万锦华人民宅爆炸案 竟被发现是大麻屋！

insurance company win

回复 dululu：不存在赢不赢的问题，在法制社会，人们起码要有契约精神，保险合同就是契约，按着契约办事就对了，保险公司和被保险人都有义务维护契约，不遵守契约的自然要受到惩罚或损失，这太正常了。

不是这么简单。 要看屋主和住客在法庭的情况。如果法庭裁决有罪，保险就拒赔。即使被判有罪，他们还可以上诉。只有最后的裁决是有最，保险才能拒赔。整个过程1-2 年。

回复 nnl：被保险拒赔的都是罪犯吗？ 只要保险公司有证据显示你违反了保险合约， 就可以拒赔。 而违反了保险合约不等于你要被抓起来定罪。。。

回复 nnl：你脑子有问题吧，现在是警察告国移，国移输定了；保险公司不赔，国移可以告，但请问鸟国移，你吃饭的钱都要朝俺要，出得起律师费么。

由倒霉车主的保险公司赔偿，然后保险公司向屋主的保险公司索赔，屋主的保险公司肯定会把责任推到福建人身上，福建人肯定倒闭，最后保险公司只能按无保险处理。邻居的房屋保险也一样，最终的损失会转嫁给所有受保人。保险算法还是有问题，福建人做的孽应该由福建人偿还。

由车主的保险公司赔，赔完后保险公司向屋主讨。车主会损失垫底费。 如果保险公司能从屋主那里拿回，车主就拿回垫底费。

回复 SUPERFAN：This has nothing to do w/ the house owner's property insurance. The car's owner's car insurance will pay for the loss of the car, the car owner has to pay for the deductible (maybe no deductible if it is proceeded as a fire damage), then the car insurance company will subrogate against the house owner---to get the money back. But if the car owner did not buy such kind of coverage, then the car owner has to sue the house owner directly as his car insurance cannot do anything. But that area property insurance will go up for sure (for every one). So when you buy a house you need to watch what kind neighbor you are going to be with. Otherwise you will pay for the property insurance more due to your neighbor's stupidity.

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