海南省海口市秀英区人民法院
p t ; ” > 民 事 判 决 书
（2017）琼0105民初1812号
原告：王作丰，男，1954年4月25日出生，汉族，现住海口市。
原告：颜花，女，1956年4月14日出生，汉族，现住海口市。
原告：蔡某，女，1978年10月13日出生，汉族，现住海口市。
原告：王某1，男，2001年9月4日出生，汉族，现住海口市。
法定代理人：蔡某，系王某1的母亲。
原告：王某2，男，2007年10月27出生，汉族，现住海口市。
法定代理人：蔡某，系王某2的母亲。
五原告共同委托诉讼代理人：陈超玺，海南信达律师事务所律师。
被告：黄信，男，1980年9月22日出生，汉族，住安徽省阜阳市太和县。
委托诉讼代理人：王云鹏，海南嘉天律师事务所律师。
委托诉讼代理人：魏榕，海南嘉天律师事务所律师。
被告：太和县远翔汽车运输有限公司，住所地安徽省太和县旧县镇三角元崔韩庄。
法定代表人：王琴，总经理。
被告：中国平安财产保险股份有限公司太和支公司，住所地安徽省阜阳市太和县人民北路西侧。
负责人：王鑫，经理。
委托诉讼代理人：符天，海南法立信律师事务所律师。
委托诉讼代理人：蔡肖肖，海南法立信律师事务所律师。
原告王作丰、颜花、蔡某、王某1、王某2与被告黄信、太和县远翔汽车运输有限公司、中国平安财产保险股份有限公司太和支公司机动车交通事故责任纠纷一案，本院于2017年3月24日立案后，依法组成合议庭，公开开庭进行了审理。原告王作丰、颜花、蔡某、王某1和王某2的法定代理人蔡某、五原告的共同委托诉讼代理人陈超玺、被告黄信及其委托代理人王云鹏、魏榕、被告中国平安财产保险股份有限公司太和支公司（以下简称平安财险公司）的委托诉讼代理人蔡肖肖到庭参加诉讼，被告太和县远翔汽车运输有限公司（以下简称太和运输公司）经本院合法传唤，无正当理由拒不到庭，本院依法缺席审理。本案现已审理终结。
五原告向本院提出诉讼请求：一、被告黄信、太和运输公司连带赔偿原告丧葬费，死亡赔偿金（含被抚养人生活费）近亲属办理丧葬事宜的交通费、误工费、精神损害抚慰金合计1068148元；二、被告平安财险公司在交强险及商业三者险赔偿限额内承担保险赔偿责任；三、被告承担案件受理费。事实和理由如下，2016年11月1日15时36分许，被告黄信驾驶×××号重型半挂牵引车牵引×××号重型平板半挂车，沿海口市秀英区南海大道由东往北行驶，行至该大道54号桥墩路段时，与受害人王业就驾驶在右侧由东往西方向行驶的海口899745号二轮电动自行车发生碰撞，造成受害人连人带车摔倒受伤，经海南农垦总医院抢救无效于同年11月4日死亡的交通事故。海口市公安局交通警察支队作出第00094号《道路交通事故认定书》，认定被告黄信承担事故全部责任，被告太和运输公司系被告黄信的雇主，×××号重型半挂牵引车在被告平安财险公司投保了交强险及100万元的商业三者险。原告诉请的项目为丧葬费29203元（按58406元/年计算）、死亡赔偿金930345元（其中死亡赔偿金按28453元/年计算为569060元，被抚养人王作丰、颜花、王某1、王某2生活费按19015元/年计算为361285元）、办理丧葬事宜的交通费3000元、误工费5600元（58406元/年÷365天×5人×7天=5600元）、精神损害抚慰金100000元，合计1068148元。
被告黄信辩称，《道路交通事故认定书》认定责任不合理，事故发生时，涉案车辆并未直接碰撞受害人。事发后我已积极救治受害人，为其垫付了医疗费37754.63元，并垫付给原告蔡某40000元。被告平安财险公司应在保险限额内承担赔偿责任，涉案车辆购买了交强险、商业三者险，事故发生在保险期限内。
被告太和运输公司未到庭，未作答辩。
被告平安财险公司辩称，肈事车辆登记为货车，不具有交通运输管理部门核发的运营许可证，且被告黄信未提交证据证明其系该车所有权人允许的驾驶人，属保险公司的免赔事项。我公司已对重要保险条款尽到了提示义务，且重要提示部分用了明显加粗的字体。原告不能证明受害人在城镇工作且收入来源于城镇，受害人生前为农村户籍，赔偿项目应按农村户籍标准计算。原告未能提供亲属办理丧葬事宜支出交通费及误工费的证据，且主张过高，应当减少，且我公司对办理丧葬人员的误工费不负赔偿责任。精神损害抚慰金过高，在交强险限额内优先赔付没有依据。案件受理费不属于赔偿范围。
本院经审理认定事实如下：2016年11月1日15时50分，被告黄信驾驶×××号重型半挂牵引车，牵引×××号重型低平板半挂车，沿海口市秀英区南海大道由东向北方向行驶，行至该大道54号桥墩路段时，与受害人王业就驾驶在右侧由东向西方向行驶的海口899745号二轮电动自行车发生碰撞，造成受害人王业就连人带车摔倒受伤的交通事故，受害人王业就经海南省农垦总医院抢救无效，于同年11月4日死亡。被告黄信为受害人王业就垫付医疗费37754.63元，并给付原告蔡某赔偿40000元。
2016年12月28日，海口市公安局交通警察支队作出第00094号《道路交通事故认定书》，认定被告黄信承担事故全部责任，受害人王业就无责任。
另查明，被告太和运输公司系×××号重型半挂牵引车的所有权人，被告黄信系该公司的驾驶员，事故发生时正在执行工作任务。被告平安财险公司承保了×××号重型半挂牵引车的交强险和商业三者险（限额1000000元），被保险人为被告太和运输公司，事故发生在以上保险的保险期间内。
再查，受害人王业就，1982年5月6日出生。原告蔡某系受害人王业就的妻子，原告王某1、王某2为受害人王业就之子。原告王某1，2001年9月4日出生。原告王某2，2007年10月27日出生。原告王作丰系受害人王业就的父亲，1954年4月25日出生。原告颜花，1956年4月14日出生，系受害人王业就的母亲。原告王作丰、颜花与受害人王业就的弟弟王业成共同居住在海口市××区。海口市琼山区府城街道甘蔗园社区居民委员会出具证明，内容为”兹有我辖区居民王作丰、颜花因年事已高，没有劳动能力，也无收入来源，均由儿子王业就、王业成抚养，特此证明”。本次事故发生前，受害人王业就从事电工工作。
以上事实，有原告提交的证据《亲属关系证明》、《身份证》、《常住人口登记卡》、《道路交通事故认定书》、《海南省农垦总医院死亡记录》、《琼山区甘蔗园社区居委会社区居住证明》、《琼山区甘蔗园社区居委会证明》、《特种作业操作证（证号×××）》、《海南无线电技术培训中心学业证书》、《证人吴某的证人证言》，被告黄信提供的证据《海南省农垦总医院门诊收费票据》、《海南省农垦总医院住院收费票据》、《海南省农垦总医院病人住院费用清单》、《收据》、《机动车驾驶证》、《机动车保险单》，原告的陈述、被告的答辩意见、法庭审理笔录在卷佐证，经庭审质证，足以认定。
本院认为，一、对民事赔偿责任的认定。海口市公安局交通警察支队作出的被告黄信承担事故的全部责任，受害人王业就无责任的认定，事实认定清楚，责任认定准确，本院予以采信，确认被告黄信承担100%赔偿责任。本案肇事的×××号重型半挂牵引车系被告太和运输公司所有，被告黄信为该公司驾驶员，事故发生时正在执行工作任务，其民事赔偿责任依法应由被告太和运输公司承担。
二、对原告主张的赔偿项目及数额的认定，依据双方当事人提交的证据，本院经审查后，认定原告的损失为：
1、丧葬费29203元。丧葬费按照受诉法院所在地上一年度职工月平均工资标准，以六个月总额计算。海南省上一年度职工年平均工资为58406元/年，丧葬费计算为58406元/年÷12个月×6个月=29203元。
2、死亡赔偿金930345元，受害人在60周岁以下的，死亡赔偿金按照受诉法院所在地上一年度城镇居民人均可支配收入或者农村居民人均纯收入标准，按二十年计算。事故发生时，受害人王业就未满60周岁。依据《国务院关于进一步推进户籍制度改革的意见》、2015年12月24日海南省人民政府发布的《关于进一步推进户籍制度改革的实施意见》及2016年9月29日《海南省公安机关推进户籍制度改革实施细则（试行）》中关于全省实施城乡统一的户口登记制度，取消农业户口与非农业户口性质区分的相关规定，目前海南省已取消城乡户籍分类制度，原告主张按照海南省城镇居民上一年度人均可支配收入28453元/年标准计算死亡赔偿金符合法律规定，本院予以支持，赔偿年限为20年，其死亡赔偿金计算为28453元/年×20年=569060元。关于被扶养人生活费，被扶养人王某12001年9月4日出生，其扶养年限为3年，扶养人为2人。被扶养人王某22007年10月27日出生，其扶养年限为9年，扶养人为2人。被扶养人王作丰、颜花已达法定退休年龄，但二人无生活来源，依靠受害人王业就与王业成扶养。被扶养人王作丰1954年4月25日出生，其扶养年限为17年，扶养人为2人。被扶养人颜花1956年4月14日出生，其扶养年限为19年，扶养人为2人。海南省城镇居民上一年度人均消费性支出为19015元/年，原告主张四被抚养人的生活费361285元符合法律规定，本院予以支持。被抚养人生活费计入残疾赔偿金。以上合计930345元（569060元+361285元=930345元）。
3、精神损害抚慰金50000元。依据《侵权责任法》第二十二条”侵害他人人身权益，造成他人严重精神损害的，被侵权人可以请求精神损害赔偿”的规定，受害人王业就因本次交通事故死亡，给原告的精神上造成巨大的伤害，其主张精神损害抚慰金于法有据，本院酌情确定精神损害抚慰金50000元。原告主张超出部分，本院不予支持。
4、交通费500元。原告未提供办理丧葬事宜支出交通费的相关证据，但其为办理丧葬事宜必然支出一定的交通费用，本院酌情确定交通费500元。原告主张超出部分，本院不予支持。
关于原告主张的办理丧葬事宜的误工费，因原告未提供证据证明存在误工以及因误工致收入减少，故对原告的此项诉讼请求，本院不予支持。
以上1-4项的损失共计1010048元，属于交强险死亡伤残赔偿限额110000元的赔偿项目。依据《最高人民法院关于审理道路交通事故损害赔偿案件适用法律若干问题的解释》第十六条”同时投保机动车第三者责任强制保险（以下简称”交强险”）和第三者责任商业保险（以下简称”商业三者险”）的机动车发生交通事故造成损害，当事人同时起诉侵权人和保险公司的，人民法院应当按照下列规则确定赔偿责任：（一）先由承保交强险的保险公司在责任限额范围内予以赔偿；（二）不足部分，由承保商业三者险的保险公司根据保险合同予以赔偿；（三）仍有不足的，依照道路交通安全法和侵权责任法的相关规定由侵权人予以赔偿。......”的规定，×××号重型半挂牵引车在被告平安财险公司投保了交强险和商业三者险（限额1000000元），本案原告的损失应先由平安财险公司在交强险死亡伤残赔偿限额内赔付原告110000元。超出交强险赔偿限额的部分900048元，由被告平安财险公司在商业三者险赔偿限额内赔付。扣减被告黄信已垫付给原告蔡某的赔偿款40000元，被告平安财险公司还应在商业三者险赔偿限额内向原告赔付860048元，以上合计970048元。
被告黄信抗辩称已为原告垫付的医疗费用应扣减的主张，因原告在本案中并未主张医疗费，故对其抗辩意见本院不予采信。被告平安财险公司抗辩称肈事车辆登记为货车，不具有交通运输管理部门核发的运营许可证，且被告黄信未提交证据证明其系该车所有权人允许的驾驶人，本次事故属保险公司的免赔事项的意见，因被告平安财险公司提供的证据系填写内容为空白的《机动车交通事故责任强制保险单》和《机动车综合商业保险条款》，并不能证明其对于保险合同中免除保险人责任的条款在订立合同时作出过提示且作出了明确的说明，该免责条款不产生效力，其主张缺乏证据，故对被告平安财险公司的抗辩意见，本院不予采信。
综上所述，依照《中华人民共和国侵权责任法》第六条第一款、第十六条、第二十二条、《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》第九条、第十七条第三款、第三十五条、《最高人民法院关于审理道路交通事故损害赔偿案件适用法律若干问题的解释》第十六条、《中华人民共和国民事诉讼法》第一百四十三条之规定，判决如下：
一、被告中国平安财产保险股份有限公司太和支公司于本判决发生法律效力之日起十五日内在机动车交通事故责任强制保险和第三者责任商业保险赔偿限额内赔付原告王作丰、颜花、蔡某、王某1、王某2人民币970048元；
二、驳回原告王作丰、颜花、蔡某、王某1、王某2的其他诉讼请求。
如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》第二百五十三条之规定，加倍支付迟延履行期间的债务利息。
本案受理费人民币5577元（原告已预交），由原告王作丰、颜花、蔡某、王某1、王某2承担251元，被告中国平安财产保险股份有限公司太和支公司承担5326元。
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，上诉于海南省海口市中级人民法院。
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审判长赵炎炎
人民陪审员李达水
人民陪审员郭薇薇
书记员王银权附
《中华人民共和国侵权责任法》
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