【裁判要旨】投保人通过保险公司正式设立的营销部购买机动车第三者责任险,营销部营销人员为侵吞保费,将自己伪造的、内容和形式与真保单完全一致的假保单填写后,加盖伪造的保险公司业务专用章,通过营销部的销售员在该营销部内销售并交付投保人。作为不知情的善意投保人有理由相信其 【Referee essence】 Insured through the insurance company officially set up the marketing department to buy motor vehicle third party liability insurance, Marketing Marketing personnel to embezzle premiums, their fake, content and form exactly the same with the true policy of the fake policy, Stamped for the insurance company's business forged chapter, through the sales department sales staff in the marketing department and delivery insured. As an uninformed goodwill applicant has reason to believe it