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司机肇事逃逸保险公司依法拒赔
2017-08-08 10:32:42 中国青年网
兰州晚报讯(记者许沛洁)交通肇事后弃车逃逸,司机在事故发生后,又向保险公司申请理赔。昨日,兰州铁路运输法院公布案件一审判决,驳回司机的诉讼请求。
2015年8月,徐某为其所有的轿车投保了机动车商业保险和交强险。2015年10月24日,徐某驾车将路边行人小权(化名)刮撞致伤,事故发生后,徐某弃车逃逸,小权被送往医院,经抢救无效死亡。
本事故经兰州市公安局交通警察支队雁滩大队认定,徐某承担事故全部责任。
事故发生后,徐某与小权家属达成赔偿协议,赔偿家属85万元,并取得家属谅解。兰州市城关区人民检察院作出城检公诉刑不诉[2016]8号不起诉决定书,认为徐某违反交通运输管理法规,因而发生重大事故,致一人死亡,其行为已触犯《中华人民共和国刑法》之规定,犯罪事实清楚,证据确实充分,其行为构成交通肇事罪。但鉴于徐某犯罪情节轻微,且有自首情节,并已对被害人家属进行赔偿,取得被害人家属的谅解,决定对徐某不起诉。后徐某向保险公司申请理赔,保险公司根据商业险条款:“事故发生后,被保险人或驾驶人在未依法采取措施的情况下驾驶保险车辆或者遗弃保险车辆逃离事故现场,或故意破坏、伪造现场、毁灭证据的,保险公司不负责赔偿,作出拒赔通知书。徐某不服,将保险公司告上法庭。
兰州铁路运输法院认为,本案中,经公安交警部门认定,徐某为弃车逃逸,违反了法律明确禁止性规定,属于保险合同的免责条款约定情形。法院判决:驳回原告徐某的全部诉讼请求。
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