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2014年11月8日,郑某将车借给同乡潘某出去游玩,谁料,潘某驾车途中与强某的车辆发生碰撞,致两车损坏。交管部门认定潘某负事故全部责任,郑某出借车辆并无过错,不承担赔偿责任;潘某赔偿强某车辆损失13万余元。潘某全额履行了交通事故赔偿后,郑某找投保的保险公司要求给付相应的保险金额,保险公司认为不是投保人驾车,发生事故不予赔偿。郑某将该保险公司起诉至法院。
November 8, 2014, Jeong leased to his hometown Panmou go out to play, unexpectedly, Panmou car and Qiangmou vehicles collide, resulting in two car damage. Traffic management department found Panmou all the responsibility for the accident, Jeong leased vehicles without fault, does not assume liability for compensation; Panmou strong compensation for a vehicle loss of more than 130,000 yuan. Panmou full implementation of the accident compensation, Jeong looking for insured insurance company to pay the appropriate amount of insurance, the insurance company that is not the insured person driving, the accident will not be compensated. Jeong charged the insurance company to the court.