Core Viewpoint - The case highlights the importance of accurately declaring the usage of vehicles for insurance purposes, as failure to do so can lead to significant financial losses for drivers when accidents occur [1][2]. Group 1: Case Summary - A ride-hailing driver, Mr. Li, insured his vehicle as "non-operational" to save on premiums but was involved in an accident where he was deemed fully responsible [1]. - The insurance company refused to pay the commercial insurance claim, citing that the change in vehicle usage significantly increased the risk, which was explicitly stated in the insurance policy [2]. - The court ruled that the insurance company was only liable for the mandatory insurance compensation of 2000 yuan, while Mr. Li had to cover the remaining 3900 yuan for repairs [1][2]. Group 2: Legal Implications - According to Article 52 of the Insurance Law of the People's Republic of China, insured individuals must notify the insurer of any significant increase in risk, or the insurer may deny claims [2]. - The court considered the change in vehicle usage as a significant increase in risk, which met the criteria of importance, continuity, and unpredictability [2]. - The ruling serves as a reminder for drivers to ensure their insurance policies reflect the actual usage of their vehicles to avoid potential claim denials [3].