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1999年3月,个体工商户李宏与某保险公司签订了一份机动车保险合同。合同期限为一年,保险车辆为一辆8吨卡车和一辆5吨卡车。李宏已经交清保险费用。保险合同约定:“被保险人及其驾驶员应当做好保险车辆的维护、保养工作,保险车辆装载必须符合规定,使其保持安全行驶技术状态。被保险人及其驾驶员应根据保险人提出的消除不安全因素和隐患的建议,及时采取相应的措施。”合同还约定,保险人有权对保险车辆进行安全检查。合同生效后,保险公司曾3次到李宏家进行安全检查,认为两辆卡车保养
In March 1999, individual industrial and commercial household Li Hong signed a motor vehicle insurance contract with an insurance company. The term of the contract is one year and the insurance vehicle is an 8-ton truck and a 5-ton truck. Li Hong has paid the insurance costs. The insurance contract stipulates that: “The insured and his driver shall do the maintenance and repair work of the insurance vehicle, and the loading of the insurance vehicle must comply with the regulations so as to maintain the safe driving technical status. The insured and his driver shall, according to the insurer Proposed to eliminate unsafe factors and hidden dangers of the proposal, take timely and appropriate measures. ”The contract also agreed that the insurer has the right to carry out safety inspections of the insurance vehicles. After the entry into force of the contract, the insurance company conducted a safety inspection three times to Li Hong-jia and believed that two trucks were to be maintained