In order to save costs caused by the increase in insurance premiums for ride hailing services, some ride hailing operators purchase commercial insurance for vehicles that are actually engaged in ride hailing services as "non operational". What legal consequences will this operation face? Mr. Li, a ride hailing driver, had a traffic accident while carrying passengers. According to the traffic police accident responsibility determination, Master Li bears full responsibility. Previously, Master Li insured his vehicle with compulsory traffic insurance and commercial insurance, but the policy stated that the nature of the insurance he insured for the vehicle was "non operational". Who will bear the 5900 yuan spent on repairing the car? After negotiations between the damaged party, Mr. Li, and the insurance company failed, they filed a lawsuit to the court, demanding that Mr. Li and the insurance company bear all the repair costs. The case was concluded in the first instance by Fengtai District People's Court of Beijing and the second instance by Beijing Second Intermediate People's Court. In this case, although Mr. Li's vehicle was insured with compulsory traffic insurance and 'non operational' commercial insurance, he changed the purpose of the vehicle without authorization and engaged in ride hailing services using the 'non operational' insured vehicle, changing the nature of the insured vehicle's use and increasing the frequency of motor vehicle use involved in the case. And Master Li failed to notify the insurer in a timely manner as agreed in the contract, which constitutes a situation of 'significantly increasing the degree of danger of the insured subject matter'. ”The investigating judge said. In the end, the court ruled that the insurance company should pay a compensation of 2000 yuan to the damaged party within the scope of compulsory traffic insurance, and the remaining 3900 yuan should be borne by Mr. Li as compensation liability. The judge reminds that motor vehicle policyholders must purchase corresponding commercial insurance based on the actual nature of the vehicle's use. If an individual non-commercial vehicle engages in ride hailing business after being insured as "non-commercial", they should immediately notify the insurance company and handle it in a timely manner to prevent situations where commercial insurance refuses to compensate. (New Society)