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首页 > 法律咨询 > 泰康保险以更改了机动车的使用方式为由拒赔是否合法？
损害赔偿

泰康保险以更改了机动车的使用方式为由拒赔是否合法？

3 解答 0 浏览 2025-06-25 16:37
问题补充
求助专业律师,我有一辆雪佛兰汽车是2014年购买的。前几天，我在立交桥下开车子时，与另外一辆轻型汽车发生了车祸，经交通警察判定，我负全部责任，由于我在泰康保险上了强制险和机动车商业险，于是我也电话通知了泰康保险公司。但泰康保险拒赔，原因是我的车辆在嘀嗒平台注册了，并有经常的经营行为，属于更改了小汽车的使用方式。我确实在嘀嗒平台有经营行为，但发生了车祸时并没有经营行为。律师请帮忙分析一下泰康保险以更改了机动车的使用方式为由拒赔是否合法？
AI 法律总结
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AI 总结功能即将上线
基于 RAG 知识库自动提炼本案法律要点、适用法条、处理建议,敬请期待。
还有疑问?向 AI 追问:
律师解答 (3)
王律师律师
2025-06-25 16:52
您好，需要和您电话详细沟通
好评:0
钟律师律师
2025-06-25 16:58
您的电话号码是多少
好评:0
钟律师律师
2025-06-25 17:05
根据你表达的案件情况，还需要具体分析，才能给出专业的法律意见，建议找律师帮忙。
好评:0

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最新解答
欠我钱的那个人签了一个房产抵押合同但是只有签字和手印，没有房产证和购房合同，有法律效应吗？
朱建宇 · 07-30 16:07
刑事案件会见咨询
朱建宇 · 07-30 16:01
尽快联系我好吗 非常着急
朱建宇 · 07-30 16:00
这个看守所被关押的人。不能给家里写信，不能回家人的信吗？
朱建宇 · 07-18 10:47
欠两万可以不用还吗 会影响公职人员吗
朱建宇 · 07-18 10:46
人被抓了该怎么办
朱建宇 · 07-07 10:35
你好，我想贵州六盘水律师
朱建宇 · 07-01 09:24
我是家属，想探望
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  144. /www/wwwroot/tp8.51wf.net/vendor/topthink/think-orm/src/db/concern/TableFieldInfo.php ( 2.63 KB )
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  150. /www/wwwroot/tp8.51wf.net/vendor/topthink/think-helper/src/Collection.php ( 16.47 KB )
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  157. /www/wwwroot/tp8.51wf.net/app/index/route/app.php ( 33.15 KB )
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  162. /www/wwwroot/tp8.51wf.net/app/index/controller/Question.php ( 43.25 KB )
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  183. /www/wwwroot/tp8.51wf.net/app/common/library/LawyerAuth.php ( 11.92 KB )
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  1. CONNECT:[ UseTime:0.000672s ] mysql:host=127.0.0.1;port=3306;dbname=dev_51wf_net;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fa_route_redirect` [ RunTime:0.000664s ]
  3. SELECT * FROM `fa_route_redirect` WHERE `status` = 'normal' AND `is_regex` = 0 AND `old_url` = '/question/47634634.html' LIMIT 1 [ RunTime:0.000378s ]
  4. SELECT * FROM `fa_route_redirect` WHERE `status` = 'normal' AND `is_regex` = 1 ORDER BY `weigh` ASC [ RunTime:0.000270s ]
  5. SHOW FULL COLUMNS FROM `fa_city` [ RunTime:0.001031s ]
  6. SELECT * FROM `fa_city` WHERE `pinyin` <> '' AND `pinyin` IS NOT NULL ORDER BY `sort_order` LIMIT 20 [ RunTime:0.000575s ]
  7. SELECT * FROM `fa_city` WHERE `pinyin` <> '' AND `pinyin` IS NOT NULL ORDER BY `pinyin` [ RunTime:0.001201s ]
  8. SHOW FULL COLUMNS FROM `fa_province` [ RunTime:0.000490s ]
  9. SELECT * FROM `fa_province` WHERE `natual_id` <> '' AND `natual_id` IS NOT NULL ORDER BY `sort_order` LIMIT 20 [ RunTime:0.000306s ]
  10. CONNECT:[ UseTime:0.110699s ] mysql:host=43.136.182.166;port=3306;dbname=ai_brain;charset=utf8mb4
  11. SHOW FULL COLUMNS FROM `fa_ai_usage` [ RunTime:0.074163s ]
  12. SELECT * FROM `fa_ai_usage` WHERE ( `user_id` = 0 AND `client_ip` = '216.73.216.109' ) AND `usage_date` = '2026-11-02' LIMIT 1 [ RunTime:0.074477s ]
  13. SHOW FULL COLUMNS FROM `fa_question` [ RunTime:0.001023s ]
  14. SELECT * FROM `fa_question` WHERE `question_id` = '47634634' AND `audit_status` = 1 AND `deletetime` IS NULL LIMIT 1 [ RunTime:0.000528s ]
  15. SHOW FULL COLUMNS FROM `fa_qa_category` [ RunTime:0.000899s ]
  16. SELECT `text`,`category_id` FROM `fa_qa_category` WHERE `category_id` IN ('10001','10015') [ RunTime:0.000504s ]
  17. SELECT * FROM `fa_province` WHERE `province_id` = '3' LIMIT 1 [ RunTime:0.000320s ]
  18. SELECT * FROM `fa_city` WHERE `city_id` = '18' LIMIT 1 [ RunTime:0.000269s ]
  19. SHOW FULL COLUMNS FROM `fa_answer` [ RunTime:0.000522s ]
  20. SELECT `a`.`answer_id`,`a`.`content`,`a`.`creator_id`,`a`.`is_best`,`a`.`is_top`,`a`.`good_rate`,`a`.`is_ai_answer`,`a`.`ai_confidence`,`a`.`claimed_by`,`a`.`createtime`,l.name as nickname,`l`.`avatar`,`l`.`username` FROM `fa_answer` `a` LEFT JOIN `fa_lawyer` `l` ON `a`.`creator_id`=`l`.`id` WHERE `a`.`question_id` = '47634634' AND `a`.`audit_status` = '1' AND `a`.`deletetime` IS NULL ORDER BY `a`.`is_top` DESC,`a`.`is_best` DESC,`a`.`good_rate` DESC,`a`.`createtime` ASC [ RunTime:0.000646s ]
  21. SELECT `question_id`,`title`,`answer_count`,`view_count`,`create_time` FROM `fa_question` WHERE `audit_status` = 1 AND `deletetime` IS NULL AND `question_id` <> '47634634' AND `second_category_id` = '10015' ORDER BY `create_time` DESC LIMIT 8 [ RunTime:0.000650s ]
  22. SHOW FULL COLUMNS FROM `fa_lawyer_expertise` [ RunTime:0.000466s ]
  23. SELECT `l`.`id`,`l`.`name`,`l`.`avatar`,`l`.`slogan`,`l`.`answer_count`,`l`.`follower_count` FROM `fa_lawyer_expertise` `e` INNER JOIN `fa_lawyer` `l` ON `l`.`id`=`e`.`lawyer_id` WHERE `e`.`category_id` = '10015' AND `l`.`audit_status` = '1' AND `l`.`status` = 'normal' AND `l`.`deletetime` IS NULL ORDER BY `l`.`answer_count` DESC LIMIT 6 [ RunTime:0.000398s ]
  24. SHOW FULL COLUMNS FROM `fa_lawyer` [ RunTime:0.000746s ]
  25. SELECT `id`,`username`,name as nickname,`avatar`,`slogan`,`answer_count` FROM `fa_lawyer` WHERE `audit_status` = 1 AND `status` = 'normal' AND `deletetime` IS NULL AND `answer_count` > 0 ORDER BY `answer_count` DESC LIMIT 6 [ RunTime:0.002628s ]
  26. SHOW FULL COLUMNS FROM `fa_article` [ RunTime:0.000655s ]
  27. SELECT `a`.`id`,`a`.`title`,`a`.`thumbnail`,`a`.`view_count`,c.text as category_name FROM `fa_article` `a` LEFT JOIN `fa_qa_category` `c` ON `a`.`category_id`=`c`.`category_id` WHERE `a`.`audit_status` = '1' AND `a`.`deletetime` IS NULL ORDER BY CASE WHEN a.category_id = 10015 THEN 0 ELSE 1 END,`a`.`view_count` DESC LIMIT 4 [ RunTime:0.035143s ]
  28. SELECT `content`,`is_best`,`createtime`,`lawyer_id`,`good_rate` FROM `fa_answer` WHERE `question_id` = '47634634' AND `audit_status` = 1 AND `deletetime` IS NULL ORDER BY `is_best` DESC,`is_top` DESC,`good_rate` DESC,`createtime` ASC LIMIT 10 [ RunTime:0.000646s ]
0.419786s