After trial, the court held that the taxi operation center had no objection to the authenticity of the small car insured by the insurance company and the commercial third party liability insurance policy with a limit of 1 million yuan. The insurance policy is sufficient to confirm the insurance company's third-party insurance. The disclaimer provides clear instructions and instructions to the insured's operations center, and the exemption clause is legal and valid. Liao sneaked the vehicle, was an unauthorised driver and was not eligible to drive a taxi. According to the terms and conditions, the insurance company was exempted from the commercial third party liability insurance. Therefore, the insurance company should compensate Fan Mofang for the corresponding expenses within the limits of the liability for paying the insurance. In this accident, the taxi operation center and the owner of the vehicle, Chen, were not at fault, so the court rejected Fan’s claim against the two.
It was found that Fan’s loss caused a total of more than 157,000 yuan. In the end, the court ruled that the insurance company should compensate Fan Mofang for a loss of more than 105,000 yuan; the taxi driver Lin had a certain fault in the improper management of the vehicle, and should bear more than 15% of the compensation for the part of the traffic insurance, totaling more than 7,800 yuan. Liao sneaked the vehicle and did not drive the taxi. He was fully responsible for the accident. Therefore, he should bear more than 85% of the compensation for the part of the insurance, totaling more than 44,000 yuan.
The majority of riders must take the precautions, pay attention to the custody or management of their own vehicles, prevent the criminals from having the opportunity, use the vehicles to cause trouble, cause damage to others' lives or property, and avoid causing unnecessary damage to themselves. loss.
Author: legal newspaper reporter Chen Qi Fujian correspondent Fang Fang Guo Yan Zhen Wang Bingbing
Editor on duty: Wang Wei
Fujian Rule of Law Newspaper Original: Unauthorized Reproduction prohibited
Authorized reprint please contact: qq: 282110664
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