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●案情 1995年6月20日,个体运输专业户赵某持证驾驶二轮摩托车行经204国道如皋市下原镇路段时,因避让行人不慎撞上路边护栏,致颅脑部严重受伤,后送医院抢救无效,翌日死亡。95年8月,受益人凭交警部门证明、医院证明“车祸致颅脑外伤抢救无效死亡”及两份保险单正本向保险公司申请给付驾驶员人身险保险金5000元。
● Case June 20, 1995, individual transport specialist Zhao license two-wheeled motorcycle pass 204 State Road Rugao town under the original section, due to avoid pedestrians accidentally hit the roadside fence, causing severe brain injury, Hospital evacuation invalid, died the following day. In August 1995, the beneficiaries were certified by the traffic police department and the hospital to prove that “the accidental death from craniocerebral injury caused by a car accident” and the original two insurance policies were submitted to the insurance company for the personal life insurance premium of 5,000 yuan.