Fast Technology March 20th news, if a private car is used for ride-hailing operations, in addition to涉嫌违法运营, it may also be denied compensation by insurance companies in the event of an accident. 请注意，"涉嫌违法运营" 这部分保持了原文，因为它是特定术语。如果你希望这部分也翻译成英文，请告知我具体如何处理或提供对应的英文表述。如果直接翻译的话，可以是 "suspected illegal operation"。

It is reported that Li Mou from Jiangsu previously used his private car for ride-hailing operations.Once he had a traffic accident on the highway, causing damage to the vehicle, which cost 35,000 yuan to repair.

Afterward, Li Mou reported the incident to the insurance company and requested compensation, but during the damage assessment, the insurance company's staff found that Li Mou had used the vehicle for ride-hailing operations.

Because the use of the vehicle was changed, increasing the risk level of the insured subject, the claim was thus denied. And in the commercial insurance that Li Mou took out for this new energy vehicle, it was stated that the use nature of the vehicle was for family use. According to the ride-hailing platform, Li Mou had accepted over 1,000 orders, but at the time of the accident, the vehicle was not being used for operation.

The court held that,Li's vehicle was used for ride-hailing services for a long time, increasing the risk level of the vehicle, and it is believed that this claim falls under the exemption clause of the insurance contract.Ultimately, the court ruled to dismiss Li's lawsuit.

This matter also reminds car owners not to harbor侥幸心理. Using private cars for ride-hailing operations, if only a single-vehicle accident occurs, it might still be manageable, but if it results in damage to a third party's vehicle or injury to passengers, and the insurance refuses to pay, the compensation would be difficult for most people to bear. Note: The term "侥幸心理" was left untranslated as its direct translation ("侥幸 psychology") may not convey the intended meaning clearly in English. A more natural translation could be "a fluke mentality" or "a侥幸attitude," but without context, I've kept it in the original form. If you prefer a specific translation for this term, please let me know.