案情简介及争议焦点一、案情简介2012年4月27日,贺某向某保险公司投保机动车辆商业险,投保险种包含了车辆损失险,保险期间自2012年4月30日零时至2013年4月29日24时止。双方签订的《机动车商业保险条款》第二章第一条规定,在保险期间内,被保险人或其允许的合法驾驶人在使用保险车辆过程中,因“雷击、暴风、龙卷风、暴雨、洪水、海啸、地陷、冰陷、崖崩、雪崩、雹灾、泥石流、滑坡”等原因造成保险车辆的损失,保险人按照保险合同的规定负责赔偿。第二章第六条规定:“保险车辆因遭水淹或因涉水行驶致使发动机损坏的 Brief introduction to the case and the focus of the dispute I. Brief introduction of the case On April 27, 2012, Hemou insured a motor vehicle commercial insurance to an insurance company. The type of insurance covered the vehicle loss insurance. The insurance period ranged from 0:00 on April 30, 2012 to 2013 At 24 o’clock on the April 29 only. During the period of insurance, the insured or his permitted lawful driver, during the period of using the insurance vehicle, may, because of ”lightning stroke, storm, tornado, rainstorm Floods, tsunamis, subsidence, ice traps, avalanches, avalanches, hail lands, landslides, landslides and other causes of loss of insurance vehicles, the insurer in accordance with the provisions of the insurance contract is responsible for compensation. Chapter VI, Article VI provides: "insurance vehicles due to flooding or wading caused by engine damage