Решение по делу № 2-185/2012 от 18.10.2012

Дело №2-185/2012

Р Е Ш Е Н И Е

Именем Российской Федерации

18 октября 2012 года                                                                            гор. Махачкала

Мировой судья судебного участка № 16 Советского района г. Махачкалы Курбанова Е.К.,   при секретаре - Бабаевой И.П., рассмотрев в открытом судебном заседании дело по иску Гаджиева Шамиля Гаджиевича к филиалу ООО «Росгосстрах»  в РД   о  взыскании недовыплаченной суммы страхового возмещения в размере 43940.46руб., расходов на оплату услуг представителя в размере 15000руб., расходов, связанных с проведением экспертных оценок в размере 1680руб., расходов на доверенность 300руб.,   расходов на оплату госпошлины в размере 1500 руб.,

У С Т А Н О В И Л :

Гаджиев Ш.Г. обратился в суд с иском к  филиалу ООО «Росгосстрах»  в РД   о  взыскании недовыплаченной суммы страхового возмещения в размере 43940.46руб., расходов на оплату услуг представителя в размере 15000руб., расходов, связанных с проведением экспертных оценок в размере 1680руб., расходов на доверенность 300руб.,   расходов на оплату госпошлины в размере 1500 руб.

                В судебном заседании представитель  истца по доверенности Омаров А.Г.  исковые требования подержал и пояснил,  что 12 апреля 2012 года  произошло  ДТП с участием автомашины истца <НОМЕР>  за г.н. <НОМЕР> и автомашины <НОМЕР>    за г.н. <НОМЕР> рус под управлением <ФИО1>  ответственность которого была застрахована ответчиком. В результате ДТП истцу был причинен материальный ущерб. Истец обратился к ответчику о страховой выплате, и  истцу выплатили страховую премию в размере 13634.54руб., с которой истец был не согласен. После чего истец  обратился в независимую экспертизу и согласно акта исследования  №1384-12 от 11 июля 2012года стоимость восстановительного ремонта автомашины истца с учетом износа составила 57575руб.    Просит  взыскать с ответчика недоплаченную сумму в счет возмещения материального вреда в размере 43940.46руб.,  расходы на оплату услуг представителя в размере 15000руб., расходы, связанных с проведением экспертных оценок в размере 1680руб.,  расходы на доверенность в размере 300руб., расходы на оплату госпошлины в размере 1500 руб.

               Представитель ответчика филиала ООО «Росгосстрах»  в РД по доверенности Караев А.Ш.  исковые требования не признал и пояснил, что 12 апреля 2012 года   имело место страхового случая с участием  страхователя <ФИО1> гражданская ответственность, которого была застрахована компанией. И согласно экспертному заключению истцу была выплачено страховое возмещение в размере 13634.54руб., т.е. в полном объеме. Просит в иске отказать.

 Суд, выслушав объяснение сторон, исследовав письменные материалы дела приходит к следующему.

Причиной спора между сторонами является разная оценка наступившего материального вреда.

Судом установлено, что истцу выплачена страховая выплата в размере 13634.54 руб.

Судом установлено, что имело место наступления страхового случая, это обстоятельство признано представителем ответчика.

Согласно п.2 Правил обязательного страхования гражданской ответственности владельцев транспортных средств, утвержденных Постановлением Правительства РФ №263 от 07.05.2003 года, при осуществлении обязательного страхования гражданской ответственности владельцев транспортных средств страховщик обязуется за обусловленную договором обязательного страхования плату (страховую премию) при наступлении предусмотренного настоящими Правилами события (страхового случая) возместить потерпевшему (третьему лицу) убытки, возникшие вследствие причинения вреда его жизни, здоровью или имуществу.

В соответствии с п.7 Правил страховым случаем признается причинение в результате ДТП в период действия договора обязательного страхования владельцем транспортного средства вреда жизни, здоровью или имуществу потерпевшего, которое влечет за собой обязанность страховщика произвести страховую выплату.

Согласно ст. 1064 ГК РФ вред, причиненный личности или имуществу гражданина, а также вред, причиненный имуществу юридического лица, подлежит возмещению в полном объеме лицом, причинившим вред.

В соответствии со ст. 1079 ГК РФ юридические лица и граждане, деятельность которых связана с повышенной опасности для окружающих, обязаны возместить вред, причиненный источником повышенной опасности, если не докажут, что вред возник в следствии непреодолимой силы или умысла потерпевшего.

Материалами дела подтверждается, что  <ФИО1> - страхователь ответчика, по вине страхователя 12.04.2012 г. в период действия договора обязательного страхования, заключенного страхователя с ответчиком, наступил страховой случай, причинивший вред владельцу автомашины <НОМЕР> за г.н. <НОМЕР> Гаджиеву Ш.Г.

             Из заключения представленного истцом №1384-12 от 11 июля 2012года,  следует, что материальный ущерб, причиненный истцу, с учетом износа  составляет в сумме  57575 руб.

               По ходатайству представителя ответчика по делу судом проведена судебная авто- товароведческая экспертиза.

            Согласно заключения экспертного учреждения ООО ДЦНЭ №1052-12э от 27 сентября 2012 года установлено, что стоимость восстановительного ремонта автомобиля <НОМЕР> за г.н. <НОМЕР> РУС  в результате ДТП, с учетом износа составляет в сумме 36500.33 руб., величина утраты товарной стоимости 14060.01руб., всего 50560.34руб.

В соответствии со ст. 67 ГПК РФ суд оценивает доказательства по своему внутреннему убеждению, основанному на  всестороннем, полном, объективном и непосредственном исследовании имеющих в деле доказательств. Суд оценивает относимость, допустимость, достоверность каждого доказательства в отдельности, а также достаточность и взаимную связь доказательств в их совокупности.

              Сопоставив имеющие доказательства по оценке ущерба, суд считает необходимым взять за основу акт экспертного исследования ООО ДЦНЭ №1052-12э от 27 сентября 2012 года, по тем основаниям, что оценка ущерба, указана с использованием стандартов, последовательностью действий, обоснованные подходы, примененные при оценке, список использованной литературы и собственной базы данных.

               Доводы представителя ответчика об отказе  выплате страховой суммы, не нашли своего подтверждения в судебном заседании.

               В связи с указанными обстоятельствами, суд приходит к выводу, что ответчик не в полном объеме выплатил истцу страховое возмещение, и считает возможным взыскать с ответчика в пользу истца денежные средства в размере 50560.34 -13634.54=36925.8руб., составляющие разницу между стоимостью восстановительного ремонта, определенной заключением эксперта №1052-12э от 27 сентября 2012 года, и фактически выплаченным страховым возмещением. 

                В соответствии с п.5 ст.12 Федерального закона «Об обязательном страховании гражданской ответственности владельцев транспортных средств» №40-ФЗ от 25.04.2002стоимость независимой экспертизы (оценки), на основании которой произведена страховая выплата, включается в состав убытков, подлежащих возмещению страховщиком по договору обязательного страхования, в связи с чем, суд считает возможным взыскать с ответчика в пользу истца расходы по оценке ущерба в размере 1680 руб. 

Также истец просит взыскать с ответчика расходы на оплату услуг представителя в размере 15000 руб.

             Согласно ст. 100 ГПК РФ стороне, в пользу которой состоялось решение суда, по ее письменному ходатайству суд присуждает с другой стороны расходы на оплату услуг представителя в разумных пределах.

             В соответствии с законом, а также с учетом принципа разумности суд считает возможным взыскать с ответчика в пользу истца расходы на оплату услуг представителя в размере 8 тыс. руб.

 В соответствии со ст. 98 ГПК РФ, с ответчика подлежит взысканию в пользу истца судебные расходы по  оплате государственной пошлины в размере 1308 руб., расходы на доверенность в размере 300руб.      

               На основании изложенного и руководствуясь ст.ст.194-199 ГПК РФ, мировой судья                                       

Р Е Ш И Л  :

Иск Гаджиева Шамиля Гаджиевича к  филиалу ООО «Росгосстрах»  в РД удовлетворить частично. 

               Взыскать с филиала   ООО «Росгосстрах»  в РД  в пользу  Гаджиева Шамиля Гаджиевича в счет возмещения недополученной суммы материального ущерба 36925.8руб.,  расходы на оплату услуг представителя в размере 8000руб., расходы на проведение экспертизы в размере 1680руб.,  расходы за нотариальное оформление полномочий представителя в размере 300руб., на оплату госпошлины в размере 1308 руб.,  всего  48213 (сорок восемь тысяч двести тринадцать) руб. 80 коп.

             Решение может быть обжаловано в апелляционном порядке в Советский районный суд г. Махачкалыв месячный срок со дня оглашения.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    

Мировой  судья                                                                                                 Курбанова Е.К.

Отпечатано в совещательной комнате.

копия верна