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某保险公司在车损险保险条款中记载:保险人依据被保险机动车驾驶人在事故中所负的事故责任比例,承担相应赔偿责任。该条款隐藏于保险合同冗长的篇幅之中,看似不起眼,却实质上免除了保险公司部分先行垫付的法定义务,成了保险公司逃避责任的“帮凶”。前不久,有一个“愣头青”不信邪,将该保险公司告上了法庭。4月27日,随着南通市中级人民法院终审判决书的送达,这起保险合同纠纷落下帷幕。法院认为,该保险条款有违法律规定,存在巨大道德风险,应认定无效,判决被告长安责任保险股份有限公司南通市中心支公司(以下简称长安保险公司)败诉。
An insurance company in the car damage insurance clause records: the insured motor vehicle driver in accordance with the accident in the accident responsibility, bear the corresponding liability. This clause, hidden in the lengthy length of the insurance contract, appears to be modest, but virtually eliminates the statutory obligation of the insurance company to advance in advance and becomes the “accomplice” of the insurance company to evade its liability. Not long ago, there was a “stunned youth,” not believing in the lawsuit and brought the insurance company to court. On April 27, with the final judgment verdict of Nantong Intermediate People’s Court, the dispute over insurance contract came to an end. The court held that the provisions of the insurance violated the law, there is a huge moral hazard, should be found invalid, the defendant Chang’an Liability Insurance Co., Ltd. Nantong City Branch Company (hereinafter referred to Chang’an Insurance Company) lost.