本报讯 （记者周慧）春运期间一票难求让不少市民打起了“拼车回家过年”的主意。市民陈小姐最终决定和老公一起开车回老家，而身边更有朋友向她支招，“反正都要开车，不如载多一两个朋友，适当收点钱抵过路费或油费，至少也能节约点成本。”

       Report from our correspondent (Reporter hui)During the Spring Festival period one ticket is hard to find let many people play up"Carpooling to return home for the New Year"idea.People miss Chen final decision and husband drive back together,And have more friends around to support her,"Anyway, all want to drive,As load more two friends,Appropriate money to toll or oil fee,At least also can save some cost."

　　对此，保险专家提醒消费者，若是有偿拼车，期间一旦发生事故，被认定为“运营车辆性质载客”，就会被认定为非法营利，保险公司可能拒赔。

this,Insurance experts remind consumers,If paid to car pool,Once during the accident,Is regarded as"Operating vehicle properties passenger",Will be regarded as illegal profit,The insurance company may claims rejected.

拼车营业性质存争议 Carpooling nature of business controversial

　　“1月31日回长沙，新车名爵mg6拼车，目前还有4个座位，拼车朋友需有证件及相关工作证明。本人在广州有正当工作，11年驾龄，可放心拼车。终点站长沙，途经广州、郴州。目前剩余4个座位。”记者随意在网上搜索拼车回家过年，搜索栏显示出上万条的搜索结果。

"On January 31, back to changsha,Analyzing the new mg6 jue car pool,At present, there are also four seats,Carpooling friends must have certificates and relevant proof.I have just work in guangzhou,11 years driving license,Carpooling can be at ease.Terminal changsha,Via guangzhou/chenzhou.At present residual four seats."Reporter random search on the net carpooling to return home for the New Year,The search bar shows article of the search results.

　　记者了解到，但因为运管部门未能根据这种允许他人以付费方式乘搭车辆前往目的地的行为，出台明确的界定标准，一旦在途中出现意外事故或发生车祸时，保险公司容易拒赔。

The reporter understands,But because the pipe department failed to according to this allow others pay mode to ride with the behavior of vehicles to the destination,Clear out the definition of the standard,Once in transit appear accident or in an accident,The insurance company easy claims rejected.

　　中宏保险专家表示，实际上，拼车族们如果出行途中遭遇意外，有人利益受损时，风险分担界定往往成为棘手问题。而且，对于拼车行为是否带有营业性质的定性易存在争议，一旦发生事故时，保险公司的理赔有很大差别。

In macro insurance experts say,In fact,If the family car accidents on the trail,When someone interests is damaged,Risk sharing define often becomes the tough questions.and,Whether to car pool behavior with commercial qualitative qualitative easy controversial,When the accident occurred,The insurance company claims have very big difference.

　　“对于乘搭者来说，一旦在拼车的途中发生意外事故，自身安全便很难得到保障，因为绝大部分车主会为爱车购买车辆交强险、商业第三者责任险，但不一定会为车上人员购买责任险。

"For a ride for those,Once in the car accident on the way,Its own security and it is difficult to obtain the safeguard,Because most of the owners will the car insurance vehicle purchase/Commercial third party liability insurance,But not necessarily for the personnel on the car purchase liability insurance.

　　根据保险合同的规定，如果在拼车时出了交通事故，而正巧又是乘搭者受伤，那么在超出交强险的保额之外，搭乘者通常是无法得到商业险部分的赔偿的。”

According to the regulation of insurance contract,If the car in a traffic accident,And it happened that is a ride is injured,So in the beyond making outside the forehead,Occupants are usually can't get business risk part of the compensation."

交警的认定很重要 The cognizance of the traffic police is very important

　　也有消费者指出，常和相熟亲戚、朋友之间拼车回家，他们本身共同分摊拼车的成本，并不是以盈利为目的的。

Also have pointed out that consumers,Often and phase dressed relatives/Between friends home car pool,They Shared the cost of the car itself,Is not for the purpose of profit.

　　“在这种情况下，交警对事故性质的认定就很重要。若是亲戚朋友间的‘蹭车’回家，没有明显的运营营利性质，保险公司还是应当按照既定的车险条款理赔。”相关律师告诉记者，偶然一两次的特殊事件就将“拼车”行为判定为“运营”性质也是不合理的，根据相关规定，运营本身应该是长期行为。

"In this case,For the identification of nature of traffic accident is very important.If between friends and relatives‘ride’home,No obvious operation commercial properties,The insurance company or shall, in accordance with the established auto insurance clause claims."Related lawyer told reporters,Accidental one or two special events will be"carpooling"Behavior decision for"operation"Nature is not reasonable,In accordance with the relevant provisions,Operation itself should be long time behavior.

　　“拼车如果只是分摊油费、路桥费，司机或车主没有额外得利，属于无偿拼车的情况，应不能认定改变了车辆使用性质，故发生事故时应正常按条款处理，审理和判决逐渐趋向无过失的归责原则。如果认定司机或车主有额外得利，应认为是改变了车辆的使用性质，对于此类有偿拼车，一般认定为非法营利。”

"Carpooling if only share oil fee/Toll fee,The driver or the owner without additional enrichment,The car belongs to free,That should not change the vehicle use properties,So when the accident happens according to clause should be normal processing,Trial and judgment gradually trend unerring imputation principle.If that driver or the owner have additional enrichment,Should be considered to be changed vehicle use properties,For such paid car pool,Generally regarded as illegal profit."

律师建议： The lawyer recommended:

　　各方先签订书面协议 All parties to sign a written agreement

　　广东环球经纬律师事务所律师何荣新表示，拼车前各方最好就彼此责任分担事先签订书面协议。

Guangdong global jinwei law firm's lawyers HeRongXin said,Before the car pool parties best responsibility share each other prior written agreement.

　　在协议上明确各种情况下责任怎么分担，比如车主和拼车人可以约定，万一发生交通事故，在驾驶员没有重大过失的情况下，各自如何承担相应责任。

In the agreement to clarify the responsibility of how to share,Such as the owner and carpooling people can agree,In case of traffic accident,The driver didn't gross negligence cases,How each bear corresponding responsibility.

专家建议 Expert advice

　　意外险需配齐 Accident insurance should be trued

　　专家建议，有“拼车”需求的市民最好还是在出行前购买相应的保险，尤其是意外险、旅游险等。

Expert advice,have"carpooling"The citizens of demand better the trip before purchase the corresponding insurance,Especially the casualty/Travel insurance, and other.

　　由于意外险是以被保险人的身体作为保险标的，以被保险人因遭受意外伤害而造成的死亡、残疾、医疗费用支出或暂时丧失劳动能力为给付保险金条件的保险。所以无论是由于何种事故造成的意外伤害，保险公司都会进行理赔。

Due to the casualty of the insured is the body serves as insurance mark,To because insurant suffers accident harm and cause death/disability/Medical expenses or to lose labor ability temporarily pays insurance gold the condition to insurance.So whether because what the accident harm accident,The insurance company will claim.

　　“而且现在意外险的购买可以直接网上操作，几乎所有保险公司官方网站都可以实现预约投保、保单信息查询或已购卡单激活服务，消费者可以直接在官网投保。”专家指出。

"And now the casualty purchase can be directly online operation,Almost all the insurance company's official website can achieve for appointment/Policy information query or has the single active service,Consumers can direct insurance's official website."Experts say.

　　除了意外险可以理赔，车上人员责任险也可以进行理赔。但是保险专家表示，一般车上人员责任险默认额度为每个座位1万元，在车主经济条件允许的情况下，车上人员责任险的保额可适当提高到每个座位10万元。

In addition to casualty can claim,The researchers also can undertake liability claims.But insurance experts say,The general staff liability default limit for each seat 10000 yuan,The owner in the economic conditions allow,The personnel of the liability insurance coverage can be appropriately increased to 100000 yuan each seat.

　　作者：周慧

The author:hui