问题 问答题

甲于2010年11月18日将自有的一辆“奥迪”牌汽车投保了机动车车辆保险及机动车交通事故强制保险,保险金额为12万元,乙担任驾驶员。2010年12月20日该车在行驶途中不慎坠入悬崖下的河水中,乙受重伤。故事发生后,甲称该车无法打捞,要求保险公司按全部损失赔偿。经查,该汽车当时价值为12万元。保险公司向甲赔偿了保险金12万元。事后甲组织人力将车打捞上来并卖得价款5万元,其中支付打捞费1万元。保险公司很快得知此事,要求甲返还卖车所得5万元价款。
问:
(1)保险公司的要求是否应当予以支持?为什么?
(2)保险公司是否应当赔偿乙所受的伤害?为什么?

答案

参考答案:保险公司的要求应当予以部分支持,即只能要求返还4万元。我国《保险法》规定,保险事故发生后,保险人已支付了全部保险金额,并且保险金额等于保险价值的,受损保险标的的全部权利归于保险人。因此,坠入悬崖下河水中的汽车属于保险公司所有,甲打捞出来后卖车所得价款5万元应归保险公司。但是,甲组织人力打捞汽车属于无因管理,保险公司应当承担甲为打捞该车而支付的1万元打捞费用。因此,应返还给保险公司4万元。
(2)不用赔偿。机动车交通事故强制保险承保的责任范围不包括被保险机动车本车上的人员,乙是在行驶途中受伤的,故保险公司不承担赔偿责任。

阅读理解

Sony and Toyota are struggling. But one brand name is booming (繁荣) in Japan during the economic slowdown—Mickey Mouse.

According to the company that runs Tokyo Disneyland, Japan’s busiest theme park will be more packed than ever over Christmas and New Year’s Day. Despite the bad economy, it’s already been a record year for an escape which is cheaper than the average night out in pricey Tokyo.

“Here, economic depression (萧条) seems a world away,” visitor Namie Katsunuma said. “This is the only place where I can totally forget the economic worries and hardships of my life.”

The single mother’s salary at an auto factory was cut in November but, with her $500 yearly pass in hand, she makes the 95-km journey from her home to Tokyo Disneyland every couple of months.

The park’s operator, Oriental Land Co, estimates (估算) a record 26.5 million people will visit Tokyo Disneyland and its nearby sister park, Disneysea, during the financial year ending in March. The company is forecasting sales of a record $4.2 billion, up almost 10 percent.

“In a way, the economy works well for Tokyo Disneyland,” said Hiroshi Watanabe, an economist at the Tokyo-based Daiwa Research Institute. “Because of the economic depression, people have stopped buying cars and houses or going to Hawaii, and Tokyo Disneyland offers an affordable and pleasant alternative.”

Around the world, Disney’s theme parks have been a bright spot for the brand this year as people seem to look for an escape from bad times.

小题1:According to the passage, what happens to Tokyo Disneyland this year?

A.Fewer people visit it.

B.Less money is made.

C.It attracts more visitors.

D.Its sales have reached $4.2 billion.小题2:What can be the possible reason for Tokyo Disneyland’s boom?

A.It costs less money to play here than in any other theme park.

B.People have a new understanding of amusement.

C.The economic depression has changed people’s plans to spend money.

D.Visitors seek an escape from economic depression.小题3:What does the underlined word “alternative” mean in the sixth paragraph?

A.choice.

B.park.

C.time.

D.trip.小题4:According to the last paragraph, what is the writer probably going to write?

A.The theme parks that attract most visitors.

B.More examples of success of Disney theme parks.

C.Tokyo Disneyland’s plan for the next year.

D.The economic depression in other companies.

单项选择题