精选案例
SELECTED CASE
Check category
>
>
>
【Classic case】Chinese Dispute between the XX branch of Minmin Property & Casualty Insurance Co., Ltd. and JinXX Insurance Contract

【Classic case】Chinese Dispute between the XX branch of Minmin Property & Casualty Insurance Co., Ltd. and JinXX Insurance Contract

(Summary description)

【Classic case】Chinese Dispute between the XX branch of Minmin Property & Casualty Insurance Co., Ltd. and JinXX Insurance Contract

(Summary description)

Information

【案情简介】

原告金XX通过融资租赁方式取得保险车辆的使用权。在使用保险车辆过程中发生水淹车的保险事故。拒赔后起诉至法院,要求保险公司赔偿车辆损失。

 

【盛恒成果】

一审法院经审理以原告主体不适格为由驳回起诉。司法实践中,通过融资租赁方式获得保险车辆的使用权,通常由保险车辆的使用人投保,发生保险事故后,以自己的名义索要保险赔款。这种情况下,投保人误认为自己就是保险车辆的所有权人且保险费由自己支付。其实,在融资租赁关系中,保险车辆的实际所有权人为融资租赁公司而非保险车辆的使用人和投保人,且保险公司与融资租赁公司均签有第一受益人的特别约定,保险赔款均应支付给融资租赁公司,否则有可能承担违约责任,故在保险理赔和诉讼中应该注意这种情况,避免保险公司卷入不必要的诉讼。

Scan the QR code to read on your phone

底部简介

Time of issue:2021-09-07 11:37:27

盛恒律师事务所

 

Established in 1999, Shengheng Law Firm has its development headquarters in Shenyang, China, business headquarters in Shanghai, China, and European headquarters in Frankfurt, Germany. Now it has 22 wholly-owned branch offices, with full business coverage across China and the world. Throughout over 20 years of development, Shengheng has become a globalized law firm with worldwide business, large scale, well-known brand, and high-level information technological base.

CONTACT

Tel.

底部电话

Time of issue:2021-09-07 11:53:34

Tel.:400-6180400

Address

底部地址

Time of issue:2021-09-07 11:53:56

Address: 62F, Forum 66 Office Building, No. 1 Youth Avenue, Shenhe District, Shenyang.

E-mail

底部邮箱

Time of issue:2021-09-07 11:54:17

E-mail:shengheng_hr@163.com

底部二维码

Time of issue:2021-09-07 12:00:30

二维码

Follow us

© 2021 LIAONING SHENGHENG LAW FIRM     辽ICP备13000363号     Powered by 300.cn

盛恒律师事务所