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有些车主认为,只要为自己的爱车上了保险,发生了一切事故就都不怕了,因为保险公司会负责赔偿。可是,发生在汽车修理厂的事故,保险公司也会赔偿吗?答案是否定的。 去年7月,迟先生为自己的爱车在某保险公司(本案被告)投保了车辆损失险和第三者责任险。11月中旬,他驾车到汽修厂为车辆做保养,没想到车刚开进门,就不小心撞上了汽修厂的四轮定位电脑,结果造成车和电脑的损失共计近万元。当迟先生到保险公司要求理赔时,保险公司却以“事故发生在修理期间”为由不予赔偿。迟先生认为,在保险合同中,保险公司未作出保险车辆在保养期间发生碰撞应当拒赔的规定,同时,也没有明确告诉其此种情况下拒赔,保险公司未履行如实告知义务,因此,迟先生将保险公司告上法庭。迟先生还认为,当时是为车辆做保养,而不是去修
Some owners believe that as long as the insurance for their car, all accidents are not afraid, because the insurance company will be responsible for compensation. However, the accident occurred in the auto repair shop, the insurance company will pay it? The answer is no. In July last year, Mr. Chi insured vehicle loss insurance and third party liability insurance for his car at an insurance company (defendant in this case). In mid-November, he drove to the auto repair shop for vehicle maintenance, did not expect the car just opened the door, accidentally hit the auto repair plant’s four-wheel positioning computer, resulting in a total loss of cars and computers for nearly ten thousand yuan. When Mr. Chi claims to the insurance company claims, the insurance company has “compensation for the accident occurred during the repair” as an excuse. Mr. Chi believes that in the insurance contract, the insurance company failed to make provisions for the collision of insurance vehicles during maintenance should also be refunded, but also did not explicitly tell them to refuse to pay in this case, the insurance company failed to fulfill its obligation of truthful disclosure, therefore, Mr. Chi sued the insurance company in court. Mr. Chi also believes that maintenance was done for the vehicle at that time, not for repair