Excavator spontaneous combustion insurance company does not want to compensate the court to decide  

Parked a good excavator, suddenly caught fire. After the fire, the fire went out, but the excavator was completely destroyed. Subsequently, Huang encountered a difficult problem, the insurance company does not intend to compensate. Huang master then a paper petition to the insurance company to court, claim 380 thousand yuan. Recently, the people's court Longlin verdict insurance company to compensate 320 thousand yuan master huang.

In July 28, 2014, Huang bought an excavator by installment payment. In August 13, 2014, he will excavator insurance to an insurance Limited by Share Ltd, the insurance amount is 38 yuan. In October 25, 2014 26 at 22 PM, a busy day of master Huang parked excavator to go home for dinner, just ready to go to bed, suddenly received a phone call saying the excavator is on fire. When master Huang arrived at the scene, the excavator was completely destroyed. Master Huang immediately reported to the police and inform the insurance company insurance, but the insurance company has not the scene, when the master Huang require insurance claims, the insurance company claimed that the Department of excavator spontaneous combustion, and does not belong to the scope of insurance liability on the grounds, refused to pay compensation.

Due to the fact that the fire can not be identified, the compensation is not within the scope of the insurance clause. Accordingly, the court of first instance verdict insurance company compensation Huang master insurance totaling 32 yuan. After the judgment came into effect, the insurance company has fulfilled the obligation of compensation.