[轉貼] 高鐵停車場冒火燒52機車（星盤）

馬龍

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2019-4-23 11:06

馬龍

高鐵停車場大火毀52輛機車 警：排除縱火

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羅一心 許立帆

2019年4月20日 下午8:25

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圖／TVBS

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高鐵台中站火災釀52輛機車燒毀，警方調閱監視器排除人為縱火，將朝機車自燃方向調查，多名車主受到財損，最關心就是到底怎麼理賠。停管處表示，不管公民營停車場，都「不負保管責任」，但營業場所都需要投保公共意外責任險，但前提是意外造成的財損是業者造成，至於不明原因起火或是因為其中一輛車主的機車起火導致，就不屬於公共意外險範圍。

深夜1點08分露天民營停車場畫面，右邊機車停放區突然竄出火光，沒幾秒火苗變成火球在黑暗的停車場特別明顯，火災造成52輛機車燒毀，起火前後半小時都沒有人車經過。

三和派出所所長林柏豪：「排除人為縱火，有將機車電線幫浦帶回化驗。」

警方將朝機車自燃方向調查，大量車損還得陸續通報車主到案，大多都像他一樣無奈。

圖／TVBS

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遭波及車主：「想也想不到都停在收費停車場了，怎麼還會發生意外。」

車主現在最在意的就是賠償。

不管民營或公營停車場都「不負保管責任」，但如果車輛毀損是出自於業者，就能依停車場業者投保的公共意外責任險獲得理賠，像這次火災，如果是因為停車場內部發生意外引發火警，公共意外責任險會啟動理賠，如果是不明原因起火，就由各自車主的車體險承保，如果事後調查發現，是某車主因為老舊或改裝車輛導致電線走火，就需要付賠償責任。

圖／TVBS

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其他像是竊盜、在停車場發生車禍造成刮損天災戰爭都不在理賠範圍。

停管處處長張應當：「停管處補充停車場業者可加保停車場責任附加條款，如果發生意外造成第三人體傷、死亡或財損，產險公司會就超過自付額部分負擔賠償金額對業者和車主都多一層保障。」

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