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Old 05-21-2011, 08:31 AM   #1
yishan6154
 
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Default 保险公司因司机肇事后逃逸拒绝赔偿被起诉

  法院:保险公司主张免责于法无据,应赔车主12万元

  案例

  王坤购买了一辆小客车跑客运。2008年初,他给小客车投保了为期1年的交强险。2008年12月15 日21时许,nike shox,王坤驾车途经一维修路段时,不慎将施工人员刘明撞倒在地,看到刘明头破血流伤得不轻,他惊惶失措加大油门 逃离了现场。在场的工友连忙报警,并及时把刘明送到附近的医院抢救。刘明医治1个月后因伤势过重抢救无效身 亡,共花去医疗费6.5万余元。

  2008年12月16日,肇事逃逸的王坤被公安机关抓获归案。12月29日,交警对此次交通事故作出了 责任认定,认为王坤驾车肇事后逃逸,依法负事故的全部责任。

  王坤落网后,让家属联络刘明的家人协商赔偿,双方于2009年4月28日签订了赔偿协议。同年5月,王 坤按约付清13万余元赔偿款,Nike Air Max Tailwind,获得了刘家人的谅解,法院鉴于此依法对其从轻发落。

  王坤支付赔偿款后,向保险公司递交了理赔申请,却遭到了拒赔。保险公司的理由是,王坤在交通肇事后逃逸 ,保险公司可免除赔偿责任。

  王坤不服,nike shoes uk,一纸诉状递到了法院,起诉要求保险公司在交强险的赔偿限额内赔付死亡赔偿金11万元、医疗费1万元,共计 12万元。

  说法

  法院审理后认为,王坤投保交强险并交纳了保险费用,与保险公司形成保险合同关系,双方均应按保险合同的 约定享受权利和履行义务。《机动车交通事故责任强制保险条例》和《机动车交通事故责任强制保险条款》中都没 有“驾驶人肇事后逃逸,保险公司可以免除赔偿责任”的规定,cool nike air max,因此保险公司不能以王坤交通肇事后逃逸为由免除赔偿责任。我国《道路交通安全法》第76条规定,机动车发 生交通事故造成人身伤亡、财产损失的,由保险公司在机动车第三者责任强制保险责任限额范围内予以赔偿。因此 ,王坤在付给刘家人13万余元赔偿款以后,可要求保险公司在交强险的赔偿限额内支付12万保险赔偿金。(梁 东江)
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Old 05-21-2011, 09:06 AM   #2
fakcvv17
 
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