Решение от 29 июля 2014 года №2-465/2014

Решение по гражданскому делу
                                                                      РЕШЕНИЕ        
 
                                                      Именем  Российской  Федерации                                                       
 
    Дело № 2 - <Адрес> / 14
 
    29 июля 2014 годаг.Межгорье
 
                Суд, в составе председательствующего мирового  судьи судебного участка судебного района  город Межгорье Республики Башкортостан  Салиховой  Р.Г., при  секретаре  Хайбуллиной С.Н.  рассмотрел  в  открытом  судебном  заседании  гражданское  дело по  иску Нестеровой <ИО1> к Южно -Уральскому региональному филиалу ОАО «Страховая акционерная компания  «Энергогарант»»  о взыскании страхового возмещения,    
 
                                                                     установил:
 
              Нестерова <ИО1> обратилась в суд с иском к Южно -Уральскому региональному филиалу ОАО «Страховая акционерная компания  «Энергогарант»»  о взыскании страхового возмещения по основаниям. Нестерова <ИО> заключила  <ДАТА>  договор добровольного страхования транспортного  средства в страховой компанией «Энергогарант». Застрахованная машина получила <ДАТА> повреждения при совершении наезда на препятствие. Истец Нестерова <ИО> обратилась к страховщику с заявлением  о наступлении страхового случая и выплате возмещения, были переданы страховщику документы, предусмотренные договором и Правилами страхования. Страховая компания отказала в выплате страхового возмещения, не признав событие  страховым случаем. Страховщиком направлен в адрес истца акт об отказе в выплате страхового возмещения за <НОМЕР> от <ДАТА> Данный отказ считает незаконным и необоснованным и нарушающим права Страхователя. Согласно пункту 2 ст. 9 Закона РФ от <ДАТА> <НОМЕР> «Об организации страхового дела в Российской Федерации» страховым случаем является совершившееся событие, предусмотренное договором страхования или законом, с наступлением которого возникает обязанность страховщика произвести страховую выплату страхователю. Соблюдение обязательного досудебного претензионного порядка положением Закона РФ от <ДАТА> <НОМЕР> «О защите прав потребителей» не предусмотрено. Согласно пункту 6 статьи 13 указанного закона при удовлетворении судом требований потребителя, установленных законом, суд взыскивает с уполномоченной организации за несоблюдение в добровольном порядке удовлетворения требований потребителя штраф в размере 50 % от суммы, присужденной судом в пользу потребителя. Нарушение прав истца как потребителя является основанием компенсации морального вреда, который оценивает в размере 5 000 рублей. Просит взыскать страховое возмещение 29 544 рубля, расходы на услуги экспертизы  3 000 рублей, расходы на юридические услуги и услуги представителя 10 000 рублей, расходы на оформление доверенности 700 рублей, возместить моральный вред 5 000 рублей, взыскать в пользу истца штраф в размере 50 %  от суммы, присужденной судом истцу.  
 
                На судебное заседание истец Нестерова <ИО> не явилась, извещена надлежащим образом.
 
                Ответчик страховая компания не явилась на рассмотрение дела, извещена надлежащим образом.
 
                Представитель истца Тихонов <ИО> участвующий в судебном заседании, не возражал против рассмотрения дела в отсутствие истца и ответчика. Просил удовлетворить требования полностью, взыскать страховое возмещение 29 544 рубля, расходы на услуги экспертизы  3 000 рублей, расходы на юридические услуги и услуги представителя 10 000 рублей, расходы на оформление доверенности 700 рублей, возместить моральный вред 5 000 рублей, взыскать в пользу истца штраф в размере 50 %  от суммы, присужденной судом истцу. 
 
    Считает, что страховая компания  нарушила права истца Нестеровой <ИО> не выплатив ей  страховое возмещение в добровольном порядке, поэтому страховая компания должна компенсировать моральный вред, выплатить штраф  в размере 50 %  за отказ от добровольного удовлетворения требований потребителя. Экспертом оценен материальный ущерб в размере 29 544 рубля. Страховая компания не участвовала в проведении экспертизы, Нестерова <ИО> не извещала страховую компанию о проведении  <ДАТА> экспертизы, результаты экспертизы - отчет о стоимости восстановительного ремонта   в страховую компанию не направляла, так как это обязанность эксперта - известить страховую компанию, направить результаты экспертизы.             
 
    Судом изучены материалы дела, дана оценка пояснениям представителя Тихонова <ИО4>
 
    Автомобиль  Нестеровой  <ИО1> застрахован  с <ДАТА>  по <ДАТА> до 24 часов в Южно -Уральскому региональном филиале  ОАО «Страховая акционерная компания  «Энергогарант»». Из заявленных требований истца Нестеровой <ИО> следует: машина получила повреждения <ДАТА>, страховая компания отказалась выплатить страховое возмещение по страховому случаю. Нестерова  <ИО> не представила в суд подтверждающих документов о страховом случае, а также не доказала, что компания отказалась выплатить ей страховое возмещение по Отчету  от <ДАТА> о стоимости восстановительного ремонта. Проводилась экспертиза автомобиля Нестеровой <ИО> <ДАТА> с целью установления стоимости восстановительного ремонта. Страховая компания не участвовала  <ДАТА> в проведении экспертизы, поскольку  не извещалась Нестеровой <ИО>
 
    Нестерова <ИО> не обращалась в страховую компанию  на основании Отчета экспертизы от <ДАТА> с заявлением о выплате страхового возмещения, обратилась   непосредственно в суд. В деле отсутствуют сведения  об извещении  страховой компании о проведении экспертизы, о направлении в страховую компанию Отчета экспертизы от <ДАТА>, отсутствует Акт о страховом случае.    
 
                При таких обстоятельствах нарушений прав Нестеровой <ИО> не установлено.
 
                Согласно статье 56 ГПК  РФ каждая сторона должна доказать те обстоятельства, на которые она ссылается как на основания своих возражений и требований, если иное не предусмотрено федеральным законом.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          
 
                руководствуясь  статьями 194 - 199  ГПК  РФ  мировой  судья
 
                                                                        решил:
 
               отказать в иске <ИО6>  к Южно -Уральскому региональному филиалу ОАО «Страховая акционерная компания  «Энергогарант»»  о взыскании страхового возмещения.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         
 
                Лица, присутствующие в судебном заседании, вправе подать мировому судье заявление о составлении мотивированного решения суда в течение трех дней со дня объявления резолютивной части решения суда.
 
    Лица, не присутствующие в судебном заседании, вправе подать мировому судье заявление о составлении мотивированного решения суда в течение пятнадцати дней со дня объявления резолютивной части решения суда.
 
    Решение  может  быть  обжаловано  в  апелляционном  порядке  в  Межгорьевский  городской  суд Республики Башкортостан через мирового судью  в  течение  одного месяца со дня принятия  решения суда в окончательной форме.
 
                Окончательное решение изготовлено 31 июля 2014 года. 
 
 
    Мировой  судья                                                                                       Салихова  Р.Г.