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近年来,随着社会的发展,人民生活水平的提高,私家车不断增多,交通事故的发生也逐渐增多。其中,由飙车引发的交通事故在事故原因中占很大一部分。那么,在飙车造成车损的交通事故中,投保人向保险公司的索赔问题成为大家关注的热点。通过一则案例,引出飙车造成的车损,保险公司可否拒赔的问题。该案的一审法院、二审法院作出了不同的判决。主要通过分析二审法院改判的原因,分析保险公司拒赔的理论依据。
In recent years, with the development of society, the improvement of people’s living standards, the continuous increase of private cars and the increase of traffic accidents. Among them, traffic accidents caused by drag racing accounted for a large part of the cause of the accident. Well, drag racing caused by car damage in the accident, the insurer claims to insurance companies become the focus of attention. Passing a case leads to car damage caused by drag racing, the insurance company can refuse to pay the issue. The court of first instance and the court of second instance made different judgments. Mainly through the analysis of the reasons for the second court trial, analysis of the theoretical basis for insurance companies refused to pay.