【以案释法】同一车主的两车相撞，保险公司该不该赔偿？法院这样判！
<section style="box-sizing: border-box; margin-bottom: 0em; visibility: visible;"><section style="font-size: 16px; text-align: center; margin-top: 10px; margin-bottom: 10px; box-sizing: border-box; visibility: visible;" powered-by="xiumi.us"><br></section><section style="font-size: 16px; text-align: center; margin-top: 10px; margin-bottom: 10px; box-sizing: border-box; visibility: visible;" powered-by="xiumi.us"><section style="max-width: 100%; vertical-align: middle; display: inline-block; line-height: 0; box-sizing: border-box; margin-bottom: 0em; visibility: visible;"><br style="visibility: visible;"></section></section><section style="font-size: 16px; text-align: center; margin: 15px 0% 10px; transform: translate3d(3px, 0px, 0px); box-sizing: border-box; visibility: visible;" powered-by="xiumi.us"><section style="display: inline-block; width: 93%; vertical-align: top; border-style: solid; border-width: 1px; border-color: rgba(48, 117, 153, 0.34); box-sizing: border-box; margin-bottom: 0em; visibility: visible;"><section style="margin: -5px 0% 4px; transform: translate3d(-5px, 0px, 0px); box-sizing: border-box; visibility: visible;" powered-by="xiumi.us"><section style="display: inline-block; width: 100%; vertical-align: top; border-style: solid; border-width: 1px; border-color: rgba(48, 117, 153, 0.34); box-sizing: border-box; margin-bottom: 0em; visibility: visible;"><section style="margin: 15px 0%; box-sizing: border-box; visibility: visible;" powered-by="xiumi.us"><section style="font-size: 17px; color: rgb(0, 0, 0); line-height: 2; letter-spacing: 1px; padding-right: 15px; padding-left: 15px; box-sizing: border-box; margin-bottom: 0em; visibility: visible;"><p style="box-sizing: border-box; margin-bottom: 0em; visibility: visible;">儿子撞了父亲的车，</p><p style="box-sizing: border-box; margin-bottom: 0em; visibility: visible;">而两辆车的所有权人都是父亲。</p><p style="box-sizing: border-box; margin-bottom: 0em; visibility: visible;">那么问题来了，</p><p style="box-sizing: border-box; margin-bottom: 0em; visibility: visible;"><br style="visibility: visible;"></p><p style="box-sizing: border-box; margin-bottom: 0em; visibility: visible;"><span style="color: rgb(171, 25, 66); visibility: visible;"><strong style="visibility: visible;">同一所有权人的两辆机动车相撞</strong></span></p><p style="box-sizing: border-box; margin-bottom: 0em; visibility: visible;"><span style="color: rgb(171, 25, 66); visibility: visible;"><strong style="visibility: visible;">发生交通事故，</strong></span></p><p style="box-sizing: border-box; margin-bottom: 0em; visibility: visible;"><span style="color: rgb(171, 25, 66); visibility: visible;"><strong style="visibility: visible;">保险公司该不该赔偿？</strong></span></p><p style="box-sizing: border-box; margin-bottom: 0em; visibility: visible;"><br style="box-sizing: border-box; margin-bottom: 0em; visibility: visible;"></p><p style="box-sizing: border-box; margin-bottom: 0em; visibility: visible;">近期，</p><p style="box-sizing: border-box; margin-bottom: 0em; visibility: visible;">华容县人民法院审结了一起</p><p style="box-sizing: border-box; margin-bottom: 0em; visibility: visible;">机动车交通事故责任纠纷案件。</p><p style="box-sizing: border-box; margin-bottom: 0em; visibility: visible;">来看看究竟是怎么回事？</p></section></section></section></section></section></section><section style="font-size: 16px; box-sizing: border-box; margin-bottom: 0em; visibility: visible;" powered-by="xiumi.us"><p style="white-space: normal; box-sizing: border-box; margin-bottom: 0em; visibility: visible;"><br style="box-sizing: border-box; margin-bottom: 0em; visibility: visible;"></p></section><section style="font-size: 16px; text-align: center; margin: 10px 0%; box-sizing: border-box; visibility: visible;" powered-by="xiumi.us"><section style="display: inline-block; width: 40px; height: 20px; vertical-align: top; overflow: hidden; box-sizing: border-box; margin-bottom: 0em; visibility: visible;"><section style="margin-right: 0%; margin-left: 0%; box-sizing: border-box; margin-bottom: 0em; 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padding-top: 5px; padding-bottom: 5px; box-sizing: border-box; margin-bottom: 0em; visibility: visible;"><section style="display: inline-block; width: 100%; vertical-align: top; padding-right: 5px; padding-left: 5px; border-top: 1px solid rgb(179, 221, 233); border-top-left-radius: 0px; border-bottom: 1px solid rgb(179, 221, 233); border-bottom-right-radius: 0px; box-sizing: border-box; margin-bottom: 0em; visibility: visible;" powered-by="xiumi.us"><section style="margin: -6px 0%; box-sizing: border-box; visibility: visible;" powered-by="xiumi.us"><section style="display: inline-block; width: 100%; vertical-align: top; padding: 12px 6px; border-left: 1px solid rgb(179, 221, 233); border-bottom-left-radius: 0px; border-right: 1px solid rgb(179, 221, 233); border-top-right-radius: 0px; height: auto; box-sizing: border-box; margin-bottom: 0em; visibility: visible;"><section style="justify-content: center; margin: 10px 0%; box-sizing: border-box; visibility: visible;" powered-by="xiumi.us"><section style="display: inline-block; width: auto; vertical-align: top; min-width: 10%; max-width: 100%; height: auto; border-bottom: 17px solid rgb(240, 244, 255); border-bottom-right-radius: 0px; box-sizing: border-box; margin-bottom: 0em; visibility: visible;"><section style="margin-right: 0%; margin-bottom: -8px; margin-left: 0%; box-sizing: border-box; visibility: visible;" powered-by="xiumi.us"><section style="letter-spacing: 0px; line-height: 1; font-size: 17px; color: rgb(49, 94, 163); padding-right: 5px; padding-left: 5px; box-sizing: border-box; margin-bottom: 0em; visibility: visible;"><p style="box-sizing: border-box; margin-bottom: 0em; visibility: visible;"><strong style="box-sizing: border-box; margin-bottom: 0em; visibility: visible;">案件经过</strong></p></section></section></section></section><section style="margin-right: 0%; margin-left: 0%; box-sizing: border-box; margin-bottom: 0em; visibility: visible;" powered-by="xiumi.us"><section style="font-size: 17px; letter-spacing: 1px; line-height: 2; color: rgb(0, 0, 0); text-align: justify; box-sizing: border-box; margin-bottom: 0em; visibility: visible;"><p style="white-space: normal; box-sizing: border-box; margin-bottom: 0em; visibility: visible;"><br style="box-sizing: border-box; margin-bottom: 0em; visibility: visible;"></p><section style="white-space: normal;box-sizing: border-box;margin-bottom: 0em;margin-left: 8px;margin-right: 8px;"> 李某甲与李某乙系父子关系。李某甲名下有一辆A车、一辆B车，并<strong><span style="color: rgb(171, 25, 66);">分别为两辆车购买了交强险及商业三者险。</span></strong>2020年10月某日，李某乙驾驶A车行驶在某高速路上，追尾了李某甲驾驶的B车及另外两辆车<strong>，</strong><span style="color: rgb(171, 25, 66);"><strong>造成四车受损的交通事故。经认定，李某乙负事故的全部责任。</strong></span>保险公司在赔偿完另外两辆车后，认为李某甲驾驶的B车造成的损失不属于保险责任赔偿范围，拒绝理赔。<span style="color: rgb(171, 25, 66);"><strong>李某甲遂将李某乙及保险公司诉至法院。</strong></span></section><section style="white-space: normal;box-sizing: border-box;margin-bottom: 0em;margin-left: 8px;margin-right: 8px;"><span style="color: rgb(171, 25, 66);"><strong><br></strong></span></section><section style="white-space: normal;box-sizing: border-box;margin-bottom: 0em;margin-left: 8px;margin-right: 8px;"> 保险公司辩称，李某甲与李某乙系父子关系，依据李某甲与保险公司签订的商业三者险合同的相关规定，被保险人及其家庭成员、<span style="color: rgb(171, 25, 66);"><strong>被保险人允许的驾驶人及家庭成员所有、管理的财产损失，保险人不负赔偿责任，</strong></span>且保险公司已经就免责条款履行了提示和明确说明义务，保险公司不应当承担赔偿责任。</section><p style="white-space: normal;box-sizing: border-box;margin-bottom: 0em;"><br style="box-sizing: border-box;margin-bottom: 0em;"></p></section></section><section style="justify-content: center;margin: 10px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: auto;vertical-align: top;min-width: 10%;max-width: 100%;height: auto;border-bottom: 17px solid rgb(240, 244, 255);border-bottom-right-radius: 0px;box-sizing: border-box;margin-bottom: 0em;"><section style="margin-right: 0%;margin-bottom: -8px;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="letter-spacing: 0px;line-height: 1;font-size: 17px;color: rgb(49, 94, 163);padding-right: 5px;padding-left: 5px;box-sizing: border-box;margin-bottom: 0em;"><p style="box-sizing: border-box;margin-bottom: 0em;"><strong style="box-sizing: border-box;margin-bottom: 0em;">法院判决</strong></p></section></section></section></section><section style="margin-right: 0%;margin-left: 0%;box-sizing: border-box;margin-bottom: 0em;" powered-by="xiumi.us"><section style="font-size: 17px;letter-spacing: 1px;line-height: 2;color: rgb(0, 0, 0);text-align: justify;box-sizing: border-box;margin-bottom: 0em;"><p style="white-space: normal;box-sizing: border-box;margin-bottom: 0em;"><br style="box-sizing: border-box;margin-bottom: 0em;"></p><section style="white-space: normal;box-sizing: border-box;margin-bottom: 0em;margin-left: 8px;margin-right: 8px;"> 法院审理认为，现代社会一人拥有多台车辆的情况日益增多，车辆驾驶人与所有权人不一的情况时有发生。从商业三者险的性质来看属于责任保险，当发生交通事故时，责任保险实质是转移驾驶人的风险、责任，并不当然是被保险人的风险、责任；从合同的相对性来看，<span style="color: rgb(171, 25, 66);"><strong>商业三者责任险合同为“一车一保”，一辆机动车对应一份保险合同，即使是同一被保险人的车辆发生事故，发生事故的机动车之间也构成相对独立的肇事方和受损方，应按照各自的保险合同关系进行处理。</strong></span><br></section><section style="white-space: normal;box-sizing: border-box;margin-bottom: 0em;margin-left: 8px;margin-right: 8px;"><br></section><section style="white-space: normal;box-sizing: border-box;margin-bottom: 0em;margin-left: 8px;margin-right: 8px;"> 本案中，李某甲虽为A车、B车的所有人，但李某乙作为A车的驾驶人，系李某甲驾驶的B车的侵权责任人，理应在商业三者险限额内赔偿，<span style="color: rgb(171, 25, 66);"><strong>法院依法判决保险公司赔偿车主15万余元。</strong></span></section><p style="white-space: normal;box-sizing: border-box;margin-bottom: 0em;"><br style="box-sizing: border-box;margin-bottom: 0em;"></p></section></section><section style="justify-content: center;margin: 10px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: auto;vertical-align: top;min-width: 10%;max-width: 100%;height: auto;border-bottom: 17px solid rgb(240, 244, 255);border-bottom-right-radius: 0px;box-sizing: border-box;margin-bottom: 0em;"><section style="margin-right: 0%;margin-bottom: -8px;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="letter-spacing: 0px;line-height: 1;font-size: 17px;color: rgb(49, 94, 163);padding-right: 5px;padding-left: 5px;box-sizing: border-box;margin-bottom: 0em;"><p style="box-sizing: border-box;margin-bottom: 0em;"><strong style="box-sizing: border-box;margin-bottom: 0em;">法官说法</strong></p></section></section></section></section><section style="margin-right: 0%;margin-left: 0%;box-sizing: border-box;margin-bottom: 0em;" powered-by="xiumi.us"><section style="font-size: 17px;letter-spacing: 1px;line-height: 2;color: rgb(0, 0, 0);text-align: justify;box-sizing: border-box;margin-bottom: 0em;"><p style="white-space: normal;box-sizing: border-box;margin-bottom: 0em;"><br style="box-sizing: border-box;margin-bottom: 0em;"></p><section style="white-space: normal;box-sizing: border-box;margin-bottom: 0em;margin-left: 8px;margin-right: 8px;"> 从商业三者险设立目的来看，其保险宗旨和核心价值在于<span style="color: rgb(171, 25, 66);"><strong>确保第三者因交通事故受到伤害和财产损失时能够从保险人处获得救济，以保护不特定的第三者的利益。</strong></span></section><section style="white-space: normal;box-sizing: border-box;margin-bottom: 0em;margin-left: 8px;margin-right: 8px;"><br></section><section style="white-space: normal;box-sizing: border-box;margin-bottom: 0em;margin-left: 8px;margin-right: 8px;"> 保险合同中格式条款虽约定了被保险人及其家庭成员、被保险人允许的驾驶人及家庭成员所有、管理的财产损失，保险人不负赔偿责任，且保险公司已就免责条款履行了提示和明确说明义务，<span style="color: rgb(171, 25, 66);"><strong>但该条款的设立目的是防止投保人为骗取保险金，人为制造保险事故的道德风险。</strong></span></section><section style="white-space: normal;box-sizing: border-box;margin-bottom: 0em;margin-left: 8px;margin-right: 8px;"><br></section><section style="white-space: normal;box-sizing: border-box;margin-bottom: 0em;margin-left: 8px;margin-right: 8px;"> 现实生活中，<span style="color: rgb(171, 25, 66);"><strong>一人名下的两辆车存在由不同驾驶人员驾驶并发生交通事故的可能，保险公司对此情况应当清楚，</strong></span>在排除人为制造事故的情况下，若保险公司不进行赔付既不符合投保人的投保目的，亦不符合保险合同分散社会风险、及时填补损失的理念。</section></section></section></section></section></section></section></section><section style="box-sizing: border-box; margin-bottom: 0em;" powered-by="xiumi.us"><section style="font-size: 16px; box-sizing: border-box; margin-bottom: 0em;"><section style="margin-top: 0.5em;margin-bottom: 0.5em;box-sizing: border-box;" powered-by="xiumi.us"><section style="border-top: 1px dashed rgb(201, 198, 198);box-sizing: border-box;margin-bottom: 0em;"><section style="margin-bottom: 0em;"><svg viewBox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;margin-bottom: 0em;"></svg></section></section></section></section><p style="box-sizing: border-box; margin-bottom: 0em;"><font size="1" color="#696969">来源：中国普法</font><br></p></section><section style="font-size: 17px; line-height: 2; color: rgb(0, 0, 0); box-sizing: border-box; margin-bottom: 0em;" powered-by="xiumi.us"><p style="box-sizing: border-box;margin-bottom: 0em;"><br></p></section></section>
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