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class="word"><strong>汽車(chē)第三者責(zé)任險(xiǎn)在什么情況下沒(méi)有賠償</strong><p>第三者責(zé)任險(xiǎn)這些情況下不賠：1、交警沒(méi)辦法劃定責(zé)任的情況不予理賠三者險(xiǎn)不負(fù)責(zé)賠償?shù)氖? ，如報(bào)險(xiǎn)資料不足、未保留事故證據(jù)三者險(xiǎn)不負(fù)責(zé)賠償?shù)氖? ；2、應(yīng)由第三者負(fù)責(zé)賠償?shù)菬o(wú)法找到第三者而增加的免賠金額不賠；3、只買(mǎi)三者險(xiǎn)不負(fù)責(zé)賠償?shù)氖? 了車(chē)損險(xiǎn)、第三者責(zé)任險(xiǎn)和不計(jì)免賠險(xiǎn)的，車(chē)輛被盜被搶不賠；4、車(chē)主違反規(guī)定或駕駛技術(shù)不好造成頻繁出現(xiàn)產(chǎn)生的加扣免賠率不賠。</p><p>【法律依據(jù)】</p><p>《保險(xiǎn)法》第十六條訂立保險(xiǎn)合同，保險(xiǎn)人就保險(xiǎn)標(biāo)的或者被保險(xiǎn)人的有關(guān)情況提出詢(xún)問(wèn)的，投保人應(yīng)當(dāng)如實(shí)告知。投保人故意或者因重大過(guò)失未履行前款規(guī)定的如實(shí)告知義務(wù)，足以影響保險(xiǎn)人決定是否同意承?；蛘咛岣弑ｋU(xiǎn)費(fèi)率的，保險(xiǎn)人有權(quán)解除合同。前款規(guī)定的合同解除權(quán)，自保險(xiǎn)人知道有解除事由之日起，超過(guò)三十日不行使而消滅。自合同成立之日起超過(guò)二年的，保險(xiǎn)人不得解除合同；發(fā)生保險(xiǎn)事故的，保險(xiǎn)人應(yīng)當(dāng)承擔(dān)賠償或者給付保險(xiǎn)金的責(zé)任。投保人故意不履行如實(shí)告知義務(wù)的，保險(xiǎn)人對(duì)于合同解除前發(fā)生的保險(xiǎn)事故，不承擔(dān)賠償或者給付保險(xiǎn)金的責(zé)任，并不退還保險(xiǎn)費(fèi)。</p><strong>第三者責(zé)任險(xiǎn)在什么情況下不賠償</strong><p>1.被保險(xiǎn)車(chē)輛造成下列人身傷害或者財(cái)產(chǎn)損失三者險(xiǎn)不負(fù)責(zé)賠償?shù)氖? 的三者險(xiǎn)不負(fù)責(zé)賠償?shù)氖? ，無(wú)論被保險(xiǎn)人是否應(yīng)當(dāng)依法承擔(dān)賠償責(zé)任，保險(xiǎn)人都不負(fù)責(zé)賠償:(一)被保險(xiǎn)人及其家屬三者險(xiǎn)不負(fù)責(zé)賠償?shù)氖? 的人身傷亡，全部或者委托財(cái)產(chǎn)的損失；(二)車(chē)輛駕駛?cè)思捌浼覍俚娜松韨?，以及全部或者委托?cái)產(chǎn)的損失；(3)列車(chē)上其他人員的人身傷害、死亡或財(cái)產(chǎn)損失。2.在下列情況下，保險(xiǎn)人對(duì)任何原因造成的對(duì)第三人的經(jīng)濟(jì)賠償責(zé)任不承擔(dān)責(zé)任:(1)地震、戰(zhàn)爭(zhēng)、軍事沖突、恐怖活動(dòng)、暴亂、扣押、沒(méi)收和政府征用；(二)在營(yíng)業(yè)性維修場(chǎng)所進(jìn)行競(jìng)賽、檢測(cè)、維修和保養(yǎng)；(三)利用保險(xiǎn)車(chē)輛從事違法活動(dòng)的；(四)駕駛?cè)孙嬀啤⑽净蛘咦⑸涠酒?、被下藥后使用保險(xiǎn)車(chē)輛的；(5)保險(xiǎn)車(chē)輛肇事逃逸。</p><strong>什么情況下購(gòu)買(mǎi)了第三者責(zé)任險(xiǎn)保險(xiǎn)公司不理賠</strong><p>交了全險(xiǎn)三者險(xiǎn)不負(fù)責(zé)賠償?shù)氖? ，以下情況保險(xiǎn)公司不賠</p><p>1、收費(fèi)停車(chē)場(chǎng)丟車(chē)一般情況下，車(chē)輛在收費(fèi)停車(chē)場(chǎng)或者營(yíng)業(yè)性修理廠中被盜，保險(xiǎn)公司不負(fù)責(zé)賠付。</p><p>2、駕駛員故意事故三者險(xiǎn)不負(fù)責(zé)賠償?shù)氖? ：</p><p>根據(jù)保險(xiǎn)條款規(guī)定，駕駛員三者險(xiǎn)不負(fù)責(zé)賠償?shù)氖? 的故意行為屬于責(zé)任免除范圍，因此即使發(fā)生任何緊急狀況，如果是駕駛員的蓄意行為造成事故，保險(xiǎn)公司都不會(huì)負(fù)責(zé)賠付。</p><p>3、車(chē)輛內(nèi)物品丟失三者險(xiǎn)不負(fù)責(zé)賠償?shù)氖? ：</p><p>根據(jù)保險(xiǎn)產(chǎn)品中的保險(xiǎn)范圍規(guī)定，盜美險(xiǎn)的賠償范圍僅僅是車(chē)輛本身，而不包括車(chē)內(nèi)的物品。</p><p>4、車(chē)輛撞了自家人：</p><p>第三者責(zé)任險(xiǎn)只負(fù)責(zé)賠償保險(xiǎn)車(chē)輛因意外事故致使第三方遭受人身傷亡或財(cái)產(chǎn)的直接損失。</p><p>第三者的定義中，不包括保險(xiǎn)人、被保險(xiǎn)人、本車(chē)發(fā)生事故時(shí)的駕駛員及家庭成員以及被保險(xiǎn)人的家庭成員。因此，駕車(chē)者如果不小心撞上了自家人，保險(xiǎn)公司不賠。</p><p>5、其他不屬于保險(xiǎn)責(zé)任范圍內(nèi)的損失：</p><p>①車(chē)燈或者倒車(chē)鏡單獨(dú)破損的不賠。</p><p>②把負(fù)全責(zé)的肇事人放跑的不賠。</p><p>③水深處強(qiáng)行打火導(dǎo)致發(fā)動(dòng)機(jī)損壞的不賠。</p><p>④車(chē)輛修理期間造成的損失不賠。</p><p>⑤拖著沒(méi)保交強(qiáng)險(xiǎn)的車(chē)出事故的不賠。</p><p>⑥私自加裝的設(shè)備不賠。</p><p>⑦被車(chē)上物品撞壞不賠。</p><p>⑧沒(méi)經(jīng)過(guò)定損直接修理的不賠。</p><p>⑨車(chē)輛零部件被盜的不賠。</p><p>6、酒后駕車(chē)、無(wú)照駕駛，行駛證、駕照沒(méi)年檢的，保險(xiǎn)公司也可以拒絕賠付。</p><p>擴(kuò)展閱讀：【保險(xiǎn)】怎么買(mǎi)，哪個(gè)好，手把手教你避開(kāi)保險(xiǎn)的這些"坑"</p><strong>三者險(xiǎn)不予賠付的范圍</strong><p>第三者責(zé)任保險(xiǎn)雖然是負(fù)責(zé)賠償投保車(chē)輛發(fā)生交通事故后導(dǎo)致三者險(xiǎn)不負(fù)責(zé)賠償?shù)氖? 的車(chē)以外的人身?yè)p害或者財(cái)產(chǎn)損失的賠償三者險(xiǎn)不負(fù)責(zé)賠償?shù)氖? ，但具體的賠付則是有相關(guān)規(guī)定的三者險(xiǎn)不負(fù)責(zé)賠償?shù)氖? ，比如醫(yī)療費(fèi)用的賠付，目前保險(xiǎn)公司一般都是按照國(guó)家公費(fèi)醫(yī)療的相關(guān)標(biāo)準(zhǔn)來(lái)進(jìn)行審核的，超出這一范圍的藥品是不予賠償?shù)?。因此，?duì)于醫(yī)療費(fèi)而言，保險(xiǎn)公司不賠償?shù)木褪浅鰢?guó)家公費(fèi)醫(yī)療范圍的費(fèi)用。同時(shí)，對(duì)于誤工費(fèi)、護(hù)理費(fèi)、伙食補(bǔ)助費(fèi)、傷殘賠償金，國(guó)家都有相應(yīng)的賠償標(biāo)準(zhǔn)，如果超出國(guó)家標(biāo)準(zhǔn)，保險(xiǎn)公司也是不予以賠償?shù)摹?/p><p>擴(kuò)展閱讀三者險(xiǎn)不負(fù)責(zé)賠償?shù)氖? ：【保險(xiǎn)】怎么買(mǎi)，哪個(gè)好，手把手教三者險(xiǎn)不負(fù)責(zé)賠償?shù)氖? 你避開(kāi)保險(xiǎn)的這些"坑"</p><strong>哪些情形商業(yè)第三者責(zé)任險(xiǎn)不賠？</strong><p>1、車(chē)子如果超期未年審或者年審沒(méi)通過(guò)時(shí)發(fā)生事故,第三者責(zé)任險(xiǎn)不賠。</p><p>2、司機(jī)的準(zhǔn)駕車(chē)型不符或者駕照過(guò)期,發(fā)生事故,不賠。</p><p>3、司機(jī)飲酒、吸食或注射毒品、被藥物麻醉后開(kāi)車(chē),發(fā)生事故也不賠。</p><p>4、用車(chē)子從事違法活動(dòng)時(shí)發(fā)生事故,不賠。</p><p>5、肇事逃逸,不賠。</p><p>理賠：</p><p>理賠是保險(xiǎn)公司執(zhí)行保險(xiǎn)合同三者險(xiǎn)不負(fù)責(zé)賠償?shù)氖? ，履行保險(xiǎn)義務(wù)，承擔(dān)保險(xiǎn)責(zé)任的具體體現(xiàn)。一方面，理賠工作做得好，被保人的損失才可能得到應(yīng)有的補(bǔ)償，保險(xiǎn)的職能作用才可能發(fā)揮，社會(huì)再生產(chǎn)的順利運(yùn)行和人民生活的正常安定才可能得到保障，保險(xiǎn)公司的信譽(yù)才可能提高三者險(xiǎn)不負(fù)責(zé)賠償?shù)氖? ；另一方面，通過(guò)保險(xiǎn)理賠，可以檢驗(yàn)承保業(yè)務(wù)的質(zhì)量，暴露防災(zāi)防損工作中的薄弱環(huán)節(jié)，便于公司進(jìn)一步掌握災(zāi)害事故發(fā)生的規(guī)律，總結(jié)和吸取經(jīng)驗(yàn)教訓(xùn)，進(jìn)一步改進(jìn)和提高公司的經(jīng)營(yíng)管理工作。</p><p>2017年12月1日，《公共服務(wù)領(lǐng)域英文譯寫(xiě)規(guī)范》正式實(shí)施，理賠規(guī)定標(biāo)準(zhǔn)英文名為Claim Settlement。</p><strong>第三者責(zé)任險(xiǎn)哪些情況是不賠償</strong><p>2011-12-23瀏覽數(shù)三者險(xiǎn)不負(fù)責(zé)賠償?shù)氖? ：標(biāo)簽:什么是第三者責(zé)任險(xiǎn)賠償范圍第三者責(zé)任險(xiǎn)(簡(jiǎn)稱(chēng)三責(zé)險(xiǎn))是指被保險(xiǎn)人或其允許三者險(xiǎn)不負(fù)責(zé)賠償?shù)氖? 的駕駛?cè)藛T在使用保險(xiǎn)車(chē)輛過(guò)程中發(fā)生意外事故三者險(xiǎn)不負(fù)責(zé)賠償?shù)氖? ，致使第三者遭受人身傷亡或財(cái)產(chǎn)直接損毀，依法應(yīng)當(dāng)由被保險(xiǎn)人承擔(dān)的經(jīng)濟(jì)責(zé)任，保險(xiǎn)公司負(fù)責(zé)賠償。同時(shí)，若經(jīng)保險(xiǎn)公司書(shū)面同意，被保險(xiǎn)人因此發(fā)生仲裁或訴訟費(fèi)用的，保險(xiǎn)公司在責(zé)任限額以外賠償，但最高不超過(guò)責(zé)任限額的30%。以往絕大多數(shù)的地方政府將第三者責(zé)任險(xiǎn)列為強(qiáng)制保險(xiǎn)險(xiǎn)種，不買(mǎi)這個(gè)保險(xiǎn)，機(jī)動(dòng)車(chē)便上不了牌也不能年檢。在機(jī)動(dòng)車(chē)交通強(qiáng)制保險(xiǎn)(簡(jiǎn)稱(chēng)交強(qiáng)險(xiǎn))出臺(tái)后，第三者責(zé)任險(xiǎn)已成為非強(qiáng)制性的保險(xiǎn)。因?yàn)榻粡?qiáng)險(xiǎn)在對(duì)第三者的財(cái)產(chǎn)損失和醫(yī)療費(fèi)用部分賠償較低，可考慮購(gòu)買(mǎi)第三者責(zé)任險(xiǎn)作為交強(qiáng)險(xiǎn)的補(bǔ)充。■解讀第三者責(zé)任險(xiǎn)重要性第三者責(zé)任險(xiǎn)”，聽(tīng)起來(lái)就有些云里霧里的味道。您看了下面的故事就知道第三者險(xiǎn)的重要了。1.孫先生對(duì)自己的一時(shí)糊涂后悔萬(wàn)分。兩周前，由于夜晚疲勞駕車(chē)，回家途中不慎將一位騎車(chē)男子撞倒在地，他想逃避責(zé)任，便一踏油門(mén)逃走了。但終究難逃法網(wǎng)，日前他作為肇事逃逸司機(jī)被公安局拘捕，同時(shí)將面對(duì)傷者巨額的醫(yī)療費(fèi)。這時(shí)孫先生想到了三責(zé)險(xiǎn)———他還能得到保險(xiǎn)理賠嗎?肇事逃逸絕對(duì)是遭人唾棄的行為。按規(guī)定，保險(xiǎn)公司對(duì)有肇事逃逸行為的投保人不會(huì)有任何賠償。除了被拘捕，這也是肇事逃逸必須付出的代價(jià)。2.李小姐拿到駕照后就很少開(kāi)車(chē)，但有時(shí)工作需要又不得不自己開(kāi)車(chē)出行，由于駕駛技術(shù)生疏，短短兩個(gè)月內(nèi)先后兩次出事故，需承擔(dān)巨額賠償。第一次讓保險(xiǎn)公司理賠，她感到心安理得，第二次出事后便覺(jué)得心里沒(méi)有底三者險(xiǎn)不負(fù)責(zé)賠償?shù)氖? ：這次還能理賠嗎?李小姐的擔(dān)心是多余的。按照保險(xiǎn)合同，只要在有效的保險(xiǎn)期內(nèi)，發(fā)生理賠過(guò)程中金額不超過(guò)其限額，都能得到全額賠償。但保險(xiǎn)只能給她帶來(lái)經(jīng)濟(jì)上的補(bǔ)償，出行安全還得靠自己當(dāng)心。3.黃先生買(mǎi)了一輛二手車(chē)，覺(jué)得即實(shí)惠又實(shí)用，可最近出了一樁事故卻使他很煩惱：由于原車(chē)主并沒(méi)有為這輛車(chē)辦理保險(xiǎn)，因而他也就無(wú)法得到理賠。車(chē)輛在易手后需要進(jìn)行重新評(píng)估，保險(xiǎn)合同也要隨之更改。黃先生不知是不懂還是疏忽，沒(méi)有為二手車(chē)變更保險(xiǎn)，只好自己吃“啞巴虧”了。4.許科長(zhǎng)是個(gè)大忙人，最近發(fā)生了一次車(chē)禍后，他幾次想去保險(xiǎn)公司辦理賠手續(xù)，但應(yīng)接不暇的工作、會(huì)議使他分身乏術(shù)，只好一拖再拖。到他終于想到去保險(xiǎn)公司時(shí)，已隔了很長(zhǎng)時(shí)間，擔(dān)心保險(xiǎn)公司不會(huì)接受。結(jié)果，他順利拿到了賠款，一顆心才石頭落地。發(fā)生事故后，應(yīng)該48小時(shí)內(nèi)向保險(xiǎn)公司投案，然后按照其要求準(zhǔn)備相應(yīng)的證明，在確定賠償金額后，2年內(nèi)都可以拿回這筆賠款。試想，沒(méi)有人會(huì)在2年內(nèi)一直對(duì)這筆賠款熟視無(wú)睹吧。故事就講到這里。為了更好地保障大家的利益，最后讓保險(xiǎn)專(zhuān)家給三者險(xiǎn)不負(fù)責(zé)賠償?shù)氖? 你幾點(diǎn)小提示：1.購(gòu)買(mǎi)車(chē)輛保險(xiǎn)時(shí)，需仔細(xì)閱讀條款，特別是免賠部分的內(nèi)容一定要看清，不懂要搞清。2.遇到事故時(shí)，請(qǐng)及時(shí)通知保險(xiǎn)公司，這樣可以為之后的理賠作更充分的準(zhǔn)備。3.按照事故的不同情況，在向保險(xiǎn)公司提交證明時(shí)，先打個(gè)電話詢(xún)問(wèn)，在確認(rèn)了所需證件已經(jīng)齊全的情況下再前去索賠，以免事倍功半。4.車(chē)輛過(guò)戶時(shí)，保險(xiǎn)合同一定要重新辦理，否則無(wú)效。這點(diǎn)買(mǎi)二手車(chē)時(shí)一定要注意。5.注意保險(xiǎn)合同的有效期，盡早辦理下一年的合同，不要產(chǎn)生真空期。6.上一保險(xiǎn)年度未發(fā)生賠款，且續(xù)保期限仍為一年時(shí)，在下一年的費(fèi)率上可以享受一定的優(yōu)惠。安全行駛，會(huì)讓你得到真正的實(shí)惠?！龅谌哓?zé)任險(xiǎn)的賠償金額第三者責(zé)任險(xiǎn)的賠償金額應(yīng)根據(jù)保險(xiǎn)合同規(guī)定的保險(xiǎn)責(zé)任和國(guó)務(wù)院《道路交通事故處理辦法》(1991年9月22日中華人民共和國(guó)國(guó)務(wù)院令第89號(hào))進(jìn)行確定和計(jì)算?！稒C(jī)動(dòng)汽車(chē)保險(xiǎn)條款》第八條規(guī)定：第三者責(zé)任險(xiǎn)的每次事故最高賠償限額分五個(gè)賠償檔次5萬(wàn)元、10萬(wàn)元、20萬(wàn)元、50萬(wàn)元、100萬(wàn)元，其保險(xiǎn)費(fèi)用分別為800元、1040元、1250元、1500元、1650元，被保險(xiǎn)人可以自愿選擇投保。這一條款規(guī)定了第三者責(zé)任險(xiǎn)每次事故的最高賠償限額也是保險(xiǎn)人計(jì)算保險(xiǎn)費(fèi)依據(jù)。■第三者責(zé)任險(xiǎn)的賠款計(jì)算方法第三者責(zé)任險(xiǎn)的賠款計(jì)算方法分兩類(lèi)：當(dāng)被保險(xiǎn)人按事故責(zé)任比例應(yīng)承擔(dān)的賠償金額超過(guò)賠償限額時(shí)：賠款=賠償限額x(1-免賠率)當(dāng)被保險(xiǎn)人按事故責(zé)任比例應(yīng)承擔(dān)的賠償金額低于賠償限額時(shí)：賠款=應(yīng)負(fù)賠償金額x(1-免賠率)對(duì)第三者責(zé)任險(xiǎn)賠款進(jìn)行計(jì)算時(shí)，被保險(xiǎn)人應(yīng)特別注意以下幾點(diǎn)：1、賠款計(jì)算依據(jù)交通管理部門(mén)出具的《道路交通事故責(zé)任認(rèn)定書(shū)》以及據(jù)此做出的《道路交通事故損害賠償調(diào)解書(shū)》。當(dāng)調(diào)解結(jié)果與責(zé)任認(rèn)定書(shū)不一致時(shí)，對(duì)于調(diào)解結(jié)果中認(rèn)定的超出被保險(xiǎn)人責(zé)任范圍內(nèi)的金額，保險(xiǎn)2、對(duì)于不屬于保險(xiǎn)合同中規(guī)定的賠償項(xiàng)目但被保險(xiǎn)人己自行承諾或支付的費(fèi)用保險(xiǎn)人不予承擔(dān)。3、法院判決被保險(xiǎn)人應(yīng)賠償?shù)谌叩慕痤~，如精神損失賠償費(fèi)等保險(xiǎn)人不予承擔(dān)。4、保險(xiǎn)人對(duì)第三者責(zé)任事故賠償后，對(duì)受害第三者的任何賠償費(fèi)用的增加不再負(fù)責(zé)。■事故責(zé)任限額第三者責(zé)任險(xiǎn)每次事故的最高賠償限額是保險(xiǎn)人計(jì)算保險(xiǎn)費(fèi)的依據(jù)，同時(shí)也是保險(xiǎn)人承擔(dān)第三者責(zé)任險(xiǎn)每次事故賠償金額的最高限額。1)每次事故的責(zé)任限額，由投保人和保險(xiǎn)人在簽訂保險(xiǎn)合同時(shí)按5萬(wàn)元、10萬(wàn)元、20萬(wàn)元、50萬(wàn)元、100萬(wàn)元和100萬(wàn)元以上不超過(guò)1000萬(wàn)元的檔次協(xié)商確定。第三者責(zé)任險(xiǎn)的每次事故的最高賠償限額應(yīng)根據(jù)不同車(chē)輛種類(lèi)選擇確定。確定方式如下：(1)在不同區(qū)域內(nèi)，摩托車(chē)、拖拉機(jī)的最高賠償限額分4個(gè)檔次：2萬(wàn)元、5萬(wàn)元、10萬(wàn)元和20萬(wàn)元;摩托車(chē)、拖拉機(jī)的每次事故最高賠償限額因不同區(qū)域其選擇原則是不同的，與《汽車(chē)保險(xiǎn)費(fèi)率規(guī)章》有關(guān)摩托車(chē)、拖拉機(jī)定額保單銷(xiāo)售區(qū)域的劃分相一致。即廣東、福建、浙江、江蘇4省，直轄市(北京、上海、天津、重慶)，計(jì)劃單列市(深圳、廈門(mén)、寧波、青島、大連)，各省省會(huì)城市，各自治區(qū)首府城市屬于A類(lèi)，最低選擇5萬(wàn)元，其他區(qū)域?qū)儆贐類(lèi)，最低選擇2萬(wàn)元。(2)除摩托車(chē)、拖拉機(jī)外的其他汽車(chē)第三者責(zé)任險(xiǎn)的最高賠償限額分為6個(gè)檔次：5萬(wàn)元、10萬(wàn)元、20萬(wàn)元、50萬(wàn)元、100萬(wàn)元和100萬(wàn)元以上，且最高不超過(guò)1000萬(wàn)元。例如，6座以下客車(chē)分為5萬(wàn)元、10萬(wàn)元、20萬(wàn)元、50萬(wàn)元、100萬(wàn)元及100萬(wàn)元以上不超過(guò)1000萬(wàn)元等檔次，供投保人和保險(xiǎn)人在投保時(shí)自行協(xié)商選擇確定。2)主車(chē)與掛車(chē)連接時(shí)發(fā)生保險(xiǎn)事故，保險(xiǎn)人在主車(chē)的責(zé)任限額內(nèi)承擔(dān)賠償責(zé)任。發(fā)生保險(xiǎn)事故時(shí)，掛車(chē)引起的賠償責(zé)任視同主車(chē)引起的賠償責(zé)任。保險(xiǎn)人對(duì)掛車(chē)賠償責(zé)任與主車(chē)賠償責(zé)任所負(fù)賠償金額之和，以主車(chē)賠償限額為限。注意掛車(chē)投保后與主車(chē)視為一體，是指主車(chē)和掛車(chē)都必須投保了第三者責(zé)任險(xiǎn)，而且是主車(chē)拖帶掛車(chē)。無(wú)論賠償責(zé)任是否是由掛車(chē)引起的，均視同是由主車(chē)引起的，保險(xiǎn)人第三者責(zé)任險(xiǎn)的總賠償責(zé)任以主車(chē)賠償限額為限。主車(chē)、掛車(chē)在不同保險(xiǎn)公司投保的，發(fā)生保險(xiǎn)事故后，被保險(xiǎn)人應(yīng)向承保主車(chē)的保險(xiǎn)公司索賠，還應(yīng)提供主車(chē)、掛車(chē)各自的保險(xiǎn)單。兩家保險(xiǎn)公司按照所收取的保險(xiǎn)單上載明的第三者責(zé)任險(xiǎn)保險(xiǎn)費(fèi)比例分?jǐn)傎r償?！觥吨腥A人民共和國(guó)保險(xiǎn)法》相關(guān)規(guī)定第六十五條保險(xiǎn)人對(duì)責(zé)任保險(xiǎn)的被保險(xiǎn)人給第三者造成的損害，可以依照法律的規(guī)定或者合同的約定，直接向該第三者賠償保險(xiǎn)金。責(zé)任保險(xiǎn)的被保險(xiǎn)人給第三者造成損害，被保險(xiǎn)人對(duì)第三者應(yīng)負(fù)的賠償責(zé)任確定的，根據(jù)被保險(xiǎn)人的請(qǐng)求，保險(xiǎn)人應(yīng)當(dāng)直接向該第三者賠償保險(xiǎn)金。被保險(xiǎn)人怠于請(qǐng)求的，第三者有權(quán)就其應(yīng)獲賠償部分直接向保險(xiǎn)人請(qǐng)求賠償保險(xiǎn)金。責(zé)任保險(xiǎn)的被保險(xiǎn)人給第三者造成損害，被保險(xiǎn)人未向該第三者賠償?shù)模ｋU(xiǎn)人不得向被保險(xiǎn)人賠償保險(xiǎn)金。責(zé)任保險(xiǎn)是指以被保險(xiǎn)人對(duì)第三者依法應(yīng)負(fù)的賠償責(zé)任為保險(xiǎn)標(biāo)的的保險(xiǎn)?！龅谌哓?zé)任險(xiǎn)的賠償保險(xiǎn)事故發(fā)生后，保險(xiǎn)人按照《道路交通事故處理辦法》規(guī)定的賠償范圍、項(xiàng)目和標(biāo)準(zhǔn)以及保險(xiǎn)合同的約定在保險(xiǎn)單載明的責(zé)任限額內(nèi)核定賠償金額。未經(jīng)保險(xiǎn)人書(shū)面同意，被保險(xiǎn)人自行承諾或支付的賠償金額，保險(xiǎn)人有權(quán)重新核定。不屬于保險(xiǎn)人賠償范圍或超出保險(xiǎn)人應(yīng)賠償金額的，保險(xiǎn)人不承擔(dān)賠償責(zé)任。第三者責(zé)任險(xiǎn)的賠償依據(jù)和賠償標(biāo)準(zhǔn)：(1)保險(xiǎn)車(chē)輛發(fā)生第三者責(zé)任事故時(shí)，應(yīng)當(dāng)依據(jù)我國(guó)現(xiàn)行《道路交通事故處理辦法》規(guī)定的賠償范圍、項(xiàng)目和標(biāo)準(zhǔn)以及保險(xiǎn)合同的規(guī)定處理。(2)根據(jù)保險(xiǎn)單載明的責(zé)任限額核定賠償金額。①當(dāng)被保險(xiǎn)人按事故責(zé)任比例應(yīng)負(fù)的賠償金額超過(guò)責(zé)任限額時(shí)：賠款=責(zé)任限額×(1-免賠率)②當(dāng)被保險(xiǎn)人按事故責(zé)任比例應(yīng)負(fù)的賠償金額低于責(zé)任限額時(shí)：賠款=應(yīng)負(fù)賠償金額×(1-免賠率)(3)自行承諾或支付的賠償金額：指不符合《道路交通事故處理辦法》規(guī)定的賠償范圍、項(xiàng)目和標(biāo)準(zhǔn)以及保險(xiǎn)合同的規(guī)定，且事先未征得保險(xiǎn)人同意，被保險(xiǎn)人擅自同意承擔(dān)或支付的賠款。一次性賠償原則賠款金額經(jīng)保險(xiǎn)人與被保險(xiǎn)人協(xié)商確定后，對(duì)被保險(xiǎn)人追加的索賠請(qǐng)求，保險(xiǎn)人不承擔(dān)賠償責(zé)任。汽車(chē)第三者責(zé)任險(xiǎn)應(yīng)遵循一次性賠償結(jié)案的原則，保險(xiǎn)人對(duì)第三者責(zé)任險(xiǎn)保險(xiǎn)事故賠償結(jié)案后，對(duì)被保險(xiǎn)人追加受害人的任何賠償費(fèi)用不再負(fù)責(zé)。保險(xiǎn)的連續(xù)責(zé)任被保險(xiǎn)人獲得賠償后，保險(xiǎn)合同繼續(xù)有效，直至保險(xiǎn)期限屆滿。第三者責(zé)任險(xiǎn)的保險(xiǎn)責(zé)任為連續(xù)責(zé)任。保險(xiǎn)車(chē)輛發(fā)生第三者責(zé)任保險(xiǎn)事故，保險(xiǎn)人賠償后，無(wú)論每次事故是否達(dá)到保險(xiǎn)責(zé)任限額，在保險(xiǎn)期限內(nèi)，第三者責(zé)任險(xiǎn)的保險(xiǎn)責(zé)任仍然有效，直至保險(xiǎn)期滿。免賠率的規(guī)定根據(jù)保險(xiǎn)車(chē)輛駕駛?cè)藛T在事故中所負(fù)責(zé)任，保險(xiǎn)人在保險(xiǎn)單載明的責(zé)任限額內(nèi)，按下列免賠率免賠：(1)負(fù)全部責(zé)任的免賠率為20%，負(fù)主要責(zé)任的免賠率為15%，負(fù)同等責(zé)任的免賠率為10%，負(fù)次要責(zé)任的免賠率為5%。(2)違反安全裝載規(guī)定的，增加免賠率10%?！鼋粡?qiáng)險(xiǎn)與商業(yè)三責(zé)險(xiǎn)的區(qū)別一、賠償原則不同：根據(jù)《道路交通安全法》的規(guī)定，對(duì)機(jī)動(dòng)車(chē)發(fā)生交通事故造成人身傷亡、財(cái)產(chǎn)損失的，由保險(xiǎn)公司在交強(qiáng)險(xiǎn)責(zé)任限額范圍內(nèi)予以賠償。而商業(yè)三責(zé)險(xiǎn)中，保險(xiǎn)公司是根據(jù)投保人或被保險(xiǎn)人在交通事故中應(yīng)負(fù)的責(zé)任來(lái)確定賠償責(zé)任。二、保障范圍不同：除了《條例》規(guī)定的個(gè)別事項(xiàng)外，交強(qiáng)險(xiǎn)的賠償范圍幾乎涵蓋了所有道路交通責(zé)任風(fēng)險(xiǎn)。而商業(yè)三責(zé)險(xiǎn)中，保險(xiǎn)公司不同程度地規(guī)定有免賠額、免賠率或責(zé)任免除事項(xiàng)。三、具有強(qiáng)制性：根據(jù)《條例》規(guī)定，機(jī)動(dòng)車(chē)的所有人或管理人都應(yīng)當(dāng)投保交強(qiáng)險(xiǎn)，同時(shí)，保險(xiǎn)公司不能拒絕承保、不得拖延承保和不得隨意解除合同。四、根據(jù)《條例》規(guī)定：交強(qiáng)險(xiǎn)實(shí)行全國(guó)統(tǒng)一的保險(xiǎn)條款和基礎(chǔ)費(fèi)率，保監(jiān)會(huì)按照交強(qiáng)險(xiǎn)業(yè)務(wù)總體上“不盈利不虧損”的原則審批費(fèi)率。五、交強(qiáng)險(xiǎn)實(shí)行分項(xiàng)責(zé)任限額。六、第三者責(zé)任險(xiǎn)在交強(qiáng)險(xiǎn)賠償后予以補(bǔ)充賠償。七、第三者責(zé)任險(xiǎn)并不區(qū)分責(zé)任限額</p><p>擴(kuò)展閱讀：【保險(xiǎn)】怎么買(mǎi)，哪個(gè)好，手把手教你避開(kāi)保險(xiǎn)的這些"坑"</p></div> 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title="在淘寶店買(mǎi)了12盒小米，商家說(shuō)已發(fā)貨，但實(shí)際只收到1盒，第二天又收到兩盒，這個(gè)過(guò)程中我多次詢(xún)問(wèn)是否發(fā)貨，是否能到，他都說(shuō)可以，在最后告訴我還沒(méi)有發(fā)貨，導(dǎo)致客戶到了之后未能發(fā)貨，我不得不重新購(gòu)買(mǎi)，由于給公司造成了不好的影響我的兩次購(gòu)買(mǎi)公司不予報(bào)銷(xiāo)，且本月績(jī)效扣除，商家不予任何賠償，這種行為我是否可以起訴他，">在淘寶店買(mǎi)了12盒小米，商家說(shuō)已發(fā)貨，但實(shí)際只收到1盒，第二天又收到兩盒，這個(gè)過(guò)程中我多次詢(xún)問(wèn)是否發(fā)貨，是否能到，他都說(shuō)可以，在最后告訴我還沒(méi)有發(fā)貨，導(dǎo)致客戶到了之后未能發(fā)貨，我不得不重新購(gòu)買(mǎi)，由于給公司造成了不好的影響我的兩次購(gòu)買(mǎi)公司不予報(bào)銷(xiāo)，且本月績(jī)效扣除，商家不予任何賠償，這種行為我是否可以起訴他，</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=286897"></script> <div>2024-10-11 16:50</div> </div> </div> <div id="h8vwpehz5e3o" class="show"> <div id="h8vwpehz5e3o" class="tu"><img src="https://oss.dalvlaw.com/UploadFile/defimg/laws/jtsg/43.jpg" alt=""></div> <div id="h8vwpehz5e3o" 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title="我妹妹坐朋友親戚的車(chē)，車(chē)是停車(chē)狀態(tài)，我妹妹開(kāi)車(chē)門(mén)，車(chē)的后視鏡沒(méi)有開(kāi)，這時(shí)候從后面行駛過(guò)來(lái)一輛車(chē)，就發(fā)生了碰撞，車(chē)門(mén)受損，交警判定我們?nèi)?zé)，我想問(wèn)下，現(xiàn)在車(chē)主和我妹妹的責(zé)任怎么劃分，車(chē)主也走了保險(xiǎn)，但是保險(xiǎn)之外的錢(qián)都讓我們負(fù)責(zé)，這合理嗎">我妹妹坐朋友親戚的車(chē)，車(chē)是停車(chē)狀態(tài)，我妹妹開(kāi)車(chē)門(mén)，車(chē)的后視鏡沒(méi)有開(kāi)，這時(shí)候從后面行駛過(guò)來(lái)一輛車(chē)，就發(fā)生了碰撞，車(chē)門(mén)受損，交警判定我們?nèi)?zé)，我想問(wèn)下，現(xiàn)在車(chē)主和我妹妹的責(zé)任怎么劃分，車(chē)主也走了保險(xiǎn)，但是保險(xiǎn)之外的錢(qián)都讓我們負(fù)責(zé)，這合理嗎</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=286884"></script> <div>2024-10-11 12:50</div> </div> </div> <div id="h8vwpehz5e3o" class="show"> <div id="h8vwpehz5e3o" class="tu"><img src="https://oss.dalvlaw.com/UploadFile/defimg/laws/jtsg/5.jpg" alt=""></div> <div id="h8vwpehz5e3o" 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