«Автотор» добился взыскания с «Росгосстраха» 26,2 млн руб. за вымерзший рапс

Фото fedpress.ru

{"ID":"529160","~ID":"529160","TAGS":"росгосстрах, калининград, автотор-агро, суд, рапс, вымерзание","~TAGS":"росгосстрах, калининград, автотор-агро, суд, рапс, вымерзание","NAME":"«Автотор» добился взыскания с «Росгосстраха» 26,2 млн руб. за вымерзший рапс","~NAME":"«Автотор» добился взыскания с «Росгосстраха» 26,2 млн руб. за вымерзший рапс","IBLOCK_ID":"54","~IBLOCK_ID":"54","IBLOCK_SECTION_ID":"1355","~IBLOCK_SECTION_ID":"1355","DETAIL_TEXT":"\u003Cp\u003EКалининградский арбитражный суд вынес решение о взыскании со страховой компании \u0026laquo;Росгосстрах\u0026raquo; в пользу структуры \u0026laquo;Автотора\u0026raquo; - \u0026laquo;Автотор-Агро\u0026raquo; - 26,2 млн руб. в качестве выплаты за вымерзание части застрахованного урожая в Зеленоградском районе зимой 2011 года.\r\n\u003C\/p\u003E\u003Cp\u003E\r\nКак видно из решения суда, летом 2010 года ООО \u0026laquo;Автотор-Агро\u0026raquo; и ООО \u0026laquo;Росгосстрах\u0026raquo; заключили договор страхования урожая на 40,8 млн руб., по которому \u0026laquo;Автотор-Агро\u0026raquo; выплатило страховую премию 4,3 млн руб. С 1 по 28 февраля 2011 года из-за недостаточной толщины снежного покрова и низких температур озимый рапс ООО \u0026laquo;Автотор-Агро\u0026raquo; в Зеленоградском районе вымерз на площади 1255 га или 62,7% от площади посева.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n30 марта \u0026laquo;Автотор\u0026raquo; известил о вымерзании \u0026laquo;Росгосстрах\u0026raquo; и пригласил представителя страховой компании для совместного обследования полей. В середине апреля комиссия с участием представителей \u0026laquo;Автотора\u0026raquo; и страховой компании зафиксировала гибель рапса, а в конце августа из \u0026laquo;Росгосстраха\u0026raquo; пришел отказ в страховой выплате.\r\n\u003C\/p\u003E\u003Cp\u003E\r\nТогда \u0026laquo;Автотор-Агро\u0026raquo; обратилось в суд. В суде \u0026laquo;Росгосстрах\u0026raquo; заявил, что страховой случай не наступил, так как температура воздуха не опускалась ниже минус 25 градусов. Между тем, эксперт \u0026laquo;Всероссийского научно-исследовательского института сельскохозяйственной метеорологии\u0026raquo; отметил, что в феврале 2011 года температура опускалась до минус 15-21 градусов, что вполне могло повлечь фактическое вымерзание рапса. \u0026laquo;Росгосстрах\u0026raquo;, в свою очередь, заявил о фальсификации экспертного заключения, однако \u0026laquo;Автотор\u0026raquo; предоставил все необходимые документы, подтверждающие обратное.\r\n\u003C\/p\u003E\u003Cp\u003E\r\nТакже в суде был заслушан специалист-агроном, который констатировал, что в договоре некорректно прописан критерий вымерзания рапса, так как рапс начинает вымерзать с минус 14 градусов, и для вымерзания совсем не обязательно достижения температуры в минус 25 градусов. Судебно\u0026ndash;агрономическая экспертиза, выполненная НП \u0026laquo;Центр по инновационно-технологическому обеспечению агропромышленного комплекса\u0026raquo;, показала, что рапс в ООО \u0026laquo;Автотор-Агро\u0026raquo; погиб от вымерзания из-за чередования оттепелей и морозов при недостаточной высоте снежного покрова (что и наблюдалось с 1 по 28 февраля 2011 года). \u0026laquo;Критерии вымерзания, указанные в договоре страхования для озимого рапса, некорректны и неприменимы. Озимый рапс ушел в зиму в хорошем состоянии, а его гибель наступила вследствие вымерзания, произошедшего с 1 по 28 февраля 2011 года. В климатических условиях Калининградской области зимой при чередовании оттепелей и морозов озимый рапс резко расходует накопленный с осени запас сахаров, его закалка снижается, что приводит к вымерзанию хорошо развитых растений озимого рапса при температуре минус 14 градусов\u0026raquo;, - констатировали эксперты.\r\n\u003C\/p\u003E\u003Cp\u003E\r\nСуд отклонил доводы \u0026laquo;Росгосстраха\u0026raquo; о том, что критерии вымерзания рапса, предусмотренные условиями договора, не наступили, поскольку страховое событие \u0026ndash; гибель урожая в результате вымерзания \u0026mdash; наступило, и это подтверждается экспертами. \r\n\u003C\/p\u003E\u003Cp\u003E\r\n\u0026laquo;Критерии вымерзания, установленные сторонами, не соответствуют фактически установившимся в Калининградской области с учетом климатических условий, что заведомо предопределяет для страховой компании отказ в выплате при фактически наступившем страховом случае\u0026raquo;, - констатировал суд и вынес решение в пользу \u0026laquo;Автотор-Агро\u0026raquo;.\r\n\u003C\/p\u003E\u003Cp\u003E\r\nРешение еще не вступило в законную силу. \u0026laquo;Россгосстрах\u0026raquo; может обжаловать его в суде вышестоящей инстанции в течение месяца.\u003C\/p\u003E","~DETAIL_TEXT":"\u003Cp\u003EКалининградский арбитражный суд вынес решение о взыскании со страховой компании \u0026laquo;Росгосстрах\u0026raquo; в пользу структуры \u0026laquo;Автотора\u0026raquo; - \u0026laquo;Автотор-Агро\u0026raquo; - 26,2 млн руб. в качестве выплаты за вымерзание части застрахованного урожая в Зеленоградском районе зимой 2011 года.\r\n\u003C\/p\u003E\u003Cp\u003E\r\nКак видно из решения суда, летом 2010 года ООО \u0026laquo;Автотор-Агро\u0026raquo; и ООО \u0026laquo;Росгосстрах\u0026raquo; заключили договор страхования урожая на 40,8 млн руб., по которому \u0026laquo;Автотор-Агро\u0026raquo; выплатило страховую премию 4,3 млн руб. С 1 по 28 февраля 2011 года из-за недостаточной толщины снежного покрова и низких температур озимый рапс ООО \u0026laquo;Автотор-Агро\u0026raquo; в Зеленоградском районе вымерз на площади 1255 га или 62,7% от площади посева.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n30 марта \u0026laquo;Автотор\u0026raquo; известил о вымерзании \u0026laquo;Росгосстрах\u0026raquo; и пригласил представителя страховой компании для совместного обследования полей. В середине апреля комиссия с участием представителей \u0026laquo;Автотора\u0026raquo; и страховой компании зафиксировала гибель рапса, а в конце августа из \u0026laquo;Росгосстраха\u0026raquo; пришел отказ в страховой выплате.\r\n\u003C\/p\u003E\u003Cp\u003E\r\nТогда \u0026laquo;Автотор-Агро\u0026raquo; обратилось в суд. В суде \u0026laquo;Росгосстрах\u0026raquo; заявил, что страховой случай не наступил, так как температура воздуха не опускалась ниже минус 25 градусов. Между тем, эксперт \u0026laquo;Всероссийского научно-исследовательского института сельскохозяйственной метеорологии\u0026raquo; отметил, что в феврале 2011 года температура опускалась до минус 15-21 градусов, что вполне могло повлечь фактическое вымерзание рапса. \u0026laquo;Росгосстрах\u0026raquo;, в свою очередь, заявил о фальсификации экспертного заключения, однако \u0026laquo;Автотор\u0026raquo; предоставил все необходимые документы, подтверждающие обратное.\r\n\u003C\/p\u003E\u003Cp\u003E\r\nТакже в суде был заслушан специалист-агроном, который констатировал, что в договоре некорректно прописан критерий вымерзания рапса, так как рапс начинает вымерзать с минус 14 градусов, и для вымерзания совсем не обязательно достижения температуры в минус 25 градусов. Судебно\u0026ndash;агрономическая экспертиза, выполненная НП \u0026laquo;Центр по инновационно-технологическому обеспечению агропромышленного комплекса\u0026raquo;, показала, что рапс в ООО \u0026laquo;Автотор-Агро\u0026raquo; погиб от вымерзания из-за чередования оттепелей и морозов при недостаточной высоте снежного покрова (что и наблюдалось с 1 по 28 февраля 2011 года). \u0026laquo;Критерии вымерзания, указанные в договоре страхования для озимого рапса, некорректны и неприменимы. Озимый рапс ушел в зиму в хорошем состоянии, а его гибель наступила вследствие вымерзания, произошедшего с 1 по 28 февраля 2011 года. 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