The case:2009Years5Month14Day, the plaintiff Zhao Weiwu for all its suAG3028The car in the Tianping auto insurance Limited by Share Ltd Jiangsu branch (hereinafter referred to as the balance of the insurance company) is insured the car damage insurance, liability insurance and three non deductible insurance, the insurance period from2009Years5Month15Zero hour up to2010Years5Month14Day twenty-four, the use of nature for the household, the driver is not specified.2009Years2Month9Day, Zhao Wei will be the insured vehicle leased to Li Hongyang, the monthly rent4500Element. The same year3Months, Li Hongyang will use the car to Wang Ansong,6Month21Day, Wang Ansong drove the car accident occurred, the insured vehicle5300Yuan, three vehicle damage liability1.68Million yuan, trailer fee150Yuan, a total of22250Yuan, deduction has been in the insurance to pay strong parts processing2000Yuan, for a total loss20250Element. Zhao Weiwu claim to the insurance company, the insurance company insured vehicle for paid rent with Zhao Wei generals non operating, changed the nature of the use of vehicles, increase the degree of risk insurance vehicle on the grounds, refused to compensate. Zhao Weiwu went to the court, the request to order the defendant to pay insurance gold20250Element.

Referee:Gulou District People's Court of Nanjing City, Jiangsu Province, after hearing that, the plaintiff is not the insured vehicle for operating procedures, the vehicles will be leased to a specific person, and Wang Ansong as a qualified driver, no essential difference with the plaintiff to use. The defendant also failed to prove that the accident occurred when the insured vehicle actual use of Wang Ansong will be insured vehicle for commercial operations, change the vehicle use, are dangerous degree did not increase of vehicle insurance. Therefore, the defendant claims the plaintiff changed the use of vehicles, it should not assume liability to pay compensation opinion, not fact and legal basis, should not be adopted. Court: the balance of the insurance company pays insurance gold20250Element.

The accused, appeal.2010Years5Month25Day, Jiangsu Province, Nanjing City Intermediate People's court:Dismiss the appeal, upheld the.

The referee essence:The insured vehicle leased to a qualified driver qualification of third people, if cannot be changed use of vehicle insurance, and thus increases the degree of risk of insurance mark, third traffic accidents occurred in the use of vehicles in the process, the insurance company shall claim.

In this case: (No.2009The people at the beginning of the word no. two) drum1366(,2010Ning's final word article)557No.

Case: Gulou District People's Court of Nanjing city in Jiangsu ProvinceZhangLynnXing Jiadong

The people's court at2010Years12Month2Daily article6Version