Recently, the Shanghai Songjiang District Court heard a case caused by a safety accident. As the crane operated, the boom touched the high-voltage line, causing Xiao Li, an employee of the crane, to be electrocuted. The owner of the owner Wang paid compensation to the insurance company after paying RMB 260,000 compensation to Xiao Li’s family members. However, the owner of the car claimed compensation, and Wang Boshun appealed the insurance company to the court. Recently, the owner of the Songjiang District Court in Shanghai mediated the dispute. Next, the insurance company paid more than 100,000 yuan in court.

On March 29, 2010, Xiao Zhao and Xiao Li drove the crane to the repair shop to repair the left rear tire after work. After inspection, the tire can no longer be used and it needs to be replaced again. However, the spare tire was too heavy to be moved. Xiao Zhao and Xiao Li decided to use the crane to hang the spare tire. Then Xiao Zhao entered the operating room and Xiaoli stayed outside the vehicle.

In the process of Xiao Zhao's start-up boom lift, he suddenly heard the exclamation sound of “electricity” at the spare tire. Xiao Zhao quickly lowered the jib and jumped out of the operating room. Xiao Li was lying on the ground. like a statue. Xiao Zhaoyi made a 120 emergency call. Eventually Xiaoli died because of a rescue. After compensating Xiao Li’s family for more than RMB 260,000, the owner of the bank claimed compensation from the insurance company and sued the court after being denied compensation.

During the trial, the boss said that the accident occurred during the tire change process and was covered by the third party liability insurance. The insurance company should pay compensation according to the insurance contract. The insurance company believes that the accident belongs to a safety production accident. Xiao Li, as an employee of the boss Wang, should be responsible for the work-related injury by Wang’s boss and be paid by the work-related injury insurance. In addition, according to the stipulations of the insurance contract exemption clause, the insurer has evaded the losses caused by the operating maintenance period and maintenance period, so the insurance company refused to pay.

After fully listening to the opinions of both parties, the judge explained the relevant laws and regulations to the two parties and affirmed that Wang had actively compensated Xiao Li’s family for his actions. He also pointed out its shortcomings: When the insurance contract was signed, the insurance clause was not carefully read. There is no work injury insurance for employees in accordance with the law, and employees' safety awareness needs to be further strengthened. Point out to the insurance company that the insurance clause is not clear for the business maintenance agreement, and it needs to do a better job of clarifying and clarifying the obligations of the insurer. Finally, under the mediation of the judge, both parties agreed to pay compensation.