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Zhenjiang Jiulong Heavy-Cargo Transport Company v. People's Insurance Company of China, Nanjing Branch (dispute over the insurance contract)
镇江九龙大件运输公司诉中国人民财产保险股份有限公司南京分公司保险合同纠纷案——交强险保险事故的认定及格式免责条款的司法审查
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Zhenjiang Jiulong Heavy-Cargo Transport Company v. People's Insurance Company of China, Nanjing Branch (dispute over the insurance contract)
(dispute over the insurance contract)
镇江九龙大件运输公司诉中国人民财产保险股份有限公司南京分公司保险合同纠纷案——交强险保险事故的认定及格式免责条款的司法审查
[Key Terms]
mandatory motor vehicle third party liability insurance (MTP) ; insurance coverage ; road traffic accident
[核心术语]
交强险;承保范围;道路交通事故
[Disputed Issues]

Whether the damages arising from lifting and other operations of the insured vehicle are covered by the MTP?
[争议焦点]
被保险车辆从事起吊等施工作业所引发的损害赔偿是否属于交强险所承保的保险责任范围?
[Case Summary]

MTP refers to the mandatory liability insurance under which the insurance company promises to pay compensation to the victim (excluding passengers and the insured) within the liability limits for the personal injury, death and/or property loss and damage arising from road traffic accident caused by the insured motor vehicles. Pursuant to related laws and regulations in China, a road traffic accident refers to an incident of a vehicle running on road causing personal injury or death and/or property loss and damage due to fault or accident. A traffic accident shall contain the following elements: (1) caused by a vehicle; (2) occurring on road. “Road” means a highway, an urban road or an area which, although under the management of an entity, opens for access by public motor vehicles, including squares, public parking lots, and other places for public access. (3) occurring when driving or stopping of motor vehicles; (4) there is an accident; (5) the accident is caused by human being; (6) damage result occurs; (7) the party concerned are at fault or it is an accident. As the insured vehicle is in lifting and other operation but not used as transport vehicle, not in driving status, the damages so caused are not covered by the MTP.
[案例要旨]
交强险的全称是“机动车交通事故责任强制保险”,是由保险公司对被保险机动车发生道路交通事故造成受害人(不包括本车人员和被保险人)的人身伤亡、财产损失,在责任限额内予以赔偿的强制性责任保险。按照我国相关法律的规定,道路交通事故,是指车辆在道路上的行驶途中因过错或者意外造成的人身伤亡或者财产损失的事件。构成交通事故应当具备下列要素:(1)必须是车辆造成的;(2)是在道路上发生的。道路是指公路、城市道路和虽在单位管辖范围但允许社会机动车通行的地方,包括广场、公共停车场等用于公众通行的场所; (3)在运动中发生,指车辆在行驶或停放过程中发生的事件;(4)有事态发生;(5)造成事态的原因是人为的;(6)必须有损害后果的发生;(7)当事人心理状态是过失或有其他意外因素。被保险车辆是为了从事起吊等施工作业,并非作为交通工具使用,不处于通行状态,所以由此造成的损害不属于交强险所承保的保险责任范围。

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