Special vehicle insurance first beneficiary bank or Finance Leasing Company and other financial institutions, the insured is entitled to sue the insurance company?

   Advisory: I to bank mortgage loans from a company bought a 70 ton truck crane, according to the bank for the automobile physical damage insurance, third party liability insurance and other insurance purchase. Insurance is the first beneficiary of special agreement: bank loans; without the consent of the lending bank, insurance policy shall not surrender, marking (except for correcting the license plate number outside). Later, crane accident, I will drive to the after sale service center crane manufacturers pay repair, repair costs 75000 yuan. I claim on the insurance, but the insurance company does not agree to compensate. I want to sue the insurance company, but banks are not lending to fit. I would like to ask Mr. Lee, with not a bank loan, I can sue insurance company directly?

   Answer: special vehicle mortgage purchase (or lease) business, bank loans are generally required to buy side to the designated insurance companies to buy insurance and loan between banks for the first beneficiaries. When the accident occurred insurance, the insured is entitled to sue the insurance company? There are some disputes in judicial practice. In my opinion, the occurrence of the insured event caused by vehicle parts damaged, and the insured for the repair of vehicle insurance, China Insurance Company, the insured may directly file a suit against the insurance company. The reasons are as follows: insurance purpose loans the banks for the first beneficiaries is bank loans, to protect the interests of the vehicle loss condition, to prevent the insured not repaid loans can not pay off. When the vehicle is part of damage, the insured to repair vehicles, ensure the first beneficiary rights. The insured person in this case requires insurance companies for compensation, in accordance with the law.