【Classic case】Chinese Dispute between the XX branch of Minmin Property & Casualty Insurance Co., Ltd. and JinXX Insurance Contract
- Categories:Department of Insurance Affairs
- Time of issue:2023-01-12
- Views:
(Summary description)
【Classic case】Chinese Dispute between the XX branch of Minmin Property & Casualty Insurance Co., Ltd. and JinXX Insurance Contract
(Summary description)
- Categories:Department of Insurance Affairs
- Time of issue:2023-01-12
- Views:
【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。
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