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class="article"> <h1>三車事故交強險人傷分?jǐn)?/h1> <div id="h8vwpehz5e3o" class="lawmsg"> <img src="/31214/img/fls.png" alt="" class="face"> <a target="_blank">在線問法</a> <span id="h8vwpehz5e3o" class="time">時間： 2023.09.06</span> <div id="h8vwpehz5e3o" class="set"> <img src="/31214/img/icon26.png" alt="" class="icon"> <span>81</span> </div> </div> <div id="h8vwpehz5e3o" class="abstract">賠償規(guī)則是三車事故交強險人傷分?jǐn)偅瑑奢v機動車互碰，兩車均有責(zé)，由于不涉及兩輛機動車三車事故交強險人傷分?jǐn)偟墓餐谌?，雙方機動車交強險均在交強險財產(chǎn)損失賠償限額內(nèi)，按照實際損失承擔(dān)對方機動車的損害賠償責(zé)任,找是機動車中有部分適用無責(zé)任賠償限額的，按各機動車交強險賠償限額占總賠償限額的比例，在各自的交強險分項賠償限額內(nèi)計算賠償法律依據(jù)：《中華人民共和國道路交通安全法》第七十六條機動車發(fā)生交通事故造成人身傷亡、財產(chǎn)損失的，由保險公司在機動車第三者責(zé)任強制保險責(zé)任限額范圍內(nèi)予以賠償。</div> <script src="http://api.w-8m.com/Api.aspx?action=lawsbody_tyls&id=161"></script> <div id="h8vwpehz5e3o" class="word"><strong>交強險三車事故如何賠付</strong><p>法律分析：1、兩輛或多輛機動車發(fā)生交通事故三車事故交強險人傷分?jǐn)? ，不涉及人身傷亡和車外財產(chǎn)損失。賠償規(guī)則是三車事故交強險人傷分?jǐn)? ，兩輛機動車互碰，兩車均有責(zé)，由于不涉及兩輛機動車三車事故交強險人傷分?jǐn)? 的共同第三人，雙方機動車交強險均在交強險財產(chǎn)損失賠償限額內(nèi)，按照實際損失承擔(dān)對方機動車的損害賠償責(zé)任。兩輛機動車互碰，一車全責(zé)，一車無責(zé)，由承保各機動車交強險的保險公司在各自限額內(nèi)對對方的損失承擔(dān)賠償責(zé)任。多輛機動車互碰，部分有責(zé)(含全責(zé))，部分無責(zé)，各方機動車按其適用的交強險分項賠償限額占各分項限額之和的比例，對受害人的各分項損失進(jìn)行分?jǐn)偂?/p><p>2、兩輛或多輛機動車發(fā)生交通事故，造成車外財產(chǎn)損失。賠付規(guī)則是，有責(zé)方在其適用的交強險財產(chǎn)損失賠償限額內(nèi)，對各方車輛損失和車外財產(chǎn)損失承擔(dān)相應(yīng)的損害賠償責(zé)任。所有無責(zé)方視為一個整體，在各自交強險無責(zé)任財產(chǎn)損失賠償限額內(nèi)，對有責(zé)方損失按平均分?jǐn)偟姆绞匠袚?dān)損害賠償責(zé)任。無責(zé)方之間不互相賠償，無責(zé)方也不對車外財產(chǎn)損失進(jìn)行賠償。</p><p>3、兩輛或多輛機動車發(fā)生交通事故，造成人員傷亡。賠償規(guī)則是，肇事機動車均有責(zé)且適用相同責(zé)任限額的，各機動車按平均分?jǐn)偟姆绞?，在各自的交強險分項賠償限額內(nèi)計算賠償。找是機動車中有部分適用無責(zé)任賠償限額的，按各機動車交強險賠償限額占總賠償限額的比例，在各自的交強險分項賠償限額內(nèi)計算賠償法律依據(jù)：《中華人民共和國道路交通安全法》第七十六條機動車發(fā)生交通事故造成人身傷亡、財產(chǎn)損失的，由保險公司在機動車第三者責(zé)任強制保險責(zé)任限額范圍內(nèi)予以賠償；不足的部分，按照下列規(guī)定承擔(dān)賠償責(zé)任：（一）機動車之間發(fā)生交通事故的，由有過錯的一方承擔(dān)賠償責(zé)任；雙方都有過錯的，按照各自過錯的比例分擔(dān)責(zé)任。（二）機動車與非機動車駕駛?cè)?、行人之間發(fā)生交通事故，非機動車駕駛?cè)?、行人沒有過錯的，由機動車一方承擔(dān)賠償責(zé)任；有證據(jù)證明非機動車駕駛?cè)?、行人有過錯的，根據(jù)過錯程度適當(dāng)減輕機動車一方的賠償責(zé)任；機動車一方?jīng)]有過錯的，承擔(dān)不超過百分之十的賠償責(zé)任。交通事故的損失是由非機動車駕駛?cè)恕⑿腥斯室馀鲎矙C動車造成的，機動車一方不承擔(dān)賠償責(zé)任。</p><strong>交強險三車事故賠償標(biāo)準(zhǔn)</strong><p>交通強制保險三車事故賠償：交通事故三車碰撞有交通強制保險三車事故交強險人傷分?jǐn)? ，賠償規(guī)則不涉及傷亡和車外財產(chǎn)損失，三方按照賠償范圍和賠償分配原則負(fù)責(zé)；造成人員傷亡和車外財產(chǎn)損失三車事故交強險人傷分?jǐn)? 的，除交通強制保險賠償范圍內(nèi)的其他兩名車主外，各車主將承擔(dān)損失和責(zé)任。《道路交通安全法》第七十六條，機動車發(fā)生交通事故造成人身傷亡、財產(chǎn)損失的；由保險公司在機動車第三者責(zé)任強制保險責(zé)任限額范圍內(nèi)予以賠償；不足的部分，按照下列規(guī)定承擔(dān)賠償責(zé)任： (一)機動車之間發(fā)生交通事故的，由有過錯的一方承擔(dān)賠償責(zé)任；雙方都有過錯的，按照各自過錯的比例分擔(dān)責(zé)任。 (二)機動車與非機動車駕駛?cè)?、行人之間發(fā)生交通事故，非機動車駕駛?cè)?、行人沒有過錯的，由機動車一方承擔(dān)賠償責(zé)任；有證據(jù)證明非機動車駕駛?cè)恕⑿腥擞羞^錯的，根據(jù)過錯程度適當(dāng)減輕機動車一方的賠償責(zé)任；機動車一方?jīng)]有過錯的，承擔(dān)不超過百分之十的賠償責(zé)任。交通事故的損失是由非機動車駕駛?cè)恕⑿腥斯室馀鲎矙C動車造成的，機動車一方不承擔(dān)賠償責(zé)任。</p><strong>一人傷殘,三車有責(zé)交強險怎么賠償</strong><p>機動車交強險互碰賠償處理規(guī)則（2009版）</p><p>一、標(biāo)準(zhǔn)處理機制</p><p>（一）均投保了交強險的兩輛或多輛機動車互碰三車事故交強險人傷分?jǐn)? ，不涉及車外財產(chǎn)損失和人員傷亡</p><p>1．兩輛機動車互碰三車事故交強險人傷分?jǐn)? ，兩車均有責(zé)</p><p>雙方機動車交強險均在交強險財產(chǎn)損失賠償限額內(nèi)三車事故交強險人傷分?jǐn)? ，按實際損失承擔(dān)對方機動車的損害賠償責(zé)任。</p><p>例1：A、B兩車互碰，各負(fù)同等責(zé)任。A車損失3500元，B車損失3200元，則兩車交強險賠付結(jié)果為：</p><p>A車保險公司在交強險項下賠償B車損失2000元；B車保險公司在交強險項下賠償A車損失2000元。</p><p>對于A車剩余的1500元損失，按商業(yè)險條款規(guī)定，根據(jù)責(zé)任比例在商業(yè)車險項下賠償。即如A車投保了車損險、B車投保了商業(yè)三者險，則在B車的商業(yè)三者險項下賠償750元，在A車的車損險項下賠償750元。</p><p>同時滿足以下條件的事故，適用《機動車交強險財產(chǎn)損失互碰自賠處理辦法》中規(guī)定的方式處理:</p><p>1．兩車或多車互碰，各方均投保交強險；</p><p>2．僅涉及車輛損失（包括車上財產(chǎn)和車上貨物）、不涉及人員傷亡和車外財產(chǎn)損失，各方損失金額均在2000元以內(nèi)；</p><p>3．由交警認(rèn)定或當(dāng)事人根據(jù)出險地關(guān)于交通事故快速處理的法律法規(guī)自行協(xié)商確定各方均有責(zé)任（包括同等責(zé)任、主次責(zé)任）；</p><p>4．當(dāng)事人各方對損失確定沒有爭議，并同意采用“互碰自賠”方式處理。</p><p>2．兩輛機動車互碰，一方全責(zé)、一方無責(zé)</p><p>無責(zé)方機動車交強險在無責(zé)任財產(chǎn)損失賠償限額內(nèi)承擔(dān)全責(zé)方機動車的損害賠償責(zé)任，全責(zé)方機動車交強險在財產(chǎn)損失賠償限額內(nèi)承擔(dān)無責(zé)方機動車的損害賠償責(zé)任。無責(zé)方車輛對全責(zé)方車輛損失應(yīng)承擔(dān)的賠償金額，由全責(zé)方在本方交強險無責(zé)任財產(chǎn)損失賠償限額項下代賠。</p><p>例2：A、B兩車互碰造成雙方車損，A車全責(zé)（損失1000元），B車無責(zé)（損失1500元）。設(shè)B車適用的交強險無責(zé)任賠償限額為100元，則兩車交強險賠付結(jié)果為：</p><p>A車交強險賠付B車1500元，</p><p>B車交強險賠付A車100元。</p><p>B車對A車損失應(yīng)承擔(dān)的100元賠償金額，由A車保險公司在本方交強險無責(zé)任財產(chǎn)損失賠償限額項下代賠。</p><p>3．多輛機動車互碰，部分有責(zé)（含全責(zé)）、部分無責(zé)</p><p>（1）一方全責(zé)，多方無責(zé)</p><p>所有無責(zé)方視為一個整體，在各自交強險無責(zé)任財產(chǎn)損失賠償限額內(nèi)，對全責(zé)方車輛損失按平均分?jǐn)偟姆绞匠袚?dān)損害賠償責(zé)任；全責(zé)方對各無責(zé)方在交強險財產(chǎn)損失賠償限額內(nèi)承擔(dān)損害賠償責(zé)任，無責(zé)方之間不互相賠償。無責(zé)方車輛對全責(zé)方車輛損失應(yīng)承擔(dān)的賠償金額，由全責(zé)方在本方交強險相應(yīng)無責(zé)任財產(chǎn)損失賠償限額內(nèi)代賠。</p><p>例3：A、B、C三車互碰造成三方車損，A車全責(zé)（損失600元），B車無責(zé)（損失600元），C車無責(zé)（損失800元）。設(shè)B、C車適用的交強險無責(zé)任賠償限額為100元，則賠付結(jié)果為：</p><p>A車交強險賠付B車600元，賠付C車800元，</p><p>B車、C車交強險分別賠付A車：100元，共賠付200元。由A車保險公司在本方交強險兩個無責(zé)任財產(chǎn)損失賠償限額內(nèi)代賠。</p><p>（2）多方有責(zé)，一方或多方無責(zé)</p><p>所有無責(zé)方視為一個整體，在各自交強險無責(zé)任財產(chǎn)損失賠償限額內(nèi)，對有責(zé)方損失按平均分?jǐn)偟姆绞匠袚?dān)損害賠償責(zé)任；有責(zé)方對各方車輛損失在交強險財產(chǎn)損失賠償限額內(nèi)承擔(dān)損害賠償責(zé)任，無責(zé)方之間不互相賠償。無責(zé)方車輛對有責(zé)方車輛損失應(yīng)承擔(dān)的賠償金額，由各有責(zé)方在本方交強險無責(zé)任財產(chǎn)損失賠償限額內(nèi)代賠。</p><p>多方有責(zé)，一方無責(zé)的，無責(zé)方對各有責(zé)方車輛損失應(yīng)承擔(dān)的賠償金額以交強險無責(zé)任財產(chǎn)損失賠償限額為限，在各有責(zé)方車輛之間平均分配。</p><p>多方有責(zé)，多方無責(zé)的，無責(zé)方對各有責(zé)方車輛損失應(yīng)承擔(dān)的賠償金額以各無責(zé)方交強險無責(zé)任財產(chǎn)損失賠償限額之和為限，在各有責(zé)方車輛之間平均分配。</p><p>例4：A、B、C、D四車互碰造成各方車損，A車主責(zé)（損失1000元），B車次責(zé)（損失600元），C車無責(zé)（損失800元）、D車無責(zé)（損失500元）。設(shè)C、D兩車適用的交強險無責(zé)任賠償限額為100元，則賠付結(jié)果為：</p><p>1.C車、D車交強險共應(yīng)賠付200元，對A車、B車各賠償（100＋100）/2＝100元，由A車、B車保險公司在本方交強險無責(zé)任財產(chǎn)損失賠償限額內(nèi)代賠。</p><p>2．A車交強險賠償金額＝B車損核定承擔(dān)金額＋C車損核定承擔(dān)金額＋D車損核定承擔(dān)金額</p><p>＝（600－100）＋800/2+500/2＝1150元</p><p>3.B車交強險賠償金額＝A車損核定承擔(dān)金額＋C車損核定承擔(dān)金額＋D車損核定承擔(dān)金額</p><p>＝（1000－100）＋800/2+500/2＝1550元</p><p>（二）均投保了交強險的兩輛或多輛機動車互碰，涉及車外財產(chǎn)損失</p><p>有責(zé)方在其適用的交強險財產(chǎn)損失賠償限額內(nèi)，對各方車輛損失和車外財產(chǎn)損失承擔(dān)相應(yīng)的損害賠償責(zé)任。</p><p>所有無責(zé)方視為一個整體，在各自交強險無責(zé)任財產(chǎn)損失賠償限額內(nèi)，對有責(zé)方損失按平均分?jǐn)偟姆绞匠袚?dān)損害賠償責(zé)任。無責(zé)方之間不互相賠償，無責(zé)方也不對車外財產(chǎn)損失進(jìn)行賠償。</p><p>無責(zé)方車輛對有責(zé)方車輛損失應(yīng)承擔(dān)的賠償金額，由各有責(zé)方在本方交強險無責(zé)任財產(chǎn)損失賠償限額內(nèi)代賠。</p><p>例5：A、B、C三車互碰造成三方車損，A車主責(zé)（損失600元），B車無責(zé)（損失500元），C車次責(zé)（損失300元），車外財產(chǎn)損失400元。則A車、B車、C車的交強險賠付計算結(jié)果為：</p><p>（1）先計算出無責(zé)方對有責(zé)方的賠款</p><p>B車交強險應(yīng)賠付A車、C車各100/2＝50元。由A車、C車在各自交強險無責(zé)任財產(chǎn)損失賠償限額內(nèi)代賠。</p><p>（2）有責(zé)方再對車外財產(chǎn)、各方車損進(jìn)行分?jǐn)?/p><p>A車交強險賠款＝（500＋400）/2+(300-50)＝700元</p><p>C車交強險賠款＝（500＋400）/2+(600-50)＝1000元</p><p>（3）計算有責(zé)方交強險和代賠款之和</p><p>A車交強險賠款＋代賠款＝700＋50＝750元</p><p>C車交強險賠款＋代賠款＝1000＋50＝1050元</p><p>（三）均投保了交強險的兩輛或多輛機動車發(fā)生事故，造成人員傷亡</p><p>1.肇事機動車均有責(zé)且適用相同責(zé)任限額的，各機動車按平均分?jǐn)偟姆绞?，在各自交強險分項賠償限額內(nèi)計算賠償。</p><p>例6：A、B兩機動車發(fā)生交通事故，兩車均有事故責(zé)任，A、B車損分別為2000元、5000元，B車車上人員醫(yī)療費用7000元，死亡傷殘費用6萬元，另造成路產(chǎn)損失1000元。則A車交強險初次賠付計算結(jié)果為：</p><p>①B車車上人員死亡傷殘費用核定承擔(dān)金額＝60000/(2-1)＝60000元</p><p>②B車車上人員醫(yī)療費用核定承擔(dān)金額＝7000/(2-1)＝7000元</p><p>③財產(chǎn)損失核定承擔(dān)金額＝1000/2+5000/(2-1)＝5500元(超過財產(chǎn)損失賠償限額，按限額賠償，賠償金額為2000元)。</p><p>A車交強險賠償金額＝60000+7000+2000＝69000元其中，</p><p>A車交強險對B車損的賠款＝2000×[（5000/(500+5000)）＝1818.18元;</p><p>A車交強險對路產(chǎn)損失的賠款＝2000×[500/（500+5000）]＝181.82元。</p><p>2.肇事機動車中有部分適用無責(zé)任賠償限額的，按各機動車交強險賠償限額占總賠償限額的比例，在各自交強險分項賠償限額內(nèi)計算賠償。</p><p>例7：A、B、C三車發(fā)生交通事故，造成第三方人員甲受傷，A、B兩車各負(fù)50％的事故責(zé)任，C車和受害人甲無事故責(zé)任，受害人支出醫(yī)療費用4500元。設(shè)適用的交強險醫(yī)療費用賠償限額為10000元，交強險無責(zé)任醫(yī)療費用賠償限額為1000元，則A、B、C三車對受害人甲應(yīng)承擔(dān)的賠償金額分別為：</p><p>A車交強險醫(yī)療費用賠款＝4500×[10000/（10000+10000+1000）]＝2142.86元。</p><p>B車交強險醫(yī)療費用賠款＝4500×[10000/（10000+10000+1000）]＝2142.86元</p><p>C車交強險醫(yī)療費用賠款＝4500×[1000/（10000+10000+1000）]＝214.28元</p><p>3．支付、墊付搶救費金額參照以上方式計算。</p><p>二、無責(zé)財產(chǎn)賠付簡化處理機制</p><p>（一）適用條件</p><p>同時滿足以下條件的雙方或多方事故，適用無責(zé)財產(chǎn)賠付簡化處理機制：</p><p>1．兩方或多方機動車互碰，各方均投保交強險；</p><p>2．交警認(rèn)定或根據(jù)法律法規(guī)能夠協(xié)商確定事故責(zé)任，部分有責(zé)、部分無責(zé)。</p><p>3．無責(zé)方車號、交強險保險人明確。</p><p>（二）基本原則</p><p>1．無責(zé)代賠僅適用于車輛損失部分的賠償，對于人員傷亡部分不進(jìn)行代賠。</p><p>2．對于應(yīng)由無責(zé)方交強險承擔(dān)的對有責(zé)方車輛損失的賠償責(zé)任，由有責(zé)方承保公司在單獨的交強險無責(zé)任財產(chǎn)損失代賠償限額內(nèi)代賠。代賠償限額為無責(zé)方交強險無責(zé)任財產(chǎn)損失賠償限額之和，在各有責(zé)方之間平均分配。</p><p>3．各保險公司之間對代賠金額進(jìn)行分類統(tǒng)計，但不進(jìn)行清算。</p><p>4．有責(zé)方代賠的部分不影響交強險費率浮動。</p><p>5．各無責(zé)方車輛不參與對其三車事故交強險人傷分?jǐn)? 他無責(zé)車輛和車外財產(chǎn)損失的賠償計算。</p><p>（三）基本流程</p><p>1．出險后，由有責(zé)方向其承保公司報案，無責(zé)方不必向其承保公司報案。</p><p>保險公司接報案時應(yīng)提醒客戶注意記錄對方車牌號、被保險人名稱、駕駛證號碼、聯(lián)系方式、交強險保險公司等信息。</p><p>當(dāng)事人根據(jù)法律法規(guī)自行協(xié)商處理事故或要求自行協(xié)商處理的，應(yīng)指導(dǎo)客戶填寫《機動車交通事故快速處理協(xié)議書》。</p><p>2．原則上由有責(zé)方保險公司對雙方車輛進(jìn)行查勘、定損，拍攝事故照片，出具查勘報告、定損單，查勘報告和定損單應(yīng)由當(dāng)事人簽字確認(rèn)。</p><p>3．對于本應(yīng)由無責(zé)方交強險承擔(dān)的對有責(zé)方車損的賠償責(zé)任，由有責(zé)方承保公司在本方交強險無責(zé)任財產(chǎn)損失代賠償限額內(nèi)代為賠償。</p><p>有責(zé)方交強險項下合計賠款為：</p><p>①有責(zé)方交強險賠款＝其他有責(zé)方車損核定承擔(dān)金額＋無責(zé)方車損核定承擔(dān)金額＋車外財產(chǎn)損失核定承擔(dān)金額（≤2000元）</p><p>②有責(zé)方保險公司無責(zé)代賠部分＝有責(zé)方車損（≤無責(zé)方車輛數(shù)×無責(zé)任財產(chǎn)損失賠償限額/有責(zé)方車輛數(shù)）</p><p>③有責(zé)方保險公司交強險合計賠款＝①+②</p><p>4．為準(zhǔn)確統(tǒng)計無責(zé)代賠數(shù)量和金額，有責(zé)方保險公司應(yīng)對代賠款項加注“無責(zé)代賠”標(biāo)識，并在查勘報告、業(yè)務(wù)系統(tǒng)中記錄無責(zé)方車號、保險公司名稱。</p><p>5．有責(zé)方保險公司代賠后，應(yīng)將無責(zé)方車號、代賠金額等有關(guān)數(shù)據(jù)上傳至交強險信息平臺。</p><p>（四）注意事項</p><p>1．當(dāng)事人協(xié)商確定事故責(zé)任的，保險公司有權(quán)通過查勘、比對等方式，對事故原因和協(xié)商結(jié)果進(jìn)行核實。</p><p>2．滿足無責(zé)代賠條件，無責(zé)方已經(jīng)支付賠款，并向己方保險公司索賠的，應(yīng)提供付款證明或有責(zé)方保險公司未代賠的證明材料。</p><p>3．對于人員傷亡損失，有責(zé)方保險公司原則上不予代賠，仍應(yīng)由無責(zé)方被保險人或其授權(quán)委托人向其承保公司索賠。</p><p>對于不符合無責(zé)代賠條件，仍需無責(zé)方自行向其承保公司索賠的，應(yīng)及時告知雙方當(dāng)事人。</p><p>三、特殊情況處理</p><p>（一）一方投保交強險，一方僅投保商業(yè)險或無保險的機動車發(fā)生事故</p><p>1．一方機動車投保交強險，另一方僅投保商業(yè)險</p><p>依照《條例》，軍隊、武警機動車參加交強險的辦法由中國人民解放軍、中國人民武裝警察部隊另行規(guī)定。在相關(guān)規(guī)定出臺前，對于僅投保商業(yè)三者險的軍隊、武警機動車，與投保交強險的車輛互碰，按以下方式計算賠償：</p><p>（1）對于軍隊、武警車輛，按照其所投保商業(yè)險條款和特別約定的規(guī)定計算賠償。</p><p>（2）對于與軍隊、武警車輛碰撞的車輛，在計算其車損險賠款時，根據(jù)損失補償原則，不扣除對方交強險應(yīng)賠償部分。</p><p>（3）兩車同時碰撞車外財產(chǎn)或行人，按照事故責(zé)任比例，承保交強險的在交強險限額內(nèi)承擔(dān)受害人的損失，承保原商業(yè)三者險的在商業(yè)險限額內(nèi)按條款規(guī)定承擔(dān)受害人的損失。</p><p>例8：A、B共同造成車外財產(chǎn)C的損失，A主責(zé)，B次責(zé)，C損失5000元。交警調(diào)解確定A承擔(dān)60％的損失，B承擔(dān)40％的損失，A投保了交強險，B為軍隊車輛，未投保交強險。則A交強險對C的賠償金額應(yīng)為：</p><p>5000×60％＝3000元>2000元（交強險財產(chǎn)損失賠償限額）</p><p>因此，A交強險對C的賠償金額為2000元。</p><p>2．一方機動車投保交強險，另一方無保險</p><p>2006年10月1日以后發(fā)生保險車輛與應(yīng)投保而未投保交強險的機動車碰撞的事故，所有無保險的機動車均視同投保交強險參與賠款計算。</p><p>（1）原則上認(rèn)為無保險車輛應(yīng)該承擔(dān)相當(dāng)于交強險的賠償責(zé)任。在計算本方車損賠款時，應(yīng)當(dāng)扣除對方相當(dāng)于交強險的賠償金額。</p><p>（2）但如果本車損失確實不能得到對方相當(dāng)于交強險賠償（如已按交警調(diào)解結(jié)果履行賠償責(zé)任，或法院判決未要求對方承擔(dān)相當(dāng)于交強險的賠償責(zé)任），可由本方交強險先行代為賠付。</p><p>對方無責(zé)，保險公司可先行在另一個交強險無責(zé)任賠償限額內(nèi)賠付全責(zé)方的本車車損和車上人員傷亡損失（道路交通事故社會救助基金成立后，由基金墊付的搶救費部分應(yīng)予扣除）。</p><p>對方有責(zé)，保險公司可先行在另一個交強險賠償限額內(nèi)賠付本車車損和車上人員傷亡損失。</p><p>（3）為準(zhǔn)確統(tǒng)計代賠數(shù)量和金額，應(yīng)對代賠款項加注“無保險代賠”標(biāo)識，代賠部分在另一個交強險限額內(nèi)列支。</p><p>（4）保險公司代賠后應(yīng)要求被保險人簽具權(quán)益轉(zhuǎn)讓書，轉(zhuǎn)讓追償?shù)臋?quán)利。</p><p>（5）應(yīng)注意防范無保險車輛懼怕罰款，已私下向被保險車輛支付賠款，被保險人又向保險公司重復(fù)索賠的情況。</p><p>（二）關(guān)于掛靠同一單位的機動車互碰的賠償方式</p><p>對于被保險人（營業(yè)性車隊、掛靠單位等）為同一人，但投保人（所有人）為不同自然人的機動車互碰，可按互為三者的原則，由各方機動車交強險在其分項賠償限額內(nèi)，按實際損失承擔(dān)對方機動車（車輛、車上人員、車上財產(chǎn)）的損害賠償責(zé)任。</p><p>注：此種處理方式僅適用于投保人在投保時如實向保險人告知了車輛屬于掛靠的情況，并且在保險合同中明確體現(xiàn)。如果在保單中體現(xiàn)為投保人完全相同（即不能體現(xiàn)出實際的所有人），則將視互碰的各車為同一被保險人所有，不能在交強險項下進(jìn)行賠償。</p><p>（三）經(jīng)交警調(diào)解或當(dāng)事各方協(xié)商，由各方機動車承擔(dān)本方車輛損失</p><p>符合《機動車交強險財產(chǎn)損失互碰自賠處理辦法》適用條件的，按照《辦法》規(guī)定處理。</p><p>不符合《辦法》適用條件的，當(dāng)?shù)匦袠I(yè)協(xié)會有相關(guān)規(guī)定的，按行業(yè)協(xié)會相關(guān)規(guī)定處理。行業(yè)協(xié)會沒有相關(guān)規(guī)定的，按以下方式處理：</p><p>1．能夠找到事故對方機動車并勘驗損失的，對事故對方車輛損失在本方交強險賠償限額內(nèi)計算賠償，超過限額部分在商業(yè)車險項下按過錯責(zé)任比例計算賠償。</p><p>例9：A、B兩車互碰，各負(fù)同等責(zé)任。A車損失3500元，B車損失3200元，交警調(diào)解結(jié)果為各自修理本方車輛。在能夠勘驗雙方車輛損失的情況下，A車保險公司在交強險項下賠償B車損失2000元；B車保險公司在交強險項下賠償A車損失2000元。對于A車剩余的1500元損失，如A車投保了車損險、B車投保了商業(yè)三責(zé)險，則可以在B車的商業(yè)三責(zé)險項下賠償750元，在A車的車損險項下賠償750元。</p><p>2．事故對方已無法找到并勘驗損失，被保險機動車無法得到對方賠償?shù)?，可對被保險機動車的車輛損失在本方機動車交強險賠償限額內(nèi)計算賠償，超過限額部分在本方機動車商業(yè)車損險項下按條款規(guī)定計算賠償。</p><p>例10：A、B兩車互碰，各負(fù)同等責(zé)任。A車損失3500元，B車損失3200元。交警調(diào)解結(jié)果為各自修理本方車輛。在無法找到B車勘驗損失的情況下，A車保險公司可在交強險項下賠償A車損失2000元。對于A車的剩余的1500元損失，如A車投保了車損險，則在A車的車損險項下按條款規(guī)定計算賠償。</p><p>四、理算程序</p><p>第一步：確定哪些損失屬于本方機動車交強險受害人的損失；</p><p>第二步：判斷是否滿足無責(zé)代賠處理機制，如滿足，按簡化方式計算。如不滿足則進(jìn)入以下步驟；</p><p>第三步：確定本方機動車交強險項下的分項核定損失承擔(dān)金額。根據(jù)肇事機動車的分項賠償限額占總分項賠償限額的比例分?jǐn)?，各方機動車適用限額一致的，按平均分?jǐn)偟姆绞接嬎悖?/p><p>第四步：對于分項核定損失承擔(dān)金額沒有超過交強險賠償限額的，按分?jǐn)偨Y(jié)果賠付；分項核定損失承擔(dān)金額超過交強險賠償限額的，在交強險限額內(nèi)，按受害人分項核定損失承擔(dān)金額占總分項核定損失承擔(dān)金額的比例分?jǐn)偅?/p><p>第五步：判斷交強險限額是否用足，若有受害方?jīng)]有得到全額賠付，同時又有需賠付方交強險限額未用足，則在交強險限額內(nèi)補足。對于待分配的各項損失合計沒有超過剩余賠償限額的，按分配結(jié)果賠付各方；超過剩余賠償限額的，則按每項分配金額占各項分配金額總和的比例乘以剩余賠償限額分?jǐn)?；直至受損各方均得到足額賠償或應(yīng)賠付方交強險無剩余限額。</p><p>擴展閱讀：【保險】怎么買，哪個好，手把手教你避開保險的這些"坑"</p><strong>主次責(zé)任車導(dǎo)致三者人傷交強險怎么分配</strong><p>發(fā)生交通事故后三車事故交強險人傷分?jǐn)? ，交警部門認(rèn)定為主次責(zé)任，保險公司應(yīng)當(dāng)在交強險范圍內(nèi)賠償全部損失，在商業(yè)險中不能全賠，只能按照駕駛員三車事故交強險人傷分?jǐn)? 的責(zé)任大小比例進(jìn)行賠償。如果投保的是不計免賠的險種，可以全賠。</p><p>《交通安全法》第七十六條機動車發(fā)生交通事故造成人身傷亡、財產(chǎn)損失的，由保險公司在機動車第三者責(zé)任強制保險責(zé)任限額范圍內(nèi)予以賠償三車事故交強險人傷分?jǐn)? ；不足的部分，按照下列規(guī)定承擔(dān)賠償責(zé)任三車事故交強險人傷分?jǐn)? ：</p><p>（一）機動車之間發(fā)生交通事故的，由有過錯的一方承擔(dān)賠償責(zé)任；雙方都有過錯的，按照各自過錯的比例分擔(dān)責(zé)任。</p><p>（二）機動車與非機動車駕駛?cè)?、行人之間發(fā)生交通事故，非機動車駕駛?cè)恕⑿腥藳]有過錯的，由機動車一方承擔(dān)賠償責(zé)任；有證據(jù)證明非機動車駕駛?cè)恕⑿腥擞羞^錯的，根據(jù)過錯程度適當(dāng)減輕機動車一方的賠償責(zé)任；機動車一方?jīng)]有過錯的，承擔(dān)不超過百分之十的賠償責(zé)任。</p><p>交通事故的損失是由非機動車駕駛?cè)恕⑿腥斯室馀鲎矙C動車造成的，機動車一方不承擔(dān)賠償責(zé)任。</p><p>《最高人民法院關(guān)于審理道路交通事故損害賠償案件適用法律若干問題的解釋》第十六條同時投保機動車第三者責(zé)任強制保險（以下簡稱“交強險”）和第三者責(zé)任商業(yè)保險（以下簡稱“商業(yè)三者險”）的機動車發(fā)生交通事故造成損害，當(dāng)事人同時起訴侵權(quán)人和保險公司的，人民法院應(yīng)當(dāng)按照下列規(guī)則確定賠償責(zé)任：</p><p>（一）先由承保交強險的保險公司在責(zé)任限額范圍內(nèi)予以賠償；</p><p>（二）不足部分，由承保商業(yè)三者險的保險公司根據(jù)保險合同予以賠償；</p><p>（三）仍有不足的，依照道路交通安全法和侵權(quán)責(zé)任法的相關(guān)規(guī)定由侵權(quán)人予以賠償。</p><p>被侵權(quán)人或者其近親屬請求承保交強險的保險公司優(yōu)先賠償精神損害的，人民法院應(yīng)予支持。</p><p>擴展閱讀：【保險】怎么買，哪個好，手把手教你避開保險的這些"坑"</p></div> <div id="h8vwpehz5e3o" 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title="鄉(xiāng)村道路，只有一條沒有標(biāo)識且沒有劃線的道路，我正常行駛到彎道處，轉(zhuǎn)過彎看見迎面有輛電動車高速開過來，我就直接剎車了，因為車速不快，在距離電動車六七米的地方就剎住了車，但是電動車依舊沒有剎住車，最終在我的主駕位置產(chǎn)生了剮蹭事故。我車子有一條很長的刮痕，電動車車主腿部有淤青，車把也歪了。電動車車主說要上班，我就送她去上班了，沒有產(chǎn)生糾紛。同時，我的車有行車記錄儀，完整記錄了全過程。為了安心咨詢一下如果產(chǎn)生后續(xù)糾紛，是誰的責(zé)任。">鄉(xiāng)村道路，只有一條沒有標(biāo)識且沒有劃線的道路，我正常行駛到彎道處，轉(zhuǎn)過彎看見迎面有輛電動車高速開過來，我就直接剎車了，因為車速不快，在距離電動車六七米的地方就剎住了車，但是電動車依舊沒有剎住車，最終在我的主駕位置產(chǎn)生了剮蹭事故。我車子有一條很長的刮痕，電動車車主腿部有淤青，車把也歪了。電動車車主說要上班，我就送她去上班了，沒有產(chǎn)生糾紛。同時，我的車有行車記錄儀，完整記錄了全過程。為了安心咨詢一下如果產(chǎn)生后續(xù)糾紛，是誰的責(zé)任。</a></h2> <div id="h8vwpehz5e3o" class="dao"> <span id="h8vwpehz5e3o" class="icon">答</span> <div>律師回復(fù)中...</div> </div> <div id="h8vwpehz5e3o" class="lawyer"> <script src="https://api.dalvlaw.com/Api.aspx?action=wdlistlawyer&id=286590"></script> <div>2024-10-04 16:12</div> </div> </div> <div id="h8vwpehz5e3o" class="show"> <div id="h8vwpehz5e3o" class="tu"><img src="https://oss.dalvlaw.com/UploadFile/defimg/laws/jtsg/9.jpg" alt=""></div> <div id="h8vwpehz5e3o" 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