陕西省靖边县人民法院民事判决书                                 （2020）陕0824民初5627号 原告：樊新明，男，1971年1月4日出生，汉族，现住靖边县，身份证号码：61272XXXX101041817，联系电话：1509112****。被告：永安财产保险股份有限公司榆林中心支公司。法定雷广平，代表人：，系负责人。住址：陕西省榆林市榆阳区XX路XX苑XX号楼XX楼XX楼。委托代理人：杨府凡，系公司员工，联系电话：1592914****。原告樊新明与被告永安财产保险股份有限公司榆林中心支公司保险(以下简称保险公司)合同纠纷一案，本院于2020年10月12日立案受理后，依法适用简易程序，于2020年12月17日公开开庭进行了审理。原告樊新明、被告保险公司的委托代理人杨府帆到庭参加诉讼。本案现已审理终结。原告向本院提出诉讼请求：1、依法判令被告退还原告垫付的车辆损失共计：5200元。2、本案诉讼费用由被告承担。事实和理由： 2020年2月3日，原告在被告处购买了交强险及商业车损险。2020年6月28日，原告行驶至靖边县XX路XX+29M处时，与高某某驾驶的三轮车发生碰撞，致使原告车辆受损，且经被告指定靖边县小吕汽修厂定损，确定车辆损失共计9100元。后经原被告多次协商，要求被告赔偿原告车损，但被告均以种种理由推诿只赔偿3900元，剩余5200元不予赔偿，原告诉至法院。被告保险公司辩称, 本案并非追偿权纠纷，我公司与原告为保险合同关系。根据事故认定书认定，原告与高某某负事故的同等责任，原告的损失首先应当由高某某驾驶的三轮车交强险范围内先行赔偿。不足部分应按照事故划分比例承担，故原告现诉请车辆损失应由高某某承担，我公司不承担赔偿责任，请求依法驳回原告诉请。当事人围绕诉讼请求依法提交了证据，本院组织当事人进行了证据交换和质证。对当事人无异议的证据，本院予以确认并在卷佐证。对有争议的证据和事实，本院认定如下：对原告提交的第三组证据机动车辆损失情况确认书1份，发票1支，微信支出截图2支。被告质证对原告提交的第三组证据的真实性均无异议，对证明目的均有异议。但被告的异议理由不成立，故本院对该组证据的真实性予以确认，证明目的予以采信。本院根据双方当事人的举证、质证以及法庭认定，查明以下事实：2020年6月28日，原告驾车行驶至靖边县XX路XX+29M处时，与高某某驾驶的三轮车发生碰撞，致使原告车辆受损。靖边县公安局交通警察大队于2020年7月15日作出了靖公交认字（2020）第0234号道路交通事故认定书，认定：当事人高某某、樊新民共同承担此事故同等责任。原告向被告保险公司报案，被告保险公司定损员乔某某指定原告在靖边县小吕汽修厂定损并维修，原告车辆损失确定为9100元。事后定损员乔某某指使原告给小吕汽修厂支付5200元维修费，保险公司承担了3900元的维修费。因原告在被告保险公司购买了商业车损险及交强险，所以原告认为自己不应当承担维修费用，故诉请保险公司予以返还。本院认为，本案争议焦点为：1、本案属于追偿权纠纷还是保险合同纠纷？2、被告是否应当承担赔偿责任。本案中，原告樊新明在被告保险公司处为其所有的陕KXXXXX长城牌轻型栏板货车投保了商业车损险一份，原、被告之间保险合同合法有效，应受法律保护。原告作为被保险人，其投保的车辆陕KXXXXX长城牌轻型栏板货车发生保险事故造成车辆损失，被告保险公司应当按照保险合同的约定，在机动车损失保险责任限额内向原告承担理赔责任。故本案应属于保险合同纠纷。此次交通事故造成原告的车辆损失，被告保险公司应当按照保险合同的约定向原告赔偿。本次事故给原告造成的损失为9100元，原告自行垫付了5200元，故本院对原告请求被告赔偿原告车辆损失费5200元的诉请，依法予以支持。综上所述，依照《中华人民共和国合同法》第八条、第四十四条、第六十条、《中华人民共和国保险法》第十四条、第六十条第一款之规定，判决如下：由被告永安财产保险股份有限公司榆林中心支公司于本判决生效之日起十日内在商业险责任限额内赔偿原告樊新明车辆损失费5200元。如果未按照本判决指定的期间履行给付金钱义务，应当依照《中华人民共和国民事诉讼法》第二百五十三条之规定，加倍支付迟延履行期间的债务利息。案件受理费50元，减半收取25元。由被告永安财产保险股份有限公司榆林中心支公司负担。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   如不服本判决，可在判决书送达之日起十五日内向本院递交上诉状，并按对方当事人的人数提出副本，上诉于陕西省榆林市中级人民法院。                                审  判  员   牛怀玉                           二O二O年十二月二十二日                           书  记  员   冯二通 1