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Liu Zhiwei v. PICC Luoyang Branch (motor vehicle traffic accident liability case)
(motor vehicle traffic accident liability case)
河南洛阳中院判决刘志卫诉人保财险洛阳分公司机动车交通事故责任纠纷案
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[Key Terms]
compulsory insurance for motor vehicle traffic accidents ; traffic accident ; passenger ; third party ; compensation liability
[核心术语]
交强险;交通事故;车上人员;第三者;赔偿责任
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[Disputed Issues]
1.When a traffic accident occurs to a motor vehicle subject to the compulsory insurance for motor vehicle traffic accidents, if a passenger is thrown out of the vehicle and gets hurt, shall he be compensated for by the insurer within the limit as provided in the aforesaid compulsory insurance?
[争议焦点]
1.投保了交强险的机动车发生交通事故时，车上人员被甩出车辆受伤的，保险公司是否应当在交强险的限额内对其予以赔偿？
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[Case Summary]
"Compulsory insurance for motor vehicle traffic accidents" refers to the statutory insurance for which the motor vehicle owner or manager pays a certain amount of premiums to the insurer and by which the insurer makes compensation which the insured should pay according to law when a traffic accident occurs in the course of using the insured motor vehicle by the motor vehicle owner or manager or his permitted driver and causes a third person to suffer bodily injury or property losses.Under the provisions of Article 21 of the Regulation on Compulsory Auto Liability Insurance the third party under the protection of the compulsory insurance for motor vehicle traffic accidents is "victims other than the passengers and the insured". When a traffic accident occurs to a motor vehicle subject to the compulsory insurance for motor vehicle traffic accidents...
[案例要旨]
交强险的全称是“机动车交通事故责任强制保险”是指法律强制规定由机动车所有人或管理人向保险人支付一定数额的保险费在机动车所有人或管理人或其允许的驾驶员使用被保险机动车过程中发生交通事故致使第三人遭受人身伤亡或财产损失时依法应当由被保险人支付的赔偿金额...
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Full-text omitted. | | 河南洛阳中院判决刘志卫诉人保财险洛阳分公司机动车交通事故责任纠纷案 |
| | ——交通事故中车上人员与第三者的认定 |
| | 裁判要旨 |
| | 车上人员在交通事故中被甩出车外受伤，由于事故发生时已处于车外且失去车厢的保护，应当认定该受伤人员已由本车人员转化为第三者，保险公司应在交强险限额内予以赔偿。 |
| | 案情 |
| | 2012年5月19日，原告刘志卫等5人乘坐被告袁丰伟驾驶的豫CU2113号昌河牌小型普通客车，行驶至二广高速河南省鲁山县瓦屋段时，袁丰伟违章从右侧的紧急停车带超车时撞在道路右侧护栏上发生翻车，车门被撞掉，致原告甩出车外受伤。原告受伤后住院治疗，花费医疗费9449.45元。经鉴定，原告构成十级伤残。该事故经交警部门认定，袁丰伟负事故全部责任，原告不承担责任。经查，袁丰伟为该车在被告中国人民财产保险股份有限公司洛阳分公司（简称人保财险洛阳分公司）处投保有机动车交通事故责任强制保险。原告起诉要求二被告赔偿损失71714.35元。人保财险洛阳分公司认为原告属于肇事车辆车上人员，不属于交强险应予赔偿的受害人。 |
| | 裁判 |
| | 河南省汝阳县人民法院经审理认为，交强险的保障对象应为被保险机动车本车人员和被保险人以外的受害人。而对于本车人员的理解，应为保险事故发生瞬间在被保险机动车上的所有人员。本案中，原告因被保险车辆与路边护栏相撞被甩出车外受伤，虽然原告没有与被保险车辆发生碰撞，但其被甩出车外过程中所处的位置已离开机动车车厢的主体部位。因此，在原告发生交通事故的瞬间，其已从被保险车辆的车上人员转化为本车人员以外的第三者，应当属于交强险的保障对象。法院判决：被告人保财险洛阳分公司赔偿原告刘志卫医疗费9449.45元，残疾赔偿金、精神损害抚慰金等55097.91元。 |
| | ．．．．．． |
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