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2004年3月22日,蒋先生到保险公司为自己的轿车投保了一年的损失险、第三者责任险、盗抢险。同年4月6日凌晨,华先生驾驶蒋先生的车至西城区某街路口时,与路西侧广告牌相撞,车辆损坏严重。华先生雇大陆汽车俱乐部救援车将事故车辆拖到了修理厂,紧接着向交通队报案并向保险公司报告出险。根据驾驶员华先生陈述,交通队认定华先生对事故负全部责任。当日,保险公司派工作人员前往修理厂对事故车辆现场拍照,后以事故原因不明为由拒绝赔偿蒋先生。蒋先生把保险公司起诉到法院。
March 22, 2004, Mr. Jiang insured to the insurance company for one year, the loss of insurance, third party liability insurance, robbery. In the early hours of April 6 of the same year, Mr. Hua collided with a billboard on the west side of the road while driving Mr. Jiang’s car to the intersection of a street in Xicheng District, causing serious damage to the vehicle. Mr Wah hired a mainland auto club rescue vehicle to tow the accident vehicle to the repair shop, followed by reporting to the traffic team and reporting the danger to the insurance company. According to Mr. Hua’s statement from the driver, the Traffic Team found Mr. Hua to be fully responsible for the accident. On the same day, the insurance company dispatched staff to go to the repair shop to take pictures of the scene of the accident vehicle and later refused to compensate Mr. Jiang for the reason of the accident. Mr. Chiang sued the insurance company to the court.