班,让其弟何会昌看守麦场。何会昌晚饭时回家吃饭,饭后外出办事,麦场无人看守。晚十时许,麦场发生火灾,经群众抢救扑灭,但因麦场四周无水源,三垛投保的小麦除一垛麦种外,其余两垛基本烧毁,共剩小麦四百三十斤。次日,何省昌将发生火灾的情况通知了深泽县支公司。深泽县支公司同县公安局消防股及有关单位对火灾现场作了勘验,县公安局消防股的结论是:失火原因不明。事后,由于深泽县支公司提不出合同中规定的除外责任的根据,何省昌要求深泽县支公司对火灾损失,按保险合同规定的保险金额扣除所剩四百三十斤小麦的折款后,全部予以赔偿;深泽县支公司则以何省昌的小麦实际产量低于承保时的预测产量,火灾损失没有那么大,只能按实际产量的损失赔偿为理由,拒绝按保险金额计算赔偿。双方争执不下,何省昌于一九八四年九月三日向河北省深泽县人民法院起诉。
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