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青年农民小陈从驾驶培训班结业后,借了5000元从朋友小何手中买来1台小四轮拖拉机。两人一同去监理部门办了过户手续,小何将一应手续包括该车的第三者责任险投保单,全部交给了小陈。 1个月后,小陈在去县城拉运化肥的路上,挂车与同向骑自行车的老者发生刮擦,老者摔倒后左腿被轧断。为了给老者治伤,小陈花去医疗费3000多元。 事故结案后,小陈拿着第三者责任险保险单去保险公司索赔。不想,保险公司业务员审核过案件材料后,表示拒绝赔偿。小陈一时丈二和尚摸不着头脑。
Chen, a young farmer from the driving training after graduation, borrowed 5000 yuan from a friend of small hands to buy a small four-wheel tractor. Both went to the supervision department to do a transfer procedure, a small formalities, including the car’s third party liability insurance policy, all handed over to Chen. A month later, Chen took the way to the county to pull fertilizer, trailers and scrapes the same old cyclists, the old man fell off after the left leg was broken. In order to treat the elderly, Chen spent more than 3,000 yuan medical expenses. After the accident was closed, Chen took a third party liability insurance policy to the insurance company claim. Do not want to, insurance company salesman reviewed the case material, said he refused to compensate. Chen moment Moo Zhang monk scratching his head.