陕西省洛川县人民法院民事判决书（2021）陕0629民初50号 原告：高富军，男，1979年12月26日出生，汉族，陕西省富县富城镇旧街居民，现住富县上城花园。委托诉讼代理人：田甜，女，陕西富华律师事务所律师。被告：王喜玉，男，1985年10月14日出生，汉族，河南省鹤壁市淇滨区九州路居民，现住富县张村驿镇驿岳家园小区。被告：中国人民财产保险股份有限公司安阳市分公司，住所地：安阳市殷都区文峰大道中段。法定代表人：牛江良，男，系该公司总经理。委托诉讼代理人：张鹏，男，河南兴邺律师事务所律师。原告高富军与被告王喜玉、中国人民财产保险股份有限公司安阳市分公司（以下简称：财保安阳分公司）机动车交通事故责任纠纷一案，本院于2021年1月5日立案后，依法适用简易程序，公开开庭进行了审理。原、被告均到庭参加诉讼。本案现已审理终结。 原告高富军向本院提出诉讼请求：1.请求判令二被告赔偿原告医疗费78938.72元、住院伙食补助费用10800元、残疾赔偿金144392元、后续治疗费15000元、鉴定费2400元、交通费7179元、精神损害赔偿金10000元，共计293409.72元。 2.本案诉讼费由被告承担。庭审中，原告变更诉讼请求为：1.请求判令二被告赔偿原告医疗费78938.72元、住院伙食补助费用10800元、残疾赔偿金151472元、后续治疗费15000元、鉴定费2400元、交通费7217元、精神损害赔偿金10000元，共计293409.72元。2.本案诉讼费由被告承担。事实与理由：原告高富军受被告王喜玉雇佣，负责装运货物。2018年4月30日，原告乘坐被告王喜玉安排的货运车辆（驾驶员高富民，车号豫E73698号车、豫EQ916挂车）沿304省道由洛川县城向老庙镇方向行驶，行至304省道165KM+855M处时车辆侧翻，造成原告受伤。事故发生后，原告先后在洛川县医院、延安市人民医院、第四军医大学西京医院治疗，在第四军医大学西京医院住院治疗5天。2019年5月10日，经洛川县公安局交警队委托陕西公正司法鉴定中心作出鉴定意见书，鉴定意见为：原告脊柱损伤构成九级伤残，后续医疗费预计15000元、误工期180日、护理期90天、营养期90天。事故发生时，被告王喜玉车辆豫E73698号车（豫EQ916挂车）在被告财保安阳分公司投保车上人员险，保额为100000元。原告多次与被告协商无果。遂起诉至法院依法判决。被告王喜玉辩称，对交警队认定的事故经过没有异议，愿意承担相应的责任。被告财保安阳分公司辩称，1.豫E73698号车在我司投保车上人员责任险（责任限额100000元/座），被保险人为安阳市万方物流有限公司。2.豫E73698号车、豫EQ916挂车系营运车辆，按照相关法律规定和保险合同约定，被保险人应当向他公司提供车辆的行驶证、营运证、驾驶员的驾驶证和货运驾驶员从业资格证等相关证件，否则，公司商业险予以拒赔。经公司通过官方网站查询：事故发生时，驾驶员高富民具有经营性道路旅客运输驾驶员从业资格证，而不具有经营性道路货物运输驾驶员从业资格证，依据机动车车上人员责任险第四十天第二项第6目的规定，被告公司车上人员险予以拒赔。3.本案系侵权案件，保险公司不是侵权人，在本案中也无任何过错，仅是按照保险合同约定承担保险责任。按照保险合同的约定：诉讼费、鉴定费、评估费等费用他公司不承担。4.原告诉讼请求过高，不合理部分及无证据证明部分不应得到支持。 为支持其诉讼请求，原告提供证据如下：证据1.洛川县公安局交通警察大队洛公交认字第44号道路交通事故认定书一份,证明豫E73698号车（豫EQ916挂）驾驶人高富民对本案事故负全部责任，原告高富军无责任。证据2.安阳市万方物流有限公司出具的证明，证明被告王喜玉系豫E73698号车（豫EQ916挂）挂车的实际车主；豫E73698/豫EQ916号车辆驾驶人高富民与被告王喜玉系雇员与雇主关系。证据3.中国人民解放军第四军医大学西京医院住院病历、出院证、诊断证明、出院证， 证明原告因该起事故身体受到伤害，经诊断为腰2椎体爆裂骨折，住院治疗5天，二被告应赔付原告住院伙食补助费400元。证据4.医疗票据25张。证明原告因该起事故支出医疗费78938.72元。证据5.交通费票据7张，证明原告因该起事故支出交通费7217元。证据6.陕西公正司法鉴定中心司法鉴定意见书及鉴定费发票。证明经洛川县交警队委托，陕西公正司法鉴定中心作出陕公正司鉴（2019）临鉴字第3503号司法鉴定意见书：原告损伤鉴定为九级伤残，后续治疗费预计为15000元，误工期180日，护理期90日，营养期90日。依据该鉴定结论，二被告应赔付原告残疾赔偿金151472元、后续治疗费15000元、营养费2700元，误工费21600元、护理费10800元、鉴定费为2400元。证据7.高富民从业资格证，证实高富民具有经营性货物运输从业资格。被告王喜玉未向法庭提供证据。被告财保安阳分公司提供证据1.国家政务服务平台查询网页截屏两页，证明目的：事故发生时，驾驶员高富军仅有经营性道路旅客运输驾驶员从业资格证，无货运驾驶员从业资格证。证据2.机动车综合商业保险条款，证明：机动车车上人员责任险第四十天第二项第6目的规定，事故发生时，驾驶员无货运驾驶员从业资格证的，车上人员险予以拒赔。证据3.豫E73698号车商业险保险单、投保单,免责项说明书投保人声明证明目的：投保单投保人声明部分证明：在投保人投保时，保险公司已经按照保险法的相关规定，给投保人提供了保险条款，并对于其中的免责条款尽到了自己的说明告知义务，投保人在投保单免责声明部分签字予以确认，随后交纳了保险费，保险公司出具了保险单，保险合同成立，免责条款合法有效。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          经过证据交换和庭审质证、认证，被告王喜玉对原告递交6组证据无异议。被告财保安阳分公司对证据1、2、3、4、6无异议，对证据5的交通费票据有异议，认为费用过高，应审查后酌减。原告对被告提供的证据有异议，对被告提交的证据1属于网页截屏，无法确认其真实性，不予采信；被告提交的证据2、3来源及形式合法，与本案有关联性，予以采信。原告提供的证据1、2、3、4、6来源及形式合法，与本案有关联性，予以采信。原告提交的证据5的交通费票据是正式发票，来源及形式合法，与本案有关联性，予以采信。经审理查明，2018年4月30日，原告乘坐被告王喜玉安排的货运车辆（驾驶员高富民：车号豫E73698号车、豫EQ916挂车）沿304省道由洛川县城向老庙镇方向行驶，行至304省道165KM+855M处时车辆侧翻，造成原告受伤。事故发生后，洛川县公安局交通警察大队洛公交认字第44号道路交通事故认定书,认定豫E73698号车（豫EQ916挂）驾驶人高富民对本案事故负全部责任，原告高富军无责任。原告先后在洛川县医院、延安市人民医院、第四军医大学西京医院治疗，在第四军医大学西京医院住院治疗5天。经医院诊断为：腰2椎体爆裂骨折。治疗期间，原告高富军医疗费78938.72元。2019年5月10日，经洛川县公安局交警队委托陕西公正司法鉴定中心作出鉴定意见书，鉴定意见为：原告脊柱损伤构成九级伤残，后续医疗费预计15000元。误工期180日，护理期90天，营养期90天。事故发生时，被告王喜玉车辆豫E73698号车（豫EQ916挂）在被告财保安阳分公司投保车上人员险，保额为100000元。驾驶员高富民具有经营性货物运输从业资格。本院认为，延安市洛川县公安局交警大队作出的洛公交认字第44号《道路交通事故认定书》叙述事实清楚、认定责任准确，本院予以采信，据此被告王喜玉应当承担相应的赔偿责任。由于事故发生时，被保险车辆豫E73698（豫EQ916挂）号车在保险期内，在保额范围内的部分，应当由被告财保安阳分公司直接赔付，不足部分由被告王喜玉予以赔偿。驾驶员高富民属于被告王喜玉的雇员，其提供劳务过程中给他人造成的损害，应当由雇主即被告王喜玉赔偿。原告主张的误工费、护理费参照受诉法院所在地相同或者相近行业上一年度职工的平均工资计算。住院伙食补助费参照延安市洛川县当地国家机关工作人员的出差补助标准计算。误工费180天，计18000元；护理费按照鉴定意见确定为90天，按一人护理计算为9000元。残疾赔偿金依照陕西省高级人民法院《关于在全省机动车事故责任纠纷案件中统一适用城镇居民人身损害赔偿标准的意见（试行）》的通知，按照城镇居民标准赔偿为133276元。原告主张被告赔偿后续治疗费15000元的诉讼请求，予以支持。原告主张的精神抚慰金酌情赔偿5000元。被告财保安阳分公司辩称驾驶员高富民不具有经营性货物运输从业资格而拒赔的理由不能成立，应当在保额范围内予以赔偿。综上，原告高富军主张由被告中国人民财产保险股份有限公司洛川支公司在保额范围内赔付100000元的诉讼请求，予以支持。不足部分，由被告王喜玉赔偿。原告的其他诉讼请求，不予支持。依照《中华人民共和国民法通则》第一百零六条、第一百一十九条《中华人民共和国侵权责任法》第十六条、第三十五条《最高人民法院关于审理人身损害赔偿案件适用法律若干问题的解释》第六条、第七条、第八条、第九条、第十条、第十一条、第十二条《最高人民法院关于确定民事侵权精神损害赔偿责任若干问题的解释》第一条、第十条及《中华人民共和国民事诉讼法》第六十四条第一款的规定，判决如下：一、原告高富军医疗费78938.72元、护理费9000元、误工费18000元、伤残赔偿金133276元、后续治疗费15000元、伙食补助费500元、营养费2700元、鉴定费2400元、交通费7217元、精神抚慰金5000元，合计272031.72元。由被告中国人民财产保险股份有限公司安阳市分公司于本判决生效之日起三十日内给付原告高富军100000元；被告王喜玉于本判决生效之日起三十日内赔偿原告高富军172031.72元。二、驳回原告高富军的其他诉讼请求。如果未按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》第二百五十三条规定，加倍支付迟延履行期间的债务利息。 案件受理费5701元、减半收取2850.5元，由被告王喜玉负担。 如不服本判决，可以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，上诉于陕西省延安市中级人民法院。                     审  判  员     李  晓  峰                    二〇二一年三月十九日                        书  记  员   高     婷  1