机动车损失保险条款通常约定由于暴雨等原因造成的损失属于保险责任范围,但同时又将发动机涉水导致的损失作为车损险的免赔事项。司法实务中,保险人是否应对因暴雨导致发动机进水产生的损失承担责任,往往成为案件的争议焦点。法院在审理发动机进水案件的时候,不能过度倾斜保护投保人,轻易认定车损险的发动机进水免责条款无效,或滥用不利解释原则,而应当在全面把握保险条款的基础上,综合投保人的投保情况以及案件发生的具体事实来做出公平公正的判决。 Motor vehicle loss insurance provisions are usually agreed due to heavy rainfall and other causes of loss belonging to the scope of insurance, but at the same time the wreckage of the engine as a vehicle damage insurance deductible items. Judicial practice, the insurer should be responsible for the losses caused by heavy rain caused by engine water, often become the focus of controversy in the case. When examining an engine water infringement case, the court should not over-tilt and protect the policyholder, and may easily invalidate the exemption clause of engine water damage or abuse the unfavorable interpretation principle. Instead, the court should comprehensively insure the policy terms, The insured situation and the specific facts of the case to make fair and impartial judgments.