出了交通事故，车主让人顶包还向保险公司索赔？法院判了
<div class="wx_rich_media_content" id="jsWxContainer"><section data-role="paragraph" style='max-width: 100%; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; max-inline-size: 100%; outline: none 0px !important; box-sizing: border-box !important;'><section style='margin-top: 15px; margin-right: 10px; margin-left: 10px; max-width: 100%; text-align: center; max-inline-size: 100%; min-height: 1em; cursor: text; letter-spacing: 2px; line-height: normal; outline: none 0px !important; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>在发生交通事故造成车辆受损后，</span></section><section style='margin-top: 15px; margin-right: 10px; margin-left: 10px; max-width: 100%; text-align: center; max-inline-size: 100%; min-height: 1em; cursor: text; letter-spacing: 2px; line-height: normal; outline: none 0px !important; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>车主刘某让张某顶包实际驾驶员李某报案，</span></section><section style='margin-top: 15px; margin-right: 10px; margin-left: 10px; max-width: 100%; text-align: center; max-inline-size: 100%; min-height: 1em; cursor: text; letter-spacing: 2px; line-height: normal; outline: none 0px !important; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>车主刘某能否向保险公司</span></section><section style='margin-top: 15px; margin-right: 10px; margin-left: 10px; max-width: 100%; text-align: center; max-inline-size: 100%; min-height: 1em; cursor: text; letter-spacing: 2px; line-height: normal; outline: none 0px !important; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>索赔车辆损失保险费？</span></section><section style='margin-top: 15px; margin-right: 10px; margin-left: 10px; max-width: 100%; text-align: center; max-inline-size: 100%; min-height: 1em; cursor: text; letter-spacing: 2px; line-height: normal; outline: none 0px !important; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>近日，</span></section><section style='margin-top: 15px; margin-right: 10px; margin-left: 10px; max-width: 100%; text-align: center; max-inline-size: 100%; min-height: 1em; cursor: text; letter-spacing: 2px; line-height: normal; outline: none 0px !important; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>常宁市人民法院审结了一起保险纠纷案，</span></section><section style='margin-top: 15px; margin-right: 10px; margin-left: 10px; max-width: 100%; text-align: center; max-inline-size: 100%; min-height: 1em; cursor: text; letter-spacing: 2px; line-height: normal; outline: none 0px !important; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>驳回了原告车主刘某的诉讼请求。</span></section><p style='margin-top: 15px; margin-right: 10px; margin-left: 10px; max-width: 100%; min-height: 1em; text-align: center; max-inline-size: 100%; cursor: text; line-height: 2em; letter-spacing: 2px; outline: none 0px !important; box-sizing: border-box !important;'><br style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'></p><section data-role="title" data-tools="135编辑器" data-id="105723" style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'><section style='margin: 10px auto; outline: 0px; max-width: 100%; text-align: center; box-sizing: border-box !important;'><section style='outline: 0px; max-width: 100%; display: inline-block; box-sizing: border-box !important;'><section style='outline: 0px; max-width: 100%; display: flex; justify-content: center; box-sizing: border-box !important;'><section data-width="50%" style='margin-bottom: -2px; outline: 0px; max-width: 100%; box-sizing: border-box; width: 55px; height: 3px; background-color: rgb(211, 163, 76); overflow: hidden;'><br style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'></section></section><section style='padding-top: 3px; padding-right: 3px; padding-left: 3px; outline: 0px; max-width: 100%; box-sizing: border-box; border-width: 1px; border-style: solid; border-color: rgb(55, 66, 120);'><section style='padding: 2px 12px 5px; outline: 0px; max-width: 100%; box-sizing: border-box; background-color: rgb(247, 248, 255);'><section data-brushtype="text" hm_fix="301:381" style='outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1.5px; color: rgb(55, 66, 120); box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; font-size: 18px; box-sizing: border-box !important;'><strong style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'>案件经过</strong></span></section></section></section></section></section></section><p style='margin-top: 15px; margin-right: 10px; margin-left: 10px; max-width: 100%; min-height: 1em; max-inline-size: 100%; cursor: text; line-height: 2em; letter-spacing: 2px; outline: none 0px !important; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>2020年7月21日，刘某在保险公司为自己的车辆<strong style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'>购买了机动车综合商业保险，</strong><strong style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'>其中车辆损失保险责任限额为22万余元。</strong>2021年2月7日16时，持有驾驶证的李某驾驶该汽车时因操作不当致使车辆撞到路边山坡，造成车辆受损。事故发生后，<strong style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'>刘某让张某顶替实际驾驶员李某处理事故相关事宜。</strong></span></p><p style='margin-top: 15px; margin-right: 10px; margin-left: 10px; max-width: 100%; min-height: 1em; max-inline-size: 100%; cursor: text; line-height: 2em; letter-spacing: 2px; outline: none 0px !important; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>另双方签订的保险合同中约定，<strong style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'>“事故发生后，被保险人或其允许的驾驶人故意破坏、伪造现场、毁灭证据，保险人均不负责赔偿”。</strong></span></p><p style='margin-top: 15px; margin-right: 10px; margin-left: 10px; max-width: 100%; min-height: 1em; max-inline-size: 100%; cursor: text; line-height: 2em; letter-spacing: 2px; outline: none 0px !important; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>车主刘某将保险公司诉至法院，<strong style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'>请求保险公司赔偿车损17万余元。</strong>刘某诉称，事故车辆购买了相应的保险，事故发生在保险期内。事故发生后，车主及时向保险公司和交警报了案，并对事故车辆作了鉴损。</span></p><p style='margin-top: 15px; margin-right: 10px; margin-left: 10px; max-width: 100%; min-height: 1em; max-inline-size: 100%; cursor: text; line-height: 2em; letter-spacing: 2px; outline: none 0px !important; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>保险公司辩称，<strong style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'>本案事故存在驾驶员顶包的情况</strong>，且被保险人未如实陈述事故原因，未履行被保险人应尽的义务，按保险法的规定，保险公司不承担保险责任，<strong style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'>故保险公司拒赔车辆损失。</strong></span></p><p style='margin-top: 15px; margin-right: 10px; margin-left: 10px; max-width: 100%; min-height: 1em; max-inline-size: 100%; cursor: text; line-height: 2em; letter-spacing: 2px; outline: none 0px !important; box-sizing: border-box !important;'><br></p><p style='outline: 0px; max-width: 100%; min-height: 1em; text-align: center; box-sizing: border-box !important;'><span class="wxart_image" wx-style='display:inline-block;outline: 0px;box-sizing: border-box !important;overflow-wrap: break-word !important;width: 240px !important;visibility: visible !important;'></span></p><section data-role="title" data-tools="135编辑器" data-id="105723" style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'><section style='margin: 10px auto; outline: 0px; max-width: 100%; text-align: center; box-sizing: border-box !important;'><section style='outline: 0px; max-width: 100%; display: inline-block; box-sizing: border-box !important;'><section style='outline: 0px; max-width: 100%; display: flex; justify-content: center; box-sizing: border-box !important;'><section data-width="50%" style='margin-bottom: -2px; outline: 0px; max-width: 100%; box-sizing: border-box; width: 55px; height: 3px; background-color: rgb(211, 163, 76); overflow: hidden;'><br style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'></section></section><section style='padding-top: 3px; padding-right: 3px; padding-left: 3px; outline: 0px; max-width: 100%; box-sizing: border-box; border-width: 1px; border-style: solid; border-color: rgb(55, 66, 120);'><section style='padding: 2px 12px 5px; outline: 0px; max-width: 100%; box-sizing: border-box; background-color: rgb(247, 248, 255);'><section data-brushtype="text" style='outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1.5px; color: rgb(55, 66, 120); box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; font-size: 18px; box-sizing: border-box !important;'><strong style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'>法院判决</strong></span></section></section></section></section></section></section><p style='margin-top: 15px; margin-right: 10px; margin-left: 10px; max-width: 100%; min-height: 1em; max-inline-size: 100%; cursor: text; line-height: 2em; letter-spacing: 2px; outline: none 0px !important; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>法院审理后认为，<strong style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'>保险合同是最大诚信合同，双方均应坚持诚实信用原则</strong>，在事故发生后，车辆驾驶人有义务保护现场，履行如实告知义务。刘某在本案交通事故发生后，向保险公司和交警谎报驾驶员，隐瞒重要事实和情节，致使交警未对实际驾驶员进行精神状态核实，且未能根据实际驾驶员的情况作出是否存在违法违规行为的检查，该行为符合保险合同免责条款的规定，<strong style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'>法院遂依法驳回原告的诉讼请求。</strong>原、被告双方均未提起上诉。</span></p><p style='margin-top: 15px; margin-right: 10px; margin-left: 10px; max-width: 100%; min-height: 1em; max-inline-size: 100%; cursor: text; line-height: 2em; letter-spacing: 2px; outline: none 0px !important; box-sizing: border-box !important;'><br style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'></p><section data-role="title" data-tools="135编辑器" data-id="105723" style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'><section style='margin: 10px auto; outline: 0px; max-width: 100%; text-align: center; box-sizing: border-box !important;'><section style='outline: 0px; max-width: 100%; display: inline-block; box-sizing: border-box !important;'><section style='outline: 0px; max-width: 100%; display: flex; justify-content: center; box-sizing: border-box !important;'><section data-width="50%" style='margin-bottom: -2px; outline: 0px; max-width: 100%; box-sizing: border-box; width: 55px; height: 3px; background-color: rgb(211, 163, 76); overflow: hidden;'><br style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'></section></section><section style='padding-top: 3px; padding-right: 3px; padding-left: 3px; outline: 0px; max-width: 100%; box-sizing: border-box; border-width: 1px; border-style: solid; border-color: rgb(55, 66, 120);'><section style='padding: 2px 12px 5px; outline: 0px; max-width: 100%; box-sizing: border-box; background-color: rgb(247, 248, 255);'><section data-brushtype="text" hm_fix="293:386" style='outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1.5px; color: rgb(55, 66, 120); box-sizing: border-box !important;'><strong style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; font-size: 18px; box-sizing: border-box !important;'>法官说法</span></strong></section></section></section></section></section></section><p style='margin-top: 15px; margin-right: 10px; margin-left: 10px; max-width: 100%; min-height: 1em; text-align: center; max-inline-size: 100%; cursor: text; line-height: 2em; letter-spacing: 2px; outline: none 0px !important; box-sizing: border-box !important;'><strong style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>保险索赔应依法依约</span></strong></p><p style='margin-top: 15px; margin-right: 10px; margin-left: 10px; max-width: 100%; min-height: 1em; max-inline-size: 100%; cursor: text; line-height: 2em; letter-spacing: 2px; outline: none 0px !important; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>当被保险人遭受了承保责任范围内的风险损失时，被保险人有权向保险人提出索赔要求，但应当依照法律的规定和合同的约定行使权利、履行义务。保险法第五条规定，保险活动当事人行使权利、履行义务应当遵循诚实信用原则。民法典第五百零九条规定，当事人应当按照约定全面履行自己的义务。当事人应当遵循诚信原则，根据合同的性质、目的和交易习惯履行通知、协助、保密等义务。</span></p><p style='margin-top: 15px; margin-right: 10px; margin-left: 10px; max-width: 100%; min-height: 1em; max-inline-size: 100%; cursor: text; line-height: 2em; letter-spacing: 2px; outline: none 0px !important; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>一方面，<strong style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'>诚实信用原则是民事活动所应遵循的基本原则</strong>，也就是要求民事主体从事民事活动，行使民事权利和履行民事义务时，都应当本着真诚善意的态度，讲真话、办实事、守承诺，做到不欺不诈、合法合规。本案中，交通事故发生后，车主刘某向保险公司和交警谎报驾驶员，隐瞒重要事实和情节，就是违反诚实信用原则的行为。</span></p><p style='margin-top: 15px; margin-right: 10px; margin-left: 10px; max-width: 100%; min-height: 1em; max-inline-size: 100%; cursor: text; line-height: 2em; letter-spacing: 2px; outline: none 0px !important; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>另一方面，刘某与保险公司之间签订了保险合同，该合同对双方均具有法律约束力，当事人应当依约履行相应的义务。本案中，刘某在事故发生后谎报驾驶员行为，<strong style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'>属于合同约定的“故意破坏、伪造现场、毁灭证据，保险人均不负责赔偿”的免责情形</strong><strong style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'>，故法院驳回原告的诉讼请求。</strong></span></p><p style='margin-top: 15px; margin-right: 10px; margin-left: 10px; max-width: 100%; min-height: 1em; max-inline-size: 100%; cursor: text; line-height: 2em; letter-spacing: 2px; outline: none 0px !important; box-sizing: border-box !important;'><br style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'></p><p style='margin-top: 15px; margin-right: 10px; margin-left: 10px; max-width: 100%; min-height: 1em; max-inline-size: 100%; cursor: text; line-height: 2em; letter-spacing: 2px; outline: none 0px !important; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important;'><span class="wxart_image" wx-style='display:inline-block;box-sizing: border-box;max-inline-size: 100%;cursor: pointer;color: rgb(0, 0, 0);caret-color: rgb(255, 0, 0);font-size: 17px;text-align: center;font-family: 微软雅黑, sans-serif;outline: none 0px !important;overflow-wrap: break-word !important;width: 578px !important;visibility: visible !important;'></span></span></p><p style='margin-top: 15px; margin-right: 10px; margin-left: 10px; max-width: 100%; min-height: 1em; max-inline-size: 100%; cursor: text; line-height: 2em; letter-spacing: 2px; outline: none 0px !important; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>机动车驾驶人应当遵守道路交通安全法律、法规的规定，按照操作规范安全驾驶、文明驾驶。发生交通事故后，被保险人应遵循诚实信用原则，妥善保护好现场，及时向保险公司和交警报案，履行如实告知义务。实际驾驶员应配合做好是否存在违法违规行为的检查，以免引起索赔保险费被拒的矛盾发生。</span></p></section><section data-role="paragraph" style='max-width: 100%; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; max-inline-size: 100%; border-width: 0px; border-style: none; border-color: initial; z-index: 0; outline: none 0px !important; box-sizing: border-box !important;'><p style='max-width: 100%; min-height: 1em; max-inline-size: 100%; cursor: text; outline: none 0px !important; box-sizing: border-box !important;'><br style='outline: 0px; max-width: 100%; box-sizing: border-box !important;'></p></section><section data-role="outer" style='outline: 0px; max-width: 100%; font-variant-numeric: normal; font-variant-east-asian: normal; letter-spacing: 0.544px; widows: 1; font-size: 16px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important;'><section style='outline: 0px; max-width: 100%; box-sizing: border-box;'><p style='margin-right: 10px; margin-left: 10px; outline: 0px; max-width: 100%; min-height: 1em; letter-spacing: 1.5px; line-height: 2em; box-sizing: border-box !important;'><span style='outline: 0px; max-width: 100%; color: rgb(136, 136, 136); font-size: 14px; text-align: center; font-family: PingFangSC-Light; box-sizing: border-box !important;'>来源：人民法院报</span></p></section></section><p><br></p></div> 为啥要让顶包，要么有鬼，要么脑子有麻达。想撒呢
法网恢恢，疏而不漏
脑子不行，没救了！
一对法盲
这事情，法盲啊
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