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被告李某驾驶被告童某所有的中型普通客车行驶中遇原告戴某横过道路,李某避让不及,将戴某撞倒,造成戴某受伤、中型普通客车受损的道路交通事故。被告童某系中型普通客车的所有人,为该车在某财险公司购买了机动车商业第三者责任险,赔偿限额为20万元,并投保不计免赔率。事故发生后,保险公司以被告李某准驾不符,按保险合同第四条“发生意外事故时,驾驶人为以下情形的,保险人不负赔偿责任:驾驶与驾驶证载明的准驾车型不符的机动车的”的约定拒赔。
Defendant Lee driving the accused Tongmou all medium-sized ordinary passenger car in the event of a plaintiff wearing a cross the road, Lee avoid less than, Daimou knocked down, resulting in Dai injured, medium-sized ordinary bus damaged road traffic accidents. Defendant Tong a department of medium-sized ordinary passenger car owners, for the car in a property and casualty insurance company purchased motor vehicle third party liability insurance, the compensation limit of 200,000 yuan, and insured regardless of the deductible. After the accident, the insurance company to the defendant Lee quasi-drive does not match, according to the insurance contract Article IV “In the event of an accident, the driver of the following circumstances, the insurer is not liable for compensation: driving and driving license Inconsistent motor vehicle ”agreement to refuse to pay.