交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)?/title> <meta name="description" content="《道路交通安全法》第七十六條還規(guī)定交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)偅簷C(jī)動(dòng)車發(fā)生交通事故造成人身傷亡、財(cái)產(chǎn)損失的，由保險(xiǎn)公司在機(jī)動(dòng)車第三者責(zé)任強(qiáng)制保險(xiǎn)責(zé)任限額范圍內(nèi)予以賠償交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)?交強(qiáng)險(xiǎn)交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)偟馁r償比例一般是要結(jié)合當(dāng)事人在事故中需要承擔(dān)的責(zé)任確定的,交強(qiáng)險(xiǎn)賠償后，不足部分，才按責(zé)任比例分?jǐn)?單方責(zé)任:完全責(zé)任方承擔(dān)非責(zé)任方的損失交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)偅斐扇松韨?1000人交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)?，?cái)產(chǎn)損失2000元交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)?，死亡傷?10000人，非責(zé)任方賠償由完全責(zé)任方承擔(dān)。" /> <meta name="keywords" content="比例,分?jǐn)?財(cái)產(chǎn)" /> <link rel="stylesheet" href="/31214/css/rest.css"> <link rel="stylesheet" href="/31214/css/swiper.min.css"> <link rel="stylesheet" href="/31214/css/header.css"> <link rel="stylesheet" href="/31214/css/foot.css"> <link rel="stylesheet" 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class="time">時(shí)間： 2024.02.29</span> <div id="h8vwpehz5e3o" class="set"> <img src="/31214/img/icon26.png" alt="" class="icon"> <span>225</span> </div> </div> <div id="h8vwpehz5e3o" class="abstract">《道路交通安全法》第七十六條還規(guī)定交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)偅簷C(jī)動(dòng)車發(fā)生交通事故造成人身傷亡、財(cái)產(chǎn)損失的，由保險(xiǎn)公司在機(jī)動(dòng)車第三者責(zé)任強(qiáng)制保險(xiǎn)責(zé)任限額范圍內(nèi)予以賠償交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)?交強(qiáng)險(xiǎn)交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)偟馁r償比例一般是要結(jié)合當(dāng)事人在事故中需要承擔(dān)的責(zé)任確定的,交強(qiáng)險(xiǎn)賠償后，不足部分，才按責(zé)任比例分?jǐn)?單方責(zé)任:完全責(zé)任方承擔(dān)非責(zé)任方的損失交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)偅斐扇松韨?1000人交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)?，?cái)產(chǎn)損失2000元交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)?，死亡傷?10000人，非責(zé)任方賠償由完全責(zé)任方承擔(dān)。</div> <script src="http://api.w-8m.com/Api.aspx?action=lawsbody_tyls&id=161"></script> <div id="h8vwpehz5e3o" class="word"><strong>交強(qiáng)險(xiǎn)按比例分擔(dān)什么意思</strong><p>交強(qiáng)險(xiǎn)按比例分擔(dān)意思是交強(qiáng)險(xiǎn)按責(zé)任比例賠付。</p><p>道路交通安全法第七十六條規(guī)定交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)? ，在交強(qiáng)險(xiǎn)責(zé)任限額范圍內(nèi)全額賠償交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)? ，超出交強(qiáng)險(xiǎn)責(zé)任限額范圍交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)? 的部分，按比例賠償。具體比例一般各省出臺(tái)的地方性法規(guī)中會(huì)予以明確。例如《天津市道路交通安全管理若干規(guī)定》第四十七條就規(guī)定，機(jī)動(dòng)車與非機(jī)動(dòng)車發(fā)生交通事故，機(jī)動(dòng)車承擔(dān)主要責(zé)任應(yīng)承擔(dān)80%的賠償責(zé)任。</p><p>《道路交通安全法》第七十六條還規(guī)定交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)? ：機(jī)動(dòng)車發(fā)生交通事故造成人身傷亡、財(cái)產(chǎn)損失的，由保險(xiǎn)公司在機(jī)動(dòng)車第三者責(zé)任強(qiáng)制保險(xiǎn)責(zé)任限額范圍內(nèi)予以賠償交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)? ；不足的部分，按照下列規(guī)定承擔(dān)賠償責(zé)任：根據(jù)法律規(guī)定，交強(qiáng)險(xiǎn)范圍內(nèi)，只分有責(zé)與無責(zé)，不分主次責(zé)任。交強(qiáng)險(xiǎn)賠償后，不足部分，才按責(zé)任比例分?jǐn)偂?/p><p>交強(qiáng)險(xiǎn)，是發(fā)生交通事故后，需要承擔(dān)一定比例的過錯(cuò)責(zé)任的駕駛者一方賠償后，由保險(xiǎn)公司根據(jù)保險(xiǎn)合同約定的理賠比例，返還這個(gè)比例數(shù)額的錢款給這一方車輛的駕駛者。</p><p>如果交通事故的雙方都有因?yàn)橐曳揭欢ㄟ^錯(cuò)造成對(duì)方傷害（指：經(jīng)濟(jì)上的損失），那么，雙方都需要按過錯(cuò)比例互相賠償對(duì)方的損失，然后由各自當(dāng)初買強(qiáng)制險(xiǎn)的保險(xiǎn)公司，按自己賠償?shù)臄?shù)額，按原來保險(xiǎn)合同約定的理賠比例來報(bào)銷自己所賠償?shù)馁M(fèi)用。</p><strong>交強(qiáng)險(xiǎn)責(zé)任劃分怎么賠償</strong><p>1.交通保險(xiǎn)的責(zé)任劃分如何賠償交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)? ？</p><p> 單方責(zé)任:完全責(zé)任方承擔(dān)非責(zé)任方的損失交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)? ，造成人身傷害11000人交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)? ，財(cái)產(chǎn)損失2000元交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)? ，死亡傷殘110000人，非責(zé)任方賠償由完全責(zé)任方承擔(dān)；雙方均有責(zé)任(主次，平等):不論責(zé)任大小，只要賠償項(xiàng)目有責(zé)任，就構(gòu)成交強(qiáng)險(xiǎn)責(zé)任，傷害11000，財(cái)產(chǎn)2000元，死亡傷殘110000。</p><p> 比如車險(xiǎn)承擔(dān)同樣的責(zé)任:雙方損失各不到2000元，雙方以各自的事故責(zé)任向保險(xiǎn)公司索賠自己的車輛損失。</p><p> 如果雙方自己或自行車損失2000以上，2000以內(nèi)的損失自行賠償，超過2000的部分按事故責(zé)任比例分?jǐn)?主要責(zé)任70%，次要責(zé)任30%，共同責(zé)任50%)，超出部分由商業(yè)保險(xiǎn)賠付。</p><p> 二、車險(xiǎn)事故同等責(zé)任保險(xiǎn)理賠流程</p><p> 涉及同等責(zé)任的賠償，交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)? 你和對(duì)方需準(zhǔn)備好所有材料一式兩份，包括修理發(fā)票(復(fù)印件加蓋財(cái)務(wù)章)、修理結(jié)算清單、行駛證、行駛證復(fù)印件、保險(xiǎn)單復(fù)印件、身份證、掛失單、事故證明等。</p><p> 你和對(duì)方都在找自己的保險(xiǎn)公司處理理賠。具體按條款賠償。即扣除交通保險(xiǎn)賠償4000元后，按責(zé)任比例分?jǐn)偂?/p><p> 假設(shè)你買了交強(qiáng)險(xiǎn)、車損險(xiǎn)、第三者責(zé)任險(xiǎn)，沒有免賠額保險(xiǎn)，你可以得到賠償:2000(20000 30000-4000)* 50% = 25000元。</p><p> 在進(jìn)行理賠時(shí)，涉及到商業(yè)保險(xiǎn)的賠償，會(huì)比較復(fù)雜。但是以下面的方式。這些類型的商業(yè)保險(xiǎn)與你的責(zé)任有關(guān)。分為完全責(zé)任、主要責(zé)任、共同責(zé)任、次要責(zé)任和無責(zé)任。</p><p> 比如保險(xiǎn)公司要賠付你10萬元，那么保險(xiǎn)公司會(huì)根據(jù)你在事故中的責(zé)任少賠20%到5%。然后根據(jù)責(zé)任大小確定少賠金額。責(zé)任越大，賠償越少。</p><p> 一旦發(fā)生事故，雖然保險(xiǎn)公司負(fù)責(zé)賠償，但需要根據(jù)責(zé)任劃分。如果是你全責(zé)，那么你的保險(xiǎn)公司會(huì)在限額內(nèi)賠償金額，剩下的你需要自己承擔(dān)。但是，如果是對(duì)方全責(zé)，那么你的保險(xiǎn)公司不需要承擔(dān)任何賠償，只需要等待賠償即可。</p><strong>交強(qiáng)險(xiǎn)承擔(dān)賠償責(zé)任比例是多少</strong><p>交強(qiáng)險(xiǎn) 承擔(dān)賠償責(zé)任比例是多少?交強(qiáng)險(xiǎn)交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)? 的賠償比例一般是要結(jié)合當(dāng)事人在事故中需要承擔(dān)的責(zé)任確定的。 (一)、機(jī)動(dòng)車之間發(fā)生交通事故交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)? ，造成人身傷亡和的交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)? ，按下列原則對(duì)當(dāng)事各方的總損失進(jìn)行調(diào)解交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)? ：1、當(dāng)事人負(fù)全部原因責(zé)任的交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)? ，承擔(dān)100%的賠償責(zé)任;2、當(dāng)事人負(fù)主要原因責(zé)任的，承擔(dān)70%的賠償責(zé)任;3、當(dāng)事人負(fù)同等原因責(zé)任的，承擔(dān)50%的賠償責(zé)任;4、當(dāng)事人負(fù)次要原因責(zé)任的，承擔(dān)30%的賠償責(zé)任。機(jī)動(dòng)車與非機(jī)動(dòng)車、行人之間發(fā)生交通事故，造成人身傷亡、財(cái)產(chǎn)損失的，由保險(xiǎn)公司在機(jī)動(dòng)車第三者強(qiáng)制責(zé)任保險(xiǎn)(以下簡(jiǎn)稱第三者保險(xiǎn) )限額內(nèi)予以賠償。超過第三者保險(xiǎn)限額的部分，由承擔(dān)全部原因責(zé)任的機(jī)動(dòng)車一方承擔(dān)總損失100%的賠償責(zé)任。</p><strong>交強(qiáng)險(xiǎn)各項(xiàng)賠償比例為多少</strong><p>(一)基本計(jì)算公式</p><p>保險(xiǎn)人在交強(qiáng)險(xiǎn)各分項(xiàng)賠償限額內(nèi)交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)? ，對(duì)受害人死亡傷殘費(fèi)用、醫(yī)療費(fèi)用、財(cái)產(chǎn)損失分別計(jì)算賠償：</p><p>1.總賠款=各分項(xiàng)損失賠款=死亡傷殘費(fèi)用賠款+醫(yī)療費(fèi)用賠款+財(cái)產(chǎn)損失賠款</p><p>2.各分項(xiàng)損失賠款=各分項(xiàng)核定損失承擔(dān)金額，即：</p><p>死亡傷殘費(fèi)用賠款=死亡傷殘費(fèi)用核定承擔(dān)金額</p><p>醫(yī)療費(fèi)用賠款=醫(yī)療費(fèi)用核定承擔(dān)金額</p><p>財(cái)產(chǎn)損失賠款=財(cái)產(chǎn)損失核定承擔(dān)金額</p><p>3.各分項(xiàng)核定損失承擔(dān)金額超過交強(qiáng)險(xiǎn)各分項(xiàng)賠償限額交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)? 的，各分項(xiàng)損失賠款等于交強(qiáng)險(xiǎn)各分項(xiàng)賠償限額。</p><p>注：“受害人”為被保險(xiǎn)機(jī)動(dòng)車的受害人，不包括被保險(xiǎn)機(jī)動(dòng)車本車車上人員、被保險(xiǎn)人，下同。</p><p>(二)當(dāng)保險(xiǎn)事故涉及多個(gè)受害人時(shí)</p><p>1.基本計(jì)算公式中的相應(yīng)項(xiàng)目表示為：</p><p>各分項(xiàng)損失賠款=∑各受害人各分項(xiàng)核定損失承擔(dān)金額，即：</p><p>死亡傷殘費(fèi)用賠款=∑各受害人死亡傷殘費(fèi)用核定承擔(dān)金額</p><p>醫(yī)療費(fèi)用賠款=∑各受害人醫(yī)療費(fèi)用核定承擔(dān)金額</p><p>財(cái)產(chǎn)損失賠款=∑各受害人財(cái)產(chǎn)損失核定承擔(dān)金額</p><p>2.各受害人各分項(xiàng)核定損失承擔(dān)金額之和超過被保險(xiǎn)機(jī)動(dòng)車交強(qiáng)險(xiǎn)相應(yīng)分項(xiàng)賠償限額的，各分項(xiàng)損失賠款等于交強(qiáng)險(xiǎn)各分項(xiàng)賠償限額。</p><p>3.各受害人各分項(xiàng)核定損失承擔(dān)金額之和超過被保險(xiǎn)機(jī)動(dòng)車交強(qiáng)險(xiǎn)相應(yīng)分項(xiàng)賠償限額的，各受害人在被保險(xiǎn)機(jī)動(dòng)車交強(qiáng)險(xiǎn)分項(xiàng)賠償限額內(nèi)應(yīng)得到的賠償為：</p><p>被保險(xiǎn)機(jī)動(dòng)車交強(qiáng)險(xiǎn)對(duì)某一受害人分項(xiàng)損失的賠償金額=交強(qiáng)險(xiǎn)分項(xiàng)賠償限額×[事故中某一受害人的分項(xiàng)核定損失承擔(dān)金額/(∑各受害人分項(xiàng)核定損失承擔(dān)金額)]。</p><p>(三)當(dāng)保險(xiǎn)事故涉及多輛肇事機(jī)動(dòng)車時(shí)</p><p>1.各被保險(xiǎn)機(jī)動(dòng)車的保險(xiǎn)人分別在各自的交強(qiáng)險(xiǎn)各分項(xiàng)賠償限額內(nèi)，對(duì)受害人的分項(xiàng)損失計(jì)算賠償。</p><p>2.各方機(jī)動(dòng)車按其適用的交強(qiáng)險(xiǎn)分項(xiàng)賠償限額占總分項(xiàng)賠償限額的比例，對(duì)受害人的各分項(xiàng)損失進(jìn)行分?jǐn)偂?/p><p>某分項(xiàng)核定損失承擔(dān)金額=該分項(xiàng)損失金額×[適用的交強(qiáng)險(xiǎn)該分項(xiàng)賠償限額/(∑各致害方交強(qiáng)險(xiǎn)該分項(xiàng)賠償限額)]</p><p>注：①肇事機(jī)動(dòng)車中的無責(zé)任車輛，不參與對(duì)其他無責(zé)車輛和車外財(cái)產(chǎn)損失的賠償計(jì)算，僅參與對(duì)有責(zé)方車輛損失或車外人員傷亡損失的賠償計(jì)算。</p><p>②無責(zé)方車輛對(duì)有責(zé)方車輛損失應(yīng)承擔(dān)的賠償金額，由有責(zé)方在本方交強(qiáng)險(xiǎn)無責(zé)任財(cái)產(chǎn)損失賠償限額項(xiàng)下代賠。</p><p>一方全責(zé)，一方無責(zé)的，無責(zé)方對(duì)全責(zé)方車輛損失應(yīng)承擔(dān)的賠償金額為全責(zé)方車輛損失，以交強(qiáng)險(xiǎn)無責(zé)任財(cái)產(chǎn)損失賠償限額為限。</p><p>一方全責(zé)，多方無責(zé)的，無責(zé)方對(duì)全責(zé)方車輛損失應(yīng)承擔(dān)的賠償金額為全責(zé)方車輛損失，以各無責(zé)方交強(qiáng)險(xiǎn)無責(zé)任財(cái)產(chǎn)損失賠償限額之和為限。</p><p>多方有責(zé)，一方無責(zé)的，無責(zé)方對(duì)各有責(zé)方車輛損失應(yīng)承擔(dān)的賠償金額以交強(qiáng)險(xiǎn)無責(zé)任財(cái)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(duì)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(qiáng)險(xiǎn)無責(zé)任財(cái)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>③肇事機(jī)動(dòng)車中應(yīng)投保而未投保交強(qiáng)險(xiǎn)的車輛，視同投保機(jī)動(dòng)車參與計(jì)算。</p><p>④對(duì)于相關(guān)部門最終未進(jìn)行責(zé)任認(rèn)定的事故，統(tǒng)一適用有責(zé)任限額計(jì)算。</p><p>3.肇事機(jī)動(dòng)車均有責(zé)任且適用同一限額的，簡(jiǎn)化為各方機(jī)動(dòng)車對(duì)受害人的各分項(xiàng)損失進(jìn)行平均分?jǐn)偅?/p><p>(1)對(duì)于受害人的機(jī)動(dòng)車、機(jī)動(dòng)車上人員、機(jī)動(dòng)車上財(cái)產(chǎn)損失：</p><p>某分項(xiàng)核定損失承擔(dān)金額=受害人的該分項(xiàng)損失金額÷(N-1)</p><p>(2)對(duì)于受害人的非機(jī)動(dòng)車、非機(jī)動(dòng)車上人員、行人、機(jī)動(dòng)車外財(cái)產(chǎn)損失：</p><p>某分項(xiàng)核定損失承擔(dān)金額=受害人的該分項(xiàng)損失金額÷N</p><p>注：①N為事故中所有肇事機(jī)動(dòng)車的輛數(shù)。</p><p>②肇事機(jī)動(dòng)車中應(yīng)投保而未投保交強(qiáng)險(xiǎn)的車輛，視同投保機(jī)動(dòng)車參與計(jì)算。</p><p>4.初次計(jì)算后，如果有致害方交強(qiáng)險(xiǎn)限額未賠足，同時(shí)有受害方損失沒有得到充分補(bǔ)償，則對(duì)受害方的損失在交強(qiáng)險(xiǎn)剩余限額內(nèi)再次進(jìn)行分配，在交強(qiáng)險(xiǎn)限額內(nèi)補(bǔ)足。對(duì)于待分配的各項(xiàng)損失合計(jì)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(xiàng)分配金額占各項(xiàng)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(qiáng)險(xiǎn)無剩余限額。</p><p>(四)受害人財(cái)產(chǎn)損失需要施救的，財(cái)產(chǎn)損失賠款與施救費(fèi)累計(jì)不超過財(cái)產(chǎn)損失賠償限額。</p><p>(五)主車和掛車在連接使用時(shí)發(fā)生交通事故，主車與掛車的交強(qiáng)險(xiǎn)保險(xiǎn)人分別在各自的責(zé)任限額內(nèi)承擔(dān)賠償責(zé)任。</p><p>若交通管理部門未確定主車、掛車應(yīng)承擔(dān)的賠償責(zé)任，主車、掛車的保險(xiǎn)人對(duì)各受害人的各分項(xiàng)損失平均分?jǐn)?，并在?duì)應(yīng)的分項(xiàng)賠償限額內(nèi)計(jì)算賠償。</p><p>主車與掛車由不同被保險(xiǎn)人投保的，在連接使用時(shí)發(fā)生交通事故，按互為三者的原則處理。</p><p>(六)被保險(xiǎn)機(jī)動(dòng)車投保一份以上交強(qiáng)險(xiǎn)的，保險(xiǎn)期間起期在前的保險(xiǎn)合同承擔(dān)賠償責(zé)任，起期在后的不承擔(dān)賠償責(zé)任。</p><p>(七)對(duì)被保險(xiǎn)人依照法院判決或者調(diào)解承擔(dān)的精神損害撫慰金，原則上在其他賠償項(xiàng)目足額賠償后，在死亡傷殘賠償限額內(nèi)賠償。</p><p>(八)死亡傷殘費(fèi)用和醫(yī)療費(fèi)用的核定標(biāo)準(zhǔn)</p><p>按照《最高人民法院〈關(guān)于審理人身損害賠償案件適用法律若干問題的解釋〉》規(guī)定的賠償范圍、項(xiàng)目和標(biāo)準(zhǔn)，公安部頒布的《道路交通事故受傷人員傷殘?jiān)u定》(GB18667-2002)，以及交通事故人員創(chuàng)傷臨床診療指南和交通事故發(fā)生地的基本醫(yī)療標(biāo)準(zhǔn)核定人身傷亡的賠償金額。</p><p>擴(kuò)展閱讀：【保險(xiǎn)】怎么買，哪個(gè)好，手把手教你避開保險(xiǎn)的這些"坑"</p><strong>交強(qiáng)險(xiǎn)按責(zé)任比例賠付</strong><p>道路交通安全法第七十六條規(guī)定交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)? ，在交強(qiáng)險(xiǎn)責(zé)任限額范圍內(nèi)全額賠償，超出交強(qiáng)險(xiǎn)責(zé)任限額范圍的部分，按比例賠償。具體比例一般各省出臺(tái)的地方性法規(guī)中會(huì)予以明確。例如《天津市道路交通安全管理若干規(guī)定》第四十七條就規(guī)定，機(jī)動(dòng)車與非機(jī)動(dòng)車發(fā)生交通事故，機(jī)動(dòng)車承擔(dān)主要責(zé)任應(yīng)承擔(dān)80%的賠償責(zé)任。</p><p>《道路交通安全法》第七十六條還規(guī)定交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)? ：機(jī)動(dòng)車發(fā)生交通事故造成人身傷亡、財(cái)產(chǎn)損失的，由保險(xiǎn)公司在機(jī)動(dòng)車第三者責(zé)任強(qiáng)制保險(xiǎn)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：根據(jù)法律規(guī)定，交強(qiáng)險(xiǎn)范圍內(nèi)，只分有責(zé)與無責(zé)，不分主次責(zé)任。交強(qiáng)險(xiǎn)賠償后，不足部分，才按責(zé)任比例分?jǐn)偂?/p><p>交強(qiáng)險(xiǎn)，是發(fā)生交通事故后，需要承擔(dān)一定比例的過錯(cuò)責(zé)任的駕駛者一方賠償后，由保險(xiǎn)公司根據(jù)保險(xiǎn)合同約定的理賠比例，返還這個(gè)比例數(shù)額的錢款給這一方車輛的駕駛者。</p><p>如果交通事故的雙方都有因?yàn)橐曳揭欢ㄟ^錯(cuò)造成對(duì)方傷害（指：經(jīng)濟(jì)上的損失），那么，雙方都需要按過錯(cuò)比例互相賠償對(duì)方的損失，然后由各自當(dāng)初買強(qiáng)制險(xiǎn)的保險(xiǎn)公司，按自己賠償?shù)臄?shù)額，按原來保險(xiǎn)合同約定的理賠比例來報(bào)銷自己所賠償?shù)馁M(fèi)用。</p><p>擴(kuò)展閱讀：【保險(xiǎn)】怎么買，哪個(gè)好，手把手教你避開保險(xiǎn)的這些"坑"</p><strong>交強(qiáng)險(xiǎn) 責(zé)任比例賠付</strong><p>道路交通安全法第七十六條規(guī)定交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)? ，在交強(qiáng)險(xiǎn)責(zé)任限額范圍內(nèi)全額賠償交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)? ，超出交強(qiáng)險(xiǎn)責(zé)任限額范圍的部分，按比例賠償。具體比例一般各省出臺(tái)的地方性法規(guī)中會(huì)予以明確。例如《天津市道路交通安全管理若干規(guī)定》第四十七條就規(guī)定，機(jī)動(dòng)車與非機(jī)動(dòng)車發(fā)生交通事故，機(jī)動(dòng)車承擔(dān)主要責(zé)任應(yīng)承擔(dān)80%的賠償責(zé)任。</p><p>《道路交通安全法》第七十六條還規(guī)定交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)? ：機(jī)動(dòng)車發(fā)生交通事故造成人身傷亡、財(cái)產(chǎn)損失的，由保險(xiǎn)公司在機(jī)動(dòng)車第三者責(zé)任強(qiáng)制保險(xiǎn)責(zé)任限額范圍內(nèi)予以賠償交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)? ；不足的部分，按照下列規(guī)定承擔(dān)賠償責(zé)任：根據(jù)法律規(guī)定，交強(qiáng)險(xiǎn)范圍內(nèi)，只分有責(zé)與無責(zé)，不分主次責(zé)任。交強(qiáng)險(xiǎn)賠償后，不足部分，才按責(zé)任比例分?jǐn)偂?/p><p>交強(qiáng)險(xiǎn)，是發(fā)生交通事故后，需要承擔(dān)一定比例的過錯(cuò)責(zé)任的駕駛者一方賠償后，由保險(xiǎn)公司根據(jù)保險(xiǎn)合同約定的理賠比例，返還這個(gè)比例數(shù)額的錢款給這一方車輛的駕駛者。</p><p>如果交通事故的雙方都有因?yàn)橐曳揭欢ㄟ^錯(cuò)造成對(duì)方傷害（指：經(jīng)濟(jì)上的損失），那么，雙方都需要按過錯(cuò)比例互相賠償對(duì)方的損失，然后由各自當(dāng)初買強(qiáng)制險(xiǎn)的保險(xiǎn)公司，按自己賠償?shù)臄?shù)額，按原來保險(xiǎn)合同約定的理賠比例來報(bào)銷自己所賠償?shù)馁M(fèi)用。</p><p>擴(kuò)展閱讀：【保險(xiǎn)】怎么買，哪個(gè)好，手把手教交強(qiáng)險(xiǎn)財(cái)產(chǎn)部分比例分?jǐn)? 你避開保險(xiǎn)的這些"坑"</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(xué)習(xí)之目的。若有來源標(biāo)注錯(cuò)誤或侵犯了您的合法權(quán)益，請(qǐng)作者持權(quán)屬證明于本網(wǎng)聯(lián)系，我們將予以及時(shí)更正或刪除。</div> <div id="h8vwpehz5e3o" class="readed"> <h6>延伸閱讀</h6> <ul class="read"> <li><a href="/doc/298137.html" target="_self" title="放火嫌疑人拒絕不承認(rèn)">放火嫌疑人拒絕不承認(rèn)</a></li> <li><a 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