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【裁判要旨】机动车辆保险合同中,保险公司对以死者名义投保的车辆,在转户后未办理保单批改手续发生的交通事故,并不当然免责。机动车转让并非属于投保人必须如实告知的重要事项,在转让机动车没有导致保险责任的显著增加之情形时,保险公司应承担保险责任。案号一审:(2011)九法民初字第03740号【案情】原告:杨彬。被告:永安财产保险股份有限公司重庆九龙坡支公司。2006年7月28日,原告杨彬之父杨玉楼因病死亡。2006年9月4日,原告以“杨玉楼”为投保人
Referee motivation Motor vehicle insurance contract, the insurance company insured in the name of the deceased’s vehicle, after the transfer failed to handle the accident insurance reform occurred in the accident, and not of course exempted. The transfer of a motor vehicle is not an important matter that the policyholder must truthfully inform. An insurer should bear the insurance liability when the transfer of the motor vehicle does not result in a significant increase in the insurance liability. Case number first instance: (2011) nine law early word 03740 【Case】 plaintiff: Yang Bin. Defendant: Wing On Property Insurance Co., Ltd. Chongqing Jiulongpo branch. July 28, 2006, the father of Yang Bin, Yang Bin, died of illness. September 4, 2006, the plaintiff “Yang Yu Lou ” as the insured person