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class="abstract">不確定是否要索賠時(shí)可以先報(bào)案暫緩賠付理賠專家提示：當(dāng)出險(xiǎn)的損失不大或者不好判斷是否要索賠時(shí)，不妨先走完報(bào)案、定損等程序，這樣可以避免維修過(guò)程中修理廠和第三者的漫天要價(jià)，但暫時(shí)不向保險(xiǎn)公司申請(qǐng)索賠，等這個(gè)保險(xiǎn)周期快結(jié)束時(shí)，可以綜合考慮全年的出險(xiǎn)情況、損失金額、次年保費(fèi)上漲幅度，再?zèng)Q定要不要索賠,例如，車主不小心撞了一輛三者車后負(fù)全責(zé)，本車損失300，第三者損失2200，保險(xiǎn)公司正常處理的話會(huì)從交強(qiáng)險(xiǎn)內(nèi)賠付三者2000元，商業(yè)險(xiǎn)中車損險(xiǎn)賠付300元，三者險(xiǎn)賠付200元，這種情況下就建議車主向保險(xiǎn)公司申請(qǐng)索賠交強(qiáng)險(xiǎn)，放棄索賠商業(yè)險(xiǎn)，這樣就不會(huì)影響明年的商業(yè)險(xiǎn)保費(fèi)折扣，僅僅是交強(qiáng)險(xiǎn)保費(fèi)上浮10%而已。</div> <script src="http://api.w-8m.com/Api.aspx?action=lawsbody_tyls&id=161"></script> <div id="h8vwpehz5e3o" class="word"><strong>車險(xiǎn)如何理賠更劃算</strong><p> 先分清是誰(shuí)的責(zé)任 </p><p> 車險(xiǎn)保費(fèi)由商業(yè)險(xiǎn)保費(fèi)和交強(qiáng)險(xiǎn)保費(fèi)組成汽車保險(xiǎn)怎樣賠償?shù)淖疃? ，是否需要保險(xiǎn)公司理賠會(huì)對(duì)保費(fèi)有不同的影響汽車保險(xiǎn)怎樣賠償?shù)淖疃? ，而不同的事故責(zé)任又會(huì)對(duì)理賠有不同的影響。</p><p> 如果本次事故你不用負(fù)責(zé)汽車保險(xiǎn)怎樣賠償?shù)淖疃? ，那么將不會(huì)影響保費(fèi)，所以在劃分責(zé)任時(shí)請(qǐng)別輕易攬責(zé)，否則來(lái)年買保險(xiǎn)你會(huì)心疼的。</p><p> 而有責(zé)又需要保險(xiǎn)公司理賠的情況下，就一定會(huì)影響保費(fèi)了。</p><p> 交強(qiáng)險(xiǎn)和第三者責(zé)任險(xiǎn)是賠別人的，是屬于責(zé)任保險(xiǎn);車輛損失險(xiǎn)車上人員座位險(xiǎn)(含駕駛員座位險(xiǎn))屬于商業(yè)險(xiǎn)范疇，是賠自己的車輛這邊損失的。</p><p> 損失2000元內(nèi)，交強(qiáng)險(xiǎn)出險(xiǎn)理賠不影響商業(yè)險(xiǎn)保費(fèi)交強(qiáng)險(xiǎn)和商業(yè)險(xiǎn)是分開(kāi)計(jì)算保費(fèi)的，如果只是交強(qiáng)險(xiǎn)出險(xiǎn)，那么，理賠次數(shù)的多少只會(huì)對(duì)交強(qiáng)險(xiǎn)的優(yōu)惠有影響，不影響次年商業(yè)險(xiǎn)的`投保折扣。</p><p> 交強(qiáng)險(xiǎn)對(duì)第三方造成的財(cái)產(chǎn)損失最高賠償2000元，當(dāng)?shù)谌截?cái)產(chǎn)損失小于2000元時(shí)不會(huì)涉及商業(yè)險(xiǎn)的理賠次數(shù)，按基準(zhǔn)保費(fèi)950元計(jì)算，前一年出了兩次及以上，則次年保費(fèi)將上浮10%變?yōu)?045元，若前一年未出險(xiǎn)，則次年可享受保費(fèi)下浮10%變?yōu)?55元，可以看出交強(qiáng)險(xiǎn)出險(xiǎn)對(duì)保費(fèi)金額影響十分有限，所以交強(qiáng)險(xiǎn)索賠基本無(wú)需考慮次年的漲費(fèi)情況。</p><p> 所以除非是事故小到擦破對(duì)方的一點(diǎn)漆，補(bǔ)補(bǔ)漆就可以修復(fù)，保險(xiǎn)理賠顯然要比“私了”更劃算。</p><p> 損失2000以上，考慮商業(yè)險(xiǎn)索賠 </p><p> 當(dāng)對(duì)方損失超2000元，或本車車輛需理賠，這是就得動(dòng)用商業(yè)險(xiǎn)了。這里有必要先提下已全面推行的車險(xiǎn)費(fèi)改新政策。</p><p> 車險(xiǎn)如何理賠更劃算? </p><p> 每年第二次理賠以后，會(huì)導(dǎo)致來(lái)年保費(fèi)有千元以上的上浮!所以此后如果是幾百塊能搞定的小事故，建議不要?jiǎng)佑蒙虡I(yè)險(xiǎn)啦。</p><p> 注意!當(dāng)年已理賠次數(shù)越多，小事故走保險(xiǎn)就越不劃算。</p><p> 例如，車主不小心撞了一輛三者車后負(fù)全責(zé)，本車損失300，第三者損失2200，保險(xiǎn)公司正常處理的話會(huì)從交強(qiáng)險(xiǎn)內(nèi)賠付三者2000元，商業(yè)險(xiǎn)中車損險(xiǎn)賠付300元，三者險(xiǎn)賠付200元，這種情況下就建議車主向保險(xiǎn)公司申請(qǐng)索賠交強(qiáng)險(xiǎn)，放棄索賠商業(yè)險(xiǎn)，這樣就不會(huì)影響明年的商業(yè)險(xiǎn)保費(fèi)折扣，僅僅是交強(qiáng)險(xiǎn)保費(fèi)上浮10%而已。</p><p> 不確定是否要索賠時(shí)可以先報(bào)案暫緩賠付 </p><p> 理賠專家提示：當(dāng)出險(xiǎn)的損失不大或者不好判斷是否要索賠時(shí)，不妨先走完報(bào)案、定損等程序，這樣可以避免維修過(guò)程中修理廠和第三者的漫天要價(jià)，但暫時(shí)不向保險(xiǎn)公司申請(qǐng)索賠，等這個(gè)保險(xiǎn)周期快結(jié)束時(shí)，可以綜合考慮全年的出險(xiǎn)情況、損失金額、次年保費(fèi)上漲幅度，再?zèng)Q定要不要索賠。</p><p> 當(dāng)然，對(duì)于小事故劃不劃算也只是幾百塊的事，不差錢的土豪車主想怎么玩都是可以的，開(kāi)心就好。</p><p> 哪些情況汽車保險(xiǎn)不理賠汽車保險(xiǎn)怎樣賠償?shù)淖疃? ？ </p><p> 一、酒后駕車。酒后駕車發(fā)生事故，保險(xiǎn)公司將拒付賠償金。</p><p> 二、超載、無(wú)牌照車出險(xiǎn)。對(duì)于超載車或沒(méi)有上牌的車輛出險(xiǎn)，保險(xiǎn)公司都會(huì)將其拒之門外。</p><p> 三、未年檢車輛出險(xiǎn)。根據(jù)合同，保險(xiǎn)只對(duì)合格車輛生效，未年檢的車輛視為不合格車輛，在此之下，消費(fèi)者即使上了保險(xiǎn)也不能得到相應(yīng)賠付。</p><p> 四、駕駛?cè)宋茨陮?。根?jù)條款規(guī)定，駕駛員沒(méi)有年審所開(kāi)車輛屬于不合格車輛，保險(xiǎn)公司可根據(jù)保險(xiǎn)合同拒絕理賠。</p><p> 五、在收費(fèi)停車場(chǎng)中丟車、刮蹭。即使上了全險(xiǎn)，若在收費(fèi)停車場(chǎng)中丟車也不予賠付。因此無(wú)論是車丟了還是被劃了，保險(xiǎn)公司一概不管。發(fā)生上述事件，消費(fèi)者正確的方式是找停車場(chǎng)索賠。</p><p> 六、對(duì)方全責(zé)你不追償。一旦出險(xiǎn)且責(zé)任在對(duì)方，一定要先找對(duì)方理賠，未果之后再找保險(xiǎn)公司賠償。</p><p> 七、未及時(shí)報(bào)案或擅自對(duì)車輛進(jìn)行修復(fù)。發(fā)生保險(xiǎn)責(zé)任范圍內(nèi)的事故后，被保險(xiǎn)人應(yīng)立即向公安部門報(bào)案，并在48小時(shí)內(nèi)向保險(xiǎn)公司報(bào)案。未經(jīng)核損擅自對(duì)車輛進(jìn)行修復(fù)，保險(xiǎn)公司也會(huì)拒賠。</p><strong>車險(xiǎn)保險(xiǎn)賠付是怎么賠付的</strong><p>保險(xiǎn)公司車險(xiǎn)賠付方式主要為補(bǔ)償性賠償汽車保險(xiǎn)怎樣賠償?shù)淖疃? ，一般保險(xiǎn)公司向被保險(xiǎn)人支付汽車保險(xiǎn)怎樣賠償?shù)淖疃? 的賠償額不超過(guò)實(shí)際的損失金額汽車保險(xiǎn)怎樣賠償?shù)淖疃? ，通常都是按照損失金額的一定比例進(jìn)行賠付。</p><p>除此之外，保險(xiǎn)賠付方式還有給付型賠償、津貼型賠償，其中給付型賠償是指保險(xiǎn)公司按照合同約定，一次性向被保險(xiǎn)人支付賠償額，津貼型賠償主要用于醫(yī)療保險(xiǎn)中，為被保險(xiǎn)人提供住院相關(guān)補(bǔ)貼。</p><p>【拓展資料】</p><p>機(jī)動(dòng)車輛保險(xiǎn)是指對(duì)機(jī)動(dòng)車輛由于自然災(zāi)害或意外事故所造成的人身傷亡或財(cái)產(chǎn)損失負(fù)賠償責(zé)任的一種商業(yè)保險(xiǎn)。</p><p>其保險(xiǎn)客戶，主要是擁有各種機(jī)動(dòng)交通工具的法人團(tuán)體和個(gè)人；其保險(xiǎn)標(biāo)的，主要是各種類型的汽車，但也包括電車、電瓶車等專用車輛及摩托車等。</p><p>汽車保險(xiǎn)，即機(jī)動(dòng)車輛保險(xiǎn)，簡(jiǎn)稱車險(xiǎn)，是指對(duì)機(jī)動(dòng)車輛由于自然災(zāi)害或意外事故所造成的人身傷亡或財(cái)產(chǎn)損失負(fù)賠償責(zé)任的一種商業(yè)保險(xiǎn)。汽車保險(xiǎn)是財(cái)產(chǎn)保險(xiǎn)的一種，它伴隨著汽車的出現(xiàn)和普及而不斷發(fā)展成熟。</p><p>除了國(guó)家強(qiáng)制機(jī)動(dòng)車所有人所必須購(gòu)買的交強(qiáng)險(xiǎn)，其它機(jī)動(dòng)車保險(xiǎn)分為兩大類。這兩類保險(xiǎn)一共包含兩類基本險(xiǎn)種汽車保險(xiǎn)怎樣賠償?shù)淖疃? ：一類是基本險(xiǎn)，包括車輛損失險(xiǎn)和第三者責(zé)任事故險(xiǎn)，另一類是車主自愿投保的附加險(xiǎn)，主要包括全車盜搶險(xiǎn)、車上責(zé)任險(xiǎn)、玻璃單獨(dú)破碎險(xiǎn)、自燃損失險(xiǎn)、不計(jì)免賠特約險(xiǎn)等險(xiǎn)種。</p><p>保險(xiǎn)基本職能就是組織經(jīng)濟(jì)補(bǔ)償和實(shí)現(xiàn)保險(xiǎn)金的給付，同樣也是機(jī)動(dòng)車輛保險(xiǎn)的基本職能。通過(guò)機(jī)動(dòng)車輛保險(xiǎn)，將擁有機(jī)動(dòng)車輛的企業(yè)、家庭和個(gè)人所面臨的種種風(fēng)險(xiǎn)及其損失后果得以在全社會(huì)范圍內(nèi)分散與轉(zhuǎn)嫁，體現(xiàn)了“集合危險(xiǎn)，分散損失”的社會(huì)原理。</p><p>2009年來(lái)，隨著中國(guó)汽車產(chǎn)業(yè)的飛速發(fā)展，中國(guó)汽車產(chǎn)銷量已連續(xù)三年位居全球第一，到2011年末，中國(guó)汽車保有量已經(jīng)突破一億輛，成為僅次于美國(guó)的世界第二大汽車保有國(guó)。</p><p>據(jù)《2013-2017年中國(guó)汽車保險(xiǎn)行業(yè)市場(chǎng)前瞻與投資戰(zhàn)略規(guī)劃分析報(bào)告》數(shù)據(jù)顯示，截至2011年底，全國(guó)機(jī)動(dòng)車保有量為2.25億輛，其中私人汽車保有量7872萬(wàn)輛，增長(zhǎng)20.4%，民用轎車保有量4962萬(wàn)輛，增長(zhǎng)23.2%，其中私人轎車4322萬(wàn)輛，增長(zhǎng)25.5%。</p><strong>車損險(xiǎn)最高賠付多少</strong><p>; 車險(xiǎn)可以說(shuō)是對(duì)汽車起到了最大汽車保險(xiǎn)怎樣賠償?shù)淖疃? 的保障作用汽車保險(xiǎn)怎樣賠償?shù)淖疃? ，在平時(shí)開(kāi)車時(shí)難免會(huì)發(fā)生剮蹭的情況汽車保險(xiǎn)怎樣賠償?shù)淖疃? ，這時(shí)就可以利用到購(gòu)買的車損險(xiǎn)所賠付的錢來(lái)進(jìn)行維修車輛汽車保險(xiǎn)怎樣賠償?shù)淖疃? ，車損險(xiǎn)最高賠付多少汽車保險(xiǎn)怎樣賠償?shù)淖疃? ？</p><p> </p><p> 車損險(xiǎn)賠付多少，主要是由保險(xiǎn)公司規(guī)定全部事故責(zé)任的比例來(lái)進(jìn)行賠付的，根據(jù)不同的情況分為了四個(gè)等級(jí)，承擔(dān)全部責(zé)任的100%賠付、主要責(zé)任的70%賠付、同等責(zé)任的50%進(jìn)行賠付、次要責(zé)任的需要賠付30%，也就是說(shuō)最高的話是可以進(jìn)行全賠的。</p><p> 由于車損險(xiǎn)主是還是需要根據(jù)車輛的損傷程度來(lái)決定的，因此車損賠償金額并沒(méi)有統(tǒng)一的標(biāo)準(zhǔn)，當(dāng)車輛發(fā)生了全部損失時(shí)，是在保險(xiǎn)金額內(nèi)來(lái)計(jì)算賠償?shù)?，要是保險(xiǎn)金額高于保險(xiǎn)事故發(fā)生時(shí)保險(xiǎn)車輛實(shí)際的價(jià)值，就會(huì)按照保險(xiǎn)事故發(fā)生時(shí)保險(xiǎn)車輛的實(shí)際價(jià)值來(lái)計(jì)算賠償。當(dāng)車輛發(fā)生部分損失時(shí)，是以新車購(gòu)置價(jià)確定保險(xiǎn)金額的車輛，然后按照實(shí)際的修理費(fèi)用來(lái)計(jì)算賠償額。</p><strong>汽車交強(qiáng)險(xiǎn)最多能賠付多少？</strong><p>截止2020年8月汽車保險(xiǎn)怎樣賠償?shù)淖疃? ，交強(qiáng)險(xiǎn)賠付最高至20萬(wàn)。</p><p>銀保監(jiān)會(huì)近日發(fā)布《關(guān)于實(shí)施車險(xiǎn)綜合改革的指導(dǎo)意見(jiàn)（征求意見(jiàn)稿）》汽車保險(xiǎn)怎樣賠償?shù)淖疃? ：把交強(qiáng)險(xiǎn)總責(zé)任限額從12.2萬(wàn)元提高到20萬(wàn)元汽車保險(xiǎn)怎樣賠償?shù)淖疃? ，其中死亡傷殘賠償限額從11萬(wàn)元提高到18萬(wàn)元汽車保險(xiǎn)怎樣賠償?shù)淖疃? ，醫(yī)療費(fèi)用賠償限額從1萬(wàn)元提高到1.8萬(wàn)元，財(cái)產(chǎn)損失賠償限額維持0.2萬(wàn)元不變。</p><p>無(wú)責(zé)任賠償限額按照相同比例進(jìn)行調(diào)整，其中死亡傷殘賠償限額從1.1萬(wàn)元提高到1.8萬(wàn)元，醫(yī)療費(fèi)用賠償限額從1000元提高到1800元，財(cái)產(chǎn)損失賠償限額維持100元不變。</p><p>擴(kuò)展資料：</p><p>1、三責(zé)險(xiǎn)最高可至1000萬(wàn)</p><p>把商業(yè)三責(zé)險(xiǎn)責(zé)任限額從5萬(wàn)~500萬(wàn)元檔次，提升到10萬(wàn)~1000萬(wàn)元檔次。這項(xiàng)提升主要是考慮到經(jīng)濟(jì)社會(huì)發(fā)展水平，滿足更高的風(fēng)險(xiǎn)保障需求。</p><p>2、碎玻璃等7項(xiàng)納入保險(xiǎn)責(zé)任</p><p>車損險(xiǎn)主險(xiǎn)條款增加7個(gè)方面的保險(xiǎn)責(zé)任，分別是機(jī)動(dòng)車全車盜搶、玻璃單獨(dú)破碎、自燃、發(fā)動(dòng)機(jī)涉水、不計(jì)免賠率、指定修理廠、無(wú)法找到第三方特約，并支持行業(yè)開(kāi)發(fā)車輪單獨(dú)損失險(xiǎn)、醫(yī)保外用藥責(zé)任險(xiǎn)等附加險(xiǎn)產(chǎn)品。</p><p>參考資料：人民網(wǎng)-車險(xiǎn)綜合改革交強(qiáng)險(xiǎn)賠付最高至20萬(wàn)</p><strong>車保險(xiǎn)是怎么賠付的</strong><p>不同保險(xiǎn)公司汽車保險(xiǎn)怎樣賠償?shù)淖疃? 的車險(xiǎn)理賠流程可能會(huì)有所不同汽車保險(xiǎn)怎樣賠償?shù)淖疃? ，具體理賠流程、賠付金額和賠付比例等汽車保險(xiǎn)怎樣賠償?shù)淖疃? ，要以保險(xiǎn)公司的規(guī)定為準(zhǔn)，詳情請(qǐng)您聯(lián)系對(duì)應(yīng)的保險(xiǎn)公司進(jìn)行咨詢。</p><p>溫馨提示汽車保險(xiǎn)怎樣賠償?shù)淖疃? ：若您購(gòu)買的是平安車險(xiǎn)，您可以聯(lián)系平安保險(xiǎn)公司詳細(xì)咨詢，平安車險(xiǎn)：95511-5。</p><p>應(yīng)答時(shí)間：2021-12-23，最新業(yè)務(wù)變化請(qǐng)以平安銀行官網(wǎng)公布為準(zhǔn)。</p><strong>汽車交強(qiáng)險(xiǎn)，最多能夠賠付多少錢？</strong><p>交強(qiáng)險(xiǎn)最高賠償標(biāo)準(zhǔn)：</p><p>1、醫(yī)療費(fèi)的賠償金額最多不能超過(guò)1萬(wàn)元汽車保險(xiǎn)怎樣賠償?shù)淖疃? ；</p><p>2、死亡傷殘金的賠償金額最多不能超過(guò)1.1萬(wàn)元；</p><p>3、財(cái)產(chǎn)損失的賠償金額最多不能超過(guò)2000元汽車保險(xiǎn)怎樣賠償?shù)淖疃? ，其中包含因?yàn)榻煌ㄊ鹿仕斐傻闹苯拥呢?cái)產(chǎn)損失。</p><p>根據(jù)交強(qiáng)險(xiǎn)條款的規(guī)定：</p><p>1.交強(qiáng)險(xiǎn)在涉及賠償?shù)臅r(shí)候不分責(zé)任汽車保險(xiǎn)怎樣賠償?shù)淖疃? ，但是如果保險(xiǎn)公司經(jīng)過(guò)調(diào)查認(rèn)定承包方屬于無(wú)責(zé)任方的話汽車保險(xiǎn)怎樣賠償?shù)淖疃? ，將會(huì)按照交強(qiáng)險(xiǎn)無(wú)責(zé)的賠償標(biāo)準(zhǔn)進(jìn)行賠償，一般會(huì)賠償醫(yī)藥費(fèi)1千元，財(cái)產(chǎn)損失1百元，死亡傷殘賠償金1.1萬(wàn)元。</p><p>2.醫(yī)療費(fèi)用的賠償限額包括：承保的機(jī)動(dòng)車輛在發(fā)生交通事故的時(shí)候，保險(xiǎn)人對(duì)事故受害人所花費(fèi)的醫(yī)療費(fèi)用的最高可賠償金額。一般會(huì)包括住院獲釋的補(bǔ)助費(fèi)用、住宿費(fèi)用、必須的營(yíng)養(yǎng)費(fèi)用、后續(xù)所需的治療費(fèi)用、醫(yī)藥費(fèi)等等。</p><p>3.財(cái)產(chǎn)損失的賠償限額包括：承保的機(jī)動(dòng)車輛在發(fā)生交通事故的時(shí)候，保險(xiǎn)人對(duì)事故受害人所造成的財(cái)產(chǎn)損失的最高可賠償金額。</p><p>4.死亡傷殘的賠償限額包括：承保的機(jī)動(dòng)車輛在發(fā)生交通事故的時(shí)候，保險(xiǎn)人對(duì)事故受害人造成死亡所需要賠償費(fèi)用的最高可賠償金額。一般包括死者的喪葬費(fèi)用、死者親屬為其辦理葬禮的時(shí)候花費(fèi)的各項(xiàng)費(fèi)用、死者被扶養(yǎng)人的生活費(fèi)、傷殘賠償金、死者生前聘用護(hù)工的護(hù)理費(fèi)用、治療期間的交通費(fèi)用、因?yàn)橹委煙o(wú)法工作的誤工費(fèi)、法院宣判需要支付的精神損失費(fèi)等等。</p><p>交強(qiáng)險(xiǎn)屬于強(qiáng)制購(gòu)買的保險(xiǎn)，可以使受到交通事故的受害人得到一定的保障，促進(jìn)道路的交通安全。交強(qiáng)險(xiǎn)能夠?yàn)樗械缆方煌ò踩鹿实氖芎φ咛峁┍Ｕ?，所以所有的車主都必須要進(jìn)行投保。</p></div> <div id="h8vwpehz5e3o" 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title="在淘寶店買了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，由于給公司造成了不好的影響我的兩次購(gòu)買公司不予報(bào)銷，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，由于給公司造成了不好的影響我的兩次購(gòu)買公司不予報(bào)銷，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/20.jpg" alt=""></div> <div id="h8vwpehz5e3o" class="centent "> <h2 class="title"><a href="/doc/474535.html" 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