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id="h8vwpehz5e3o" class="abstract">4、根據(jù)保險車輛駕駛員在事故中所負責任，車輛損失險和第三者責任險在符合賠償規(guī)定的金額內(nèi)實行絕對免賠率，承擔全部責任的，保險公司會根據(jù)合同規(guī)定，扣除20%的免賠率，同時投保不計免賠保險的則會按照醫(yī)保標準即合理且必要的醫(yī)療費用標準給予全額理賠,3、事故造成第三者人身損害的還需要提供下列證明和資料：二級以上或保險人認可的醫(yī)療機構(gòu)出具的原始醫(yī)療費用收據(jù)、診斷證明及病歷,轎車撞人保險怎么賠償汽車撞人保險賠償方案如下車撞人了保險是怎樣賠償?shù)模?1、機動車在保險期內(nèi)發(fā)生交通事故車撞人了保險是怎樣賠償?shù)?，造成財產(chǎn)損失或者人員受傷車撞人了保險是怎樣賠償?shù)牡?，需要由公安機關確定機動車承擔車撞人了保險是怎樣賠償?shù)牡呢熑?，然后按照責任承擔事故的損失賠償，在賠償結(jié)束以后，按照保險合同條款中投保內(nèi)容申請保險理賠。</div> <script src="http://api.w-8m.com/Api.aspx?action=lawsbody_tyls&id=161"></script> <div id="h8vwpehz5e3o" class="word"><strong>車撞到人了保險公司怎么賠</strong><p>1. 車禍及人身傷害保險公司如何理賠？</p><p> 交通事故人身傷害理賠流程——第一步：報案</p><p> 報案時需提供以下信息：</p><p> 1、保險單、駕駛證、駕駛證。</p><p> 2. 開車去保險公司。</p><p> 3、在保險公司理賠部填寫《車輛事故登記表》。</p><p> 完成這三件事后，您將獲得兩份《車輛危險登記表》和一份《危險通知書》。《車輛事故登記表》一份交給保險公司車撞人了保險是怎樣賠償?shù)? 的定損人員，一份用于填寫《事故通知書》和領取賠償金車撞人了保險是怎樣賠償?shù)? ；《危險提示書》填寫完畢后，連同其他理賠文件公司交還給保險公司。</p><p> 交通事故人身傷害理賠流程——第二步：交警部門結(jié)案并出具事故證明</p><p> 傷者痊愈后，雙方可共同前往交警部門結(jié)案。</p><p> 結(jié)案后要做三件事：</p><p> 1、明確雙方的責任。</p><p> 對于小的交通事故，責任可以慎重計算，損失無論如何都會由保險公司賠償。發(fā)生重大事故或重大事故必須以理由進行斗爭，因為這關系到交警會罰款多少，是否吊銷駕駛執(zhí)照，有時甚至涉及是否追究刑事責任。在交通事故中，只要有人撞到人，司機一般都有一定的責任，問題是責任的大小。</p><p> 2、審查對方要求賠償?shù)氖马棥?/p><p> 當今社會，人心難測，很多受傷的人都會趁機虛報。一定要審查對方的賠償要求是否合理。無理理賠不賠，保險公司不賠，交警不追賠。審查的依據(jù)是《道路交通安全法》，是交警隊伍處理事故的依據(jù)，也是保險公司進行賠償?shù)囊罁?jù)。關于賠償事項，可以查閱最高人民法院關于審理人身損害賠償案件適用法律若干問題的解釋，或者詢問保險公司是否可以將保險公司支付的全部賠償款全部拿到另一方。是否關閉補償程序。</p><p> 3、賠償對方損失，同時索要相關文件。</p><p> 事故雙方的責任和賠償項目確定后，需要對傷者進行賠償。注意：給對方賠款時，一定要拿回相關單據(jù)，否則不要賠，因為沒有這些單據(jù)保險公司是不會賠付的。不同補償項目所需文件如下：醫(yī)療費用：需提供醫(yī)院出具的診斷證明和醫(yī)藥費收據(jù)。誤工費：必須有醫(yī)院出具的需要休養(yǎng)的證明（診斷證明上可以寫清楚），對方工作單位出具的誤工證明。交通：需要門票。殘疾津貼：需要殘疾證明。死亡賠償費：需要死亡證明。</p><strong>轎車撞人保險怎么賠償</strong><p>汽車撞人保險賠償方案如下車撞人了保險是怎樣賠償?shù)? ：</p><p> 1、機動車在保險期內(nèi)發(fā)生交通事故車撞人了保險是怎樣賠償?shù)? ，造成財產(chǎn)損失或者人員受傷車撞人了保險是怎樣賠償?shù)? 的，需要由公安機關確定機動車承擔車撞人了保險是怎樣賠償?shù)? 的責任，然后按照責任承擔事故的損失賠償，在賠償結(jié)束以后，按照保險合同條款中投保內(nèi)容申請保險理賠。理賠時，首先是被保險人向保險公司提交相關資料，保險理賠窗口受理審核，保險公司上級審批同意，保險人最終確定賠償保險金的數(shù)額后，支付相應的賠償；</p><p> 2、被保險人請求賠償時，應按照保險合同要求向保險人提供相關的證明和資料；</p><p> 3、事故造成第三者人身損害的還需要提供下列證明和資料：二級以上或保險人認可的醫(yī)療機構(gòu)出具的原始醫(yī)療費用收據(jù)、診斷證明及病歷；造成第三者傷殘的，還應提供具備相關法律法規(guī)要求的傷殘鑒定資格的醫(yī)療機構(gòu)出具的傷殘程度證明；造成第三者死亡的，還應提供公安機關或醫(yī)療機構(gòu)出具的死亡證明書；</p><p> 4、根據(jù)保險車輛駕駛員在事故中所負責任，車輛損失險和第三者責任險在符合賠償規(guī)定的金額內(nèi)實行絕對免賠率，承擔全部責任的，保險公司會根據(jù)合同規(guī)定，扣除20%的免賠率，同時投保不計免賠保險的則會按照醫(yī)保標準即合理且必要的醫(yī)療費用標準給予全額理賠。</p><strong>汽車撞人保險賠償標準是什么？</strong><p>一、汽車撞人保險賠償標準車撞人了保險是怎樣賠償?shù)? ：根據(jù)規(guī)定車撞人了保險是怎樣賠償?shù)? ，車撞人有交強險的先讓保險公司在責任限額范圍內(nèi)予以賠付車撞人了保險是怎樣賠償?shù)? ，保險公司承擔責任后仍賠付不足的，有商業(yè)險的有商業(yè)險賠付，沒有商業(yè)險的由肇事方補足。一般情況下保險公司只承擔合同規(guī)定的相應賠償責任，并且有自己的免責條款，一些酒駕、無證駕駛的情況是無法得到賠償?shù)?。被撞傷者故意花費擴大損失，也可以不用承擔賠償責任。交強險賠償標準車撞人了保險是怎樣賠償?shù)? ：中華人民共和國境內(nèi)(不含港、澳、臺地區(qū))，被保險人在使用被保險機動車過程中發(fā)生交通事故，致使受害人遭受人身傷亡或者財產(chǎn)損失，依法應當由被保險人承擔的損害賠償責任，保險人按照交強險合同的約定對每次事故在下列賠償限額內(nèi)負責賠償車撞人了保險是怎樣賠償?shù)? ： (一)死亡傷殘賠償限額為110000元; (二) 醫(yī)療費用賠償限額為10000元; (三)財產(chǎn)損失賠償限額為2000元; (四)被保險人無責任時，無責任死亡傷殘賠償限額為11000元;無責任醫(yī)療費用賠償限額為1000元;無責任財產(chǎn)損失賠償限額為100元。死亡傷殘賠償限額和無責任死亡傷殘賠償限額項下負責賠償喪葬費、死亡補償費、受害人親屬辦理喪葬事宜支出的交通費用、殘疾賠償金、殘疾輔助器具費、護理費、康復費、交通費、被扶養(yǎng) 人生活費、住宿費、誤工費，被保險人依照法院判決或者調(diào)解承擔的精神損害撫慰金。醫(yī)療費用賠償限額和無責任醫(yī)療費用賠償限額項下負責賠償醫(yī)藥費、診療費、住院費、住院伙食補助費，必要的、合理的后續(xù)治療費、整容費、營養(yǎng)費。二、交通事故保險賠償流程機動車在保險期內(nèi)發(fā)生交通事故，造成財產(chǎn)損失或者人員受傷的，需要由公安機關確定機動車承擔的責任，然后按照責任承擔事故的損失賠償，在賠償結(jié)束以后，按照保險合同條款中投保內(nèi)容申請保險理賠。理賠時，首先是被保險人向保險公司提交相關資料，保險理賠窗口受理審核，保險公司上級審批同意，保險人最終確定賠償保險金的數(shù)額后，支付相應的賠償。 1.被保險人請求賠償時，應按照保險合同要求向保險人提供相關的證明和資料。 2.事故造成第三者人身損害的還需要提供下列證明和資料：二級以上或保險人認可的醫(yī)療機構(gòu)出具的原始醫(yī)療費用收據(jù)、診斷證明及病歷;造成第三者傷殘的，還應提供具備相關法律法規(guī) 要求的傷殘鑒定資格的醫(yī)療機構(gòu)出具的傷殘程度證明;造成第三者死亡的，還應提供公安機關或醫(yī)療機構(gòu)出具的死亡證明書; 3.根據(jù)保險車輛駕駛員在事故中所負責任，車輛損失險和第三者責任險在符合賠償規(guī)定的金額內(nèi)實行絕對免賠率，承擔全部責任的，保險公司會根據(jù)合同規(guī)定，扣除20%的免賠率，同時投保不計免賠保險的則會按照醫(yī)保標準即合理且必要的醫(yī)療費用標準給予全額理賠。 4.合理且必要的醫(yī)療費用：指意外傷害治療期間發(fā)生的符合保單簽發(fā)地政府當時適用的《城鎮(zhèn)職工基本醫(yī)療保險藥品目錄》、《城鎮(zhèn)職工基本醫(yī)療保險診療項目目錄》、《城鎮(zhèn)職工基本醫(yī)療保險醫(yī)療服務設施項目范圍》及相關規(guī)定的醫(yī)療費用，但是不含以下費用： (1)按規(guī)定使用某些藥品、進行特殊檢查和特殊治療時，需個人先行自付一定比例的醫(yī)療費用; (2)按規(guī)定轉(zhuǎn)外就醫(yī)需個人提高自負一定比例的醫(yī)療費用; (3)基本醫(yī)療保險制度規(guī)定以外的個人自費的醫(yī)療費用; 5.被保險人向保險人請求賠償保險金的訴訟時效期間為二年，自其知道或者應當知道保險事故發(fā)生之日起計算。由此看來，汽車撞人保險賠償標準有各種各樣的因素決定，不能僅僅因為有保險就可以放松大意，就算再好的保險公司熱不如自己的人身安全，所以為了您和您的家人請遵守交通規(guī)則，詳情請詢問保險公司及其工作人員。</p></div> <div id="h8vwpehz5e3o" class="new_det_p1">【版權(quán)聲明】部分文章和信息來源于互聯(lián)網(wǎng)、律師投稿，刊載此文是出于傳遞更多信息和學習之目的。若有來源標注錯誤或侵犯了您的合法權(quán)益，請作者持權(quán)屬證明于本網(wǎng)聯(lián)系，我們將予以及時更正或刪除。</div> <div id="h8vwpehz5e3o" class="readed"> <h6>延伸閱讀</h6> <ul class="read"> <li><a href="/doc/35036.html" target="_self" title="車被撞了對方全責流程索要">車被撞了對方全責流程索要</a></li> <li><a href="/doc/166230.html" target="_self" title="加盟不做了要付違約金">加盟不做了要付違約金</a></li> <li><a href="/doc/462845.html" target="_self" 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