Motor vehicle traffic accident liability compulsory insurance liability waiver         

"Motor vehicle traffic accident liability compulsory insurance regulations" provisions of article twenty-second:

The provisions of the first paragraph:"Any of the following circumstances, the insurance company compulsory insurance pays rescue expenses within the limits of the motor vehicle traffic accident responsibility, and shall have the right to recover the injurer: (a) did not obtain a driver's driving qualifications or drunk; (two) the insured motor vehicle stolen during the accident; (three) the insured deliberately creating road the traffic accident".

The second paragraph:"One of the circumstances listed in the preceding paragraph, the occurrence of the traffic accident, damage is caused to the property, do not assume liability insurance company.

This article is not only the right of recourse against the insurance company to pay the stipulated obligation and the provisions of the insurance companies and insurance companies from liability clause.

A,             The responsibility to advance and the right of recourse against the insurance company

(a) did not obtain a driver's driving qualifications or drunk;

(two) the insured motor vehicle theft and robbery of the period;

(three) the insured deliberately causes a traffic accident.

Two, the insurance company of the motor vehicle traffic accident liability exemption condition

 In the event of "Regulations" article twenty-second1The provisions of paragraph case, damage is caused to the property, do not assume liability insurance company.

(a) did not obtain a driver's driving qualifications or drunk;

(two) the insured motor vehicle theft and robbery of the period;

(three) the insured deliberately causes a traffic accident"

Three, the insurance company from liability

The insurance company from liability for loss to the property of the victim. But the loss to the property of the victim shall be understood broadly, including for personal injury caused by the compensation for disability, death compensation and other economic losses, not including the spiritual damage compensation.

The legal basis:

The Supreme People's Court Reply
(2009His words) from the42No.

The Anhui Provincial Higher People's court:

You twoOONine years in May nineteen daily (please2008Anhui people Shen Zidi)0440No. "about how to understand and apply the" motor vehicle traffic accident liability compulsory insurance regulations > twenty-second instructions "received. Through research, the following reply:
Agrees that the Committee judges you Institute of minority views.
    This complex.

The Anhui Provincial Higher People's court

High [Anhui2009]371No.

About how to understand and apply the "Notice of motor vehicle traffic accident liability compulsory insurance regulations" article twenty-second

The intermediate people's court, county (District, city) the basic people's court:

The review of the petitioner and respondent Dong Jialing Chinese Ping An Property Insurance Limited by Share Ltd Fuyang branch of property insurance contract dispute case, how to understand and apply the "motor vehicle traffic accident liability compulsory insurance regulations" (hereinafter referred to as "Regulations") twenty-second different opinions. Case by the judicial committee for discussion and decision to form two kinds of opinions from the Supreme People's court. The Supreme People's court in2009Years10Month20To [2009The people he] No.42Letter of reply, in our hospital.

According to the spirit of the "Regulations" to reply, in section twenty-second"Loss to the property of the victim"Should be understood in a broad sense, namely here"Loss of property"Should include personal casualty losses, such as disability compensation, death compensation etc..

Hope in the future similar case processing in implementing the spirit of the province court reply, ensure uniform law applicable.

The Anhui Provincial Higher People's court

TwoHundredIn December 10th nine

For instructions on how to understand and apply the "motor vehicle traffic accident liability compulsory insurance regulations" article twenty-second
                              (2008Anhui people Shen Zidi)0440No.
Supreme People's court.
    The school to apply for retrial Dong Jialing and the respondent China Ping An Property Insurance Limited by Share Ltd Fuyang branch of property insurance contract dispute case, the understanding and application of "motor vehicle traffic accident liability compulsory insurance regulations" article twenty-second of divergence. The following report on the situation:
    One, the origin and the trial after the case
Dong Jialing and China Ping An Property Insurance Limited by Share Ltd Fuyang branch (hereinafter referred to as Ping An insurance company of Fuyang) insurance contract disputes, Funan County People's court2007Years9Month11Make (2007Southern people) at the beginning of the word no.1238Civil judgment. Ping An insurance company of Fuyang appeal, appeal. Fuyang City Intermediate People's court2007Years12Month7To make (2007Fu Min two) with the word no.120Civil judgment, Dong Jialing refuses to accept, to2008Years9Month24The school put forward to apply for retrial. The court accepted and formed a collegial panel review.
    Two, the basic situation
The petitioner (plaintiff in the trial of first instance, the second instance the appellee): Dong Jialing, female,1973Years9Month17Born in Anhui Province, Han, Funan County, people live, Fu Cheng Guan Zhen Nanxian Miao Si Jia Shu yuan.
The respondent (defendant in the trial of first instance, the second instance the appellant): China Ping An Property Insurance Limited by Share Ltd Fuyang branch. Qinghe East Road Fuyang City domicile241No..
Legal representative: Wang Yuehua, manager.
    Three, the original situation
    Funan County People's court:2006Years12Month26Day, Dong Jialing and Ping An insurance company in Fuyang signed the compulsory motor vehicle traffic accident liability insurance contract, for all its AnhuiK43335Songhua River and medium-sized passenger car insurance compulsory insurance, the insurance period from2006Years12Month27Date to2007Years12Month26Date.2007Years1Month26Day, Sun Shifeng is driving the car, Cao Qingling injured pedestrian death and fled the scene. Determination of the Communications Department of the police, Sun Shifeng drunk driving causes traffic accidents and drove away, should bear full responsibility for the accident, Cao Qingling of the dead without responsibility. After Dong Jialing and the driver Sun Shifeng and the victim Cao Qingling's relatives to civil compensation agreement, compensatory compensation for death, funeral expenses, maintenance charges11Million yuan, have been fulfilled. Funan County People's court made to confirm the agreement of criminal incidental civil mediation.2007Years6Month11Day, Funan County People's court to the crime of causing traffic casualties sentenced Sun Shifeng to three years in prison, five years probation. Dong Jialing to Ping An insurance company of Fuyang rejected claims filed a suit, request any payment cross strong insurance indemnity50000Element.
    The court holds that: the original, the defendant signed motor vehicle traffic accident compulsory insurance contract does not violate the law, should be effective, both parties shall be in accordance with the contract agreed to fulfill their respective rights and obligations. Sun Shifeng drunk driving insurance vehicle traffic accidents during the period of this insurance to death, and public security traffic department as the vehicle negative full responsibility for the accident, the victim has no responsibility, in accordance with the "compulsory motor vehicle traffic accident insurance regulations" (hereinafter referred to as "Regulations") twenty-first"The insured motor vehicle road traffic accident caused by the victim, the personnel casualty, loss of property insurance of people outside, by insurance companies in accordance with the law in the motor vehicle traffic accident liability compulsory insurance liability limits the scope of compensation......"The provisions of Fuyang, Ping An insurance company shall compensate for the losses caused by the death of the victim, the death compensation50000Element. Mediation by the people's court, the plaintiff has compensated the victim's near relatives including death compensation limit50000Yuan, all losses, the fact that both parties had no objection to plea. According to the "Regulations" article thirty-first"The insurance company can be paid indemnities to the insured, or directly to the victim compensation insurance"Regulations, the plaintiff has the right to claim for the defendant. Although the defendant argued that the plaintiff drunken driving traffic accidents are not subject to compulsory insurance compensation, but the "Regulations" provisions of article twenty-second:"Any of the following circumstances, the insurance company compulsory insurance pays rescue expenses within the limits of the motor vehicle traffic accident responsibility, and shall have the right to recover the injurer: (a) did not obtain a driver's driving qualifications or drunk......; one of the circumstances listed in the preceding paragraph, the occurrence of the traffic accident, damage is caused to the property, do not assume liability insurance company."Therefore, in a drunken driving case, the insurance company in insurance in the deductible is limited to property losses, not including caused the death, disability, death, disability compensation. "Insurance law" provisions of the people's Republic of China thirty-first:"The clauses of the insurance contract, the insurer and the insured, the insurer and the beneficiary is the dispute, the people's court or an arbitration institution should be made in favor of the insured and beneficiary explanation."Accordingly, the Funan County People's Court of Fuyang Ping An insurance company pays the Dong Jialing death compensation50000Element. Ping An insurance company of Fuyang appeal, appeal.
    Fuyang City Intermediate People's Court of second instance think: the focus of this case is in a strong risk of the insured to pay, drunken driving caused the vehicle, is death insurance people outside of the victim, the insurance company should compensate the victim compensation for death. According to the "Regulations" provisions of article twenty-second, for drunk driving traffic accidents, the insurance company shall only in motor vehicle traffic accident liability compulsory insurance liability limit range pays rescue expenses, not including other costs, and in advance and the right to recourse against the harm. This is essentially the provisions of the insurance company from assume insurance responsibility. To advance to save the period of medical treatment is only in order to save the victim, after the victims out of danger, the insurance company does not assume any responsibility, the ninth in as part of the contract "motor vehicle traffic accident liability compulsory insurance clause" is also defined. "Motor vehicle traffic accident liability compulsory insurance clause" Department of CIRC issued as the implementation of specific basis of compulsory insurance, the China Insurance Regulatory Commission System institutions directly under the State Council, the release of the clause as part of the contract of insurance, and should be observed. So, in this case the owners responsibility not to insurance company claim. The improper application of the law, should be corrected. Fuyang City Intermediate People's court in accordance with the "PRC Civil Procedure Law" article 153rd (two) of the Convention, the decision to withdraw Funan County People's court verdict, dismissed Dong Jialing's claim.
    Four, the applicant Dong Jialing retrial reason
    Dong Jialing said: the law applicable to the application for retrial error of judgement.1The original misinterpreted the legislative intent, "Regulations" of article twenty-second. The second paragraph of this article only the provisions of drunk driving traffic accidents caused by the loss of property insurance company, the victim does not assume liability to pay compensation, not the provisions of the personal injury insurance company does not assume liability to pay compensation.2The original application effectiveness, "motor vehicle traffic accident liability compulsory insurance clause" than the "Regulations" promulgated by the state council. According to the "PRC Civil Procedure Law" article 179th (six) of the Convention, requests for a retrial of the case.
    Five, the court judicial committee
The committee will discuss the case,The formation of two kinds of opinions:
    The first view: the error of law ruling. Dong Jialing's application for retrial in accordance with the "PRC Civil Procedure Law" article 179th (six) stipulation situation, it should be ruled by the Institute of the case according to law; retrial period, to suspend execution of the original judgment. Reason.
   1, "the people's Republic of China Road Traffic Safety Law" seventy-sixth article about"Motor vehicle traffic accidents caused casualties, property loss, the insurance company in motor vehicle compulsory third party liability insurance liability limits the scope of compensation"Provisions, the insurance company shall bear no fault liability insurance accident insurance, namely motor vehicle compulsory insurance of traffic accidents, causing third personal injury and property loss, the insurer shall give compensation within the limit of liability.
   2"Regulations", twenty-second is drunk driving case franchise made restrictions. Specified in the first paragraph of this article:"Any of the following circumstances, the insurance company compulsory insurance pays rescue expenses within the limits of the motor vehicle traffic accident responsibility, and shall have the right to recover the injurer: (a) did not obtain a driver's driving qualifications or drunk......;"The second paragraph:"One of the circumstances listed in the preceding paragraph, the occurrence of the traffic accident, damage is caused to the property, do not assume liability insurance company."From the "Regulations" stipulates that the twenty-first human casualties, property loss two cases, twenty-second in second paragraph"Loss of property"Only be restricted to understand, should not include death and disability compensation gold project. Therefore, the insurance company in the case of loss to the property of the victim shall not bear the liability for compensation, but cannot be removed from the legal obligation to pay the compensation for death.
    3"Regulations", the department administrative regulations formulated by the State Council, occurrence of conflict of laws formulated by the CIRC "motor vehicle traffic accident liability compulsory insurance clause" Ninth and "Regulations" relevant provisions, should be based on the "Regulations" for the treatment basis.
    The second view: applicable laws, the decision is correct. Dong Jialing's retrial application does not comply with the "PRC Civil Procedure Law" article 179th (six) of the Convention, shall rule to reject the application for retrial according to law. Reason.
   1The "Regulations", the twenty-second in the"Loss of property"Should be understood in a broad sense. From "the Supreme People's Court on certain issues concerning the application of law in the trial of personal injury compensation case explanation" Article 1 "Due to the life, health, body damage suffered, the right to compensation prosecution request compensation for property losses and damages, the people's court shall accept the case"The provisions of the,"Loss of property"The loss of property, refers to the mental damage and the corresponding therefore, "Regulations" article twenty-second of the deductible include economic losses due to casualties, such as disability compensation, death compensation etc..
   2, "motor vehicle traffic accident liability compulsory insurance clause" prescribed in article ninth:"The insured vehicle in paragraph (a) to (four) occurred in one case of traffic accidents, causing injuries to the victim need rescue, the insurer after receiving written notice and medical institutions the traffic administrative department of the public security organs issued by the rescue expenses list, according to the health administrative department of the State Council shall organize the formulation of traffic accident trauma clinic staff guidelines and national basic medical expenses limit of indemnity in advance. The insured has no liability in traffic accidents, the insurance people to advance in the non responsibility for medical expenses limit. For other losses and costs, the insurer is not liable to pay and compensation. (a) did not obtain a driver's driving qualifications; (two) the driver drunk; to advance to save costs, the insurer has the right to recover the injurer."In this case, the driver drunk driving causing death to the victim, the insurance company shall not claim compensation for death.
    The judicial committee opinion: agree with the first opinion, consult the Supreme court.
                                            The Anhui Provincial Higher People's court
                                                    TwoOOIn May 19th nine