陕西省靖边县人民法院 陕西省靖边县人民法院民事判决书                         （2019）陕0824民初4675号     原告刘丽，女，1978年7月25日出生，汉族，住四川省巴中市巴州区，身份证号码:513XXXXXXXXXXXXXXX，联系方式：1323929****。委托代理人李鹏，系陕西辅衡律师事务所律师，联系方式：1323929****。被告中国人民财产保险股份有限公司巴中市分公司,住所地，四川省巴中市巴州区。负责人王美森 ，系公司总经理。委托代理人陆静，系陕西宇内律师事务所律师，联系方式：1882972****。    原告刘丽与被告中国人民财产保险股份有限公司巴中市分公司（以下简称：人保公司）保险纠纷一案，本院于2019年7月26日立案受理后，依法组成合议庭，于2019年10月15日公开开庭进行了审理。原告刘丽委托代理人李鹏与被告人保公司委托代理人陆静到庭参加了诉讼。本案现已审理终结。    原告向本院提出诉讼请求：1、依法判令被告赔偿原告川YXXXXX号车辆损失费100058元、施救费440元,共计100498元；2、本案的诉讼费用由被告承担。事实和理由：2018年10月，原告为其所有的川YXXXXX号起亚牌小型轿车在被告处购买了商业险一份，其中机动车损失保险限额为125003.8元，且不计免赔，保险期间为2018年11月20日至2019年11月19日。2019年4月15日，XX号XX城”牌轻型普通货车，由北向南行至靖边县龙山路与北大街十字处，与由西向东王勇驾驶的川YXXXXX号“起亚”牌小型越野客车发生碰撞，造成两车受损的交通事故。2019年6月4日，靖边县公安局交通警察大队作出靖公交认字【2019】第226号道路交通事故认定书，认定刘光涛承担此次事故的全部责任，王勇不承担责任。事故发生后，靖边县公安局交通警察大队委托靖边县价格认证川YXXXXX号起亚牌小型轿车的车辆损失费进行了鉴定。2019年6月5日，靖边县价格认证中心作出了靖价车认字【2019】024号价格认定结论书，认定川YXXXXX号起亚牌小型轿车的车辆损失金额为100058元。此外，原告还因此花费施救费440元。原告就上述损失同被告进行协商未果，原告诉至法院。     被告人保公司辩称, 对本次事故责任划分情况无异议，原告车辆在被告处投保了交强险及125003.8元的机动车损失险，事故发生在保险期间内，原告方在本起事故中无责任，原告方损失应由有责方赔偿，若要求其公司代赔，需提供有责方车辆信息及保险信息，以便于其公司追偿。若无法提供有责方的信息，则依据保险合同约定，实行30%的绝对免赔率。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：对原告向法庭提交的第一组、第四组、第五组证据，因该三组证据来源合法、内容客观真实，与本案具有关联性，故本院对该三组证据的真实性予以确认，对证明目的予以采信。对原告提交的第三组证据以及庭后提交的维修费票据及维修结算单，被告质证有异议，认为评估的车辆损失金额以及维修费用过高，且未通知被告到场监督鉴定过程以及选择维修机构，但被告未在本院指定的期间提交重新鉴定申请书。因该结论书系靖边县公安局交通警察大队委托，靖边县价格认证中心出具，其来源合法，内容客观真实，故本院对该组证据的真实性予以确认，对证明目的予以采信。对被告人保公司向法庭提交的一组证据机动车综合商业保险条款一份，人保公司认为依据保险合同约定，发生保险事故时，被保险机动车行驶证未按规定年检或检验不合格，保险公司不承担赔偿责任。被保险机动车的损失应当由第三方负责赔偿，无法找到第三方的实行30%的绝对免赔率。本院认为，原告提供的第五组证据足以证明被保险车辆进行了年检，且被告提交的该组证据不足以证明其就保险公司免除责任条款内容向投保人尽到提示与明确说明义务，故本院对该组证据证明目的不予采信。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：2019年4月15日，XX号XX城”牌轻型普通货车，由北向南行至靖边县龙山路与北大街十字处，与由西向东王勇驾驶川YXXXXX号“起亚”牌小型越野客车发生碰撞，造成两车受损的交通事故。2019年6月4日，靖边县公安局交通警察大队作出靖公交认字【2019】第226号道路交通事故认定书，认定刘光涛承担此次事故的全部责任，王勇不承担责任。事故发生后，靖边县公安局交通警察大队委托靖边县价格认证中新对川YXXXXX号起亚牌小型越野客车的车辆损失费进行了评定。2019年6月5日，靖边县价格认证中心作出了靖价车认字【2019】024号价格认定结论书，认定川YXXXXX号起亚牌小型轿车的车辆损失金额为100058元。原告支出施救费440元。川YXXXXX号起亚牌小型越野客车的所有人系原告刘丽，刘丽在被告人保公司为该车购买了商业险一份，其中机动车损失保险责任限额为125003.80元，且不计免赔，保险期间为2018年11月20日至2019年11月19日。该车辆在2019年7月29日转移过户到李俊富名下，车辆年检至2020年11月。本院认为，本案争议焦点原告损失应当如何赔偿，原告的损失数额。本案中，原告刘丽在被告人保公司处为其所有的川YXXXXX号起亚牌小型越野客车投保了商业险一份，原、被告之间保险合同合法有效，本院依法予以确认。原告作为被保险人，其投保的车辆川YXXXXX号起亚牌小型越野客车发生保险事故造成车辆损失，被告人保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就向原告承担理赔责任。此次交通事故造成原告的车辆损失，经靖边县价格认证中心评定为100058元，另外原告支出施救费400元，本院依法予以确认。被告人保公司主张被保险机动车的损失应当由第三方负责赔偿，无法找到第三方的实行30%的绝对免赔率。本院认为，被告提交的证据不足以证明其就保险公司免除责任条款内容向投保人尽到提示与明确说明义务，且没有证据证明无法找到第三方的事实，故本院对被告人保公司的辩解意见不予采信。原告主张的车损及施救费，在被告人保公司机动车损失险理赔范围，故被告应当按照保险合同约定向原告赔偿车辆损失费100058元，施救费440元。综上所述，依照《中华人民共和国合同法》第八条、第六十条、《中华人民共和国保险法》第十四条、第十七条之规定，判决如下：由被告中国人民财产保险股份有限公司巴中市分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刘丽车辆损失费100058元、施救费440元，共计100498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2310元，由被告中国人民财产保险股份有限公司巴中市分公司负担。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                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。双方当事人在法定上诉期内均未提出上诉或仅有一方上诉后又撤回的，本判决发生法律效力，当事人应自觉履行判决的全部义务。一方不履行的，自本判决内容生效后，权利人可以向人民法院申请强制执行。申请执行的期限为二年，该期限从法律文书规定履行期间的最后一日起计算。                           审  判  长   牛怀玉                           审  判  员   张  静                           人民陪审员   吴怀德                            二O一九年十二月十一日                            书  记  员   魏园园1