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货物运输保险单中载明的运输工具为A主车/B挂车,发生事故时,牵引B挂车的不是保单上载明的A主车,而是C主车。由于保险合同中并未明确约定保单上载明的主挂车必须同时使用,否则发生保险事故造成的货物损失保险人不予赔偿,且保险公司也未就主车和挂车分开使用造成的车上货物损失属于保险人免责范围向原告明确告知过,因此,保险公司不能以主挂车必须配套使用的行业惯例拒赔。
Carriage of goods stated in the transport insurance policy for the A main car / B trailer, in the event of an accident, the traction of the trailer B is not listed on the policy A main car, but the C main car. As the insurance contract does not expressly stipulate that the main trailer specified in the policy must be used at the same time, otherwise, the insurer of the goods lost due to the insured event will not be compensated and the insurer has not compensated for the goods on board caused by the separate use of the main car and the trailer Loss belongs to the insurer exemption from the plaintiff clearly told, therefore, the insurance company can not be the main trailer must be supporting the use of the industry practice to refuse to pay.