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擅自离开车祸现场责任难查保险拒赔

2017-08-27 04:16:53   中国青年网

□ 本报记者 潘从武

本报通讯员 孟亚东 张锦

2015年1月19日,拜某驾驶车辆在行驶途中与路政设施相撞,造成车辆受损。事发后,拜某不仅没有报警,还擅自离开了现场,之后由其朋友赶至现场向交警报案。第二天上午拜某才向保险公司报案,而此时事故现场早已消失,保险公司未能进行现场勘查。

2015年2月5日,当地交管部门作出事故认定书,“经调查,拜某驾车发生交通事故,但事故发生的原因至今无法查明,拜某负事故的全部责任”。后拜某对受损车辆进行修理,产生修理费7.1万余元,因事故产生救援费260元,交通费300元。

拜某办完所有手续后,向保险公司提出索赔,但保险公司以事故原因无法查明,不属于保险责任为由拒绝赔偿,拜某选择诉至法院。

一审法院审理后,认定拜某应当承担举证不能的责任,判决驳回了其诉讼请求。拜某不服提起上诉。新疆维吾尔自治区乌鲁木齐铁路运输中级法院终审后,驳回拜某上诉,维持原判。

法官庭后表示,因拜某未能在事发的第一时间接受交管部门的调查询问,且未在第一时间向保险人报案,致使事故发生的原因无法查明。同时,拜某亦未能向法庭提供证据证明事发当时其受伤必须离开现场,或存在因交通或通讯不便等不能通知保险人的情形,据此,法院认定拜某应当承担举证不能的责任。

乌铁中院法官提示车主,如驾车途中发生事故,应第一时间抢救伤者,并及时报警、报险。在面对突发交通事故时,正确积极的处理方式才是解决问题的最好途径。

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