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Case on Dispute over an Insurance Contract of Cao Liancheng, Hu Guilan, Cao Xinjian, and Cao Xianzhong v. Minsheng Life Insurance Co., Ltd. Jiangsu Branch
曹连成、胡桂兰、曹新建、曹显忠诉民生人寿保险股份有限公司江苏分公司保险合同纠纷案
【法宝引证码】
  • Type of Dispute: Civil-->Company, Securities, Insurance, Bills, etc.
  • Legal document: Judgment
  • Judgment date: 07-24-2012
  • Procedural status: Trial at First Instance
  • Source: Gazette of the Supreme People's Court, 10th volume in 2014 (the 216th volume in total)

Case on Dispute over an Insurance Contract of Cao Liancheng, Hu Guilan, Cao Xinjian, and Cao Xianzhong v. Minsheng Life Insurance Co., Ltd. Jiangsu Branch 曹连成、胡桂兰、曹新建、曹显忠诉民生人寿保险股份有限公司江苏分公司保险合同纠纷案
[Summary] [裁判摘要]
Where no standard for determining a motor vehicle is provided in the interpretation of the exemption clause of the insurer's liabilities and the insurance clause, due to the misleading product instructions and product qualification certificate (both of which show that it is a moped) of the light motorcycle manufacturer and on the basis that the insured is unable to obtain a motor vehicle plate objectively, the interpretation that the vehicle involved is not a motor vehicle as prescribed in the exemption clause of the insurer's liabilities complies with the cognitive standard of an ordinary vehicle buyer or user, an interpretation should be made in favor of the insured, and it should be determined that the vehicle involved is not a motor vehicle as prescribed in the exemption clause of the insurer's liabilities. Meanwhile, the insured's driving of the said vehicle without obtaining a driver's license does not fall within the circumstance of driving without a license as prescribed in the exemption clause. 在保险人责任免除条款及保险条款释义中,没有对机动车的认定标准作出规定的情况下,基于轻便摩托车生产厂家产品说明书、产品检验合格证(均显示该车为助力车)的误导,以及被保险人客观上无法取得机动车号牌的事实,作出案涉车辆不属于保险人免责条款中所规定的机动车之解释,符合一个普通车辆购买人及使用人的认知标准,应作出有利于被保险人的解释,案涉车辆应认定为不属于保险人免责条款中所规定的机动车。此时,被保险人在不领取驾驶证的情况下驾驶上述车辆,亦不属于免责条款规定的无证驾驶情形。
BASIC FACTS 
Plaintiff: Cao Liancheng, male, 81 years old, Chinese Han, domiciled in Rudong County, Jiangsu Province. 原告:曹连成。
Plaintiff: Hu Guilan, female, 59 years old, Chinese Han, domiciled in Rudong County, Jiangsu Province. 原告:胡桂兰。
...... 原告:曹新建。
 原告:曹显忠。
 被告:民生人寿保险股份有限公司江苏分公司。
 负责人:单勇,该公司总经理。
 原告曹连成、胡桂兰、曹新建、曹显忠因与被告民生人寿保险股份有限公司江苏分公司(以下简称民生保险)发生保险合同纠纷,向南京市鼓楼区人民法院提起诉讼。
 原告曹连成、胡桂兰、曹新建、曹显忠诉称:2008年2月9日,曹正银向被告民生保险投保民生金玉满堂两全保险D款 (分红型),趸交保险费10000元。2011年 9月5日,曹正银因交通事故意外死亡,按合同约定,被告应当赔偿意外身故保险金 33 000元。原告据此向被告索赔未果,遂诉至法院,请求法院判令被告赔偿保险金 33 000元,并承担本案的诉讼费用。
 被告民生保险辩称:对双方的保险合同关系、原告已经缴纳保险费、被保险人因交通事故的发生而死亡构成保险事故,以及四原告系被保险人第一顺序继承人的身份等事实不持异议。但抗辩,保险条款中的保险人责任免除条款规定,被保险人无合法有效驾驶证驾驶或驾驶无有效行驶证的机动车导致身故的,保险人不承担赔偿责任。被保险人曹正银无驾驶证驾驶无有效行驶证的轻便摩托车,故保险人不承担赔偿责任。请求法院判决驳回原告的诉讼请求。
 南京市鼓楼区人民法院一审查明:
 2008年2月9日,曹正银以本人为被保险人向被告民生保险投保民生金玉满堂两全保险D款(分红型),受益人栏为空白,保险期间5年,保险金额11 000元,意外身故保险金按三倍基本保险金额给付,保险费10000元。保险人责任免除条款规定,被保险人无合法有效驾驶证驾驶或驾驶无有效行驶证的机动车导致身故的,保险人不承担赔偿责任;保险人责任免除条款,以及保险条款的释义中,没有对机动车的认定标准作出规定。投保人于当日全额缴纳了保险费,保险合同于次日生效。曹正银在投保单中投保人签名处签字。
 另查明,如东县公安局交巡警大队于 2011年9月28日出具的交通事故认定书载明:2011年9月5日5时40分左右,案外人李朋驾驶苏FL1512号轿车由南向北行驶至苏225复线如东县河口镇荷园村村部西侧十字路口,遇曹正银驾驶未经登记的轻便二轮摩托车由西向东行驶,相撞发生交通事故,致曹正银受伤,经抢救无效于次日死亡,两车局部受损。李朋负事故主要责任,曹正银负次要责任。
 又查明,曹正银所购案涉事故车辆的产品说明书及产品检验合格证均显示,该车为济南轻骑摩托车股份有限公司出产的 XF48cc“先锋”牌助力车。事故发生当日的道路交通事故现场图显示,曹正银驾驶的为48cc助力车。同年9月22日,如东县公安局物证鉴定室出具的物证检验意见书载明,案涉曹正银所驾驶车辆为无号牌的先锋48cc轻便摩托车。交通事故车辆技术检验报告显示,该车为无号牌轻便摩托车,检验结果为制动合格,没有车辆经改装的记录。国家标准《汽油机助力自行车》 (GB17284-1998)规定,汽油机助力自行车系装有汽油机、具有两个车轮,能实现脚踏、机动两种功能的特种自行车,汽缸工作容积应不大于30毫升,最高车速应不大于 20公里/小时。《机动车运行安全技术条件》 (GB7258-2004)第3.6条将轻便摩托车定义为:无论采用何种驱动方式,其最高设计车速不大于50公里/小时,且若使用内燃机,其排量不大于50毫升的两轮或三轮车辆,包括两轮轻便摩托车和三轮轻便摩托车。
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