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1985年5月1日,个体户刘某将自己的黄河牌汽车向县保险公司投保,保险金额4万元保险期限1年.1986年1月25日,刘某的好友陈某也将自己价值3万元的解放牌汽车按八折向县保险公司投保.2月10日,刘某与陈某签订了一份汽车调换合同.合同规定汽车对调,陈某补给刘某1万元。随后双方即换了汽车,但双方未去当地车辆管理部门办理过户手续,也未将换车情况书面通知保险公司。86年3月15日,陈某驾驶黄河牌汽车在运输途中发生翻车事故,化去车吊、拖和修理费7千多元。事故发生后,陈某、刘某如实向保险公司说明情况,要求赔偿。保险公司以汽车调换未按《财产保险合同条例》(下称《条例》)规定办理批改手续为由,拒绝赔偿。刘某为此向人民法院诉请赔偿。
May 1, 1985, self-employed Liu will be the Yellow River car insurance insured to the county, the insurance amount of 40,000 yuan insurance period of 1. January 25, 1986, Ryu’s friend Chen will also value 3 Million yuan liberation of the car by 20 percent to the county insurance company insured February 10, Ryu and Chen signed a car swap contract, the car swap, Chen Liu supply 1 million. Then the two sides changed the car, but the two sides did not go to the local vehicle management department for transfer procedures, nor change the situation written notice to the insurance company. March 15, 1986, Chen driving the Yellow River brand cars overturned in the transit accident, the car hanging, towing and repair costs more than 7 thousand yuan. After the accident, Chen, Liu truthfully to the insurance company to explain the situation, ask for compensation. Insurers refused to pay for failing to apply for alteration procedures in accordance with the “Property Insurance Contract Regulations” (hereinafter referred to as the “Regulations”) as a result of vehicle exchange. Ryu to the people’s court for compensation.