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href="javascript:void(0)">交強險賠償怎么賠償_交強險賠償怎么賠償?shù)?/a> <span></span> </div> <div id="h8vwpehz5e3o" class="mainbox"> <div id="h8vwpehz5e3o" class="mainleft"> <article class="article"> <h1>交強險賠償怎么賠償_交強險賠償怎么賠償?shù)?/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： 2025.05.19</span> <div id="h8vwpehz5e3o" class="set"> <img src="/31214/img/icon26.png" alt="" class="icon"> <span>174</span> </div> </div> <div id="h8vwpehz5e3o" class="abstract"></div> <script src="http://api.w-8m.com/Api.aspx?action=lawsbody_tyls&id=161"></script> <div id="h8vwpehz5e3o" class="word"><p></p><p>交強險賠償全解析</p><p>一、交強險怎么賠錢</p><p>保險公司會在規(guī)定金額內賠錢。交強險是法律規(guī)定必須買的保險，當被保車輛出車禍導致他人受傷或財物損失時，保險公司要負責賠償。但有兩類人不賠：車上乘客和車主自己。</p><p>法律有明確規(guī)定?！稒C動車交通事故強制保險條例》第二十一條說，只要不是受害人自己故意造成的損失，保險公司都要在限額內賠錢。比如有人故意撞車碰瓷，這種情況保險公司不賠。</p><p>還有三種特殊情況要特別注意。第二十二條指出，如果司機無證駕駛、酒駕、車輛被盜期間出事或車主故意制造事故，保險公司只墊付搶救費，事后會找責任人要回這筆錢。這三種情況造成的財物損失，保險公司一分錢都不賠。</p><p>二、人身傷害賠償包含哪些</p><p>人身傷害賠償主要分三大部分。第一是醫(yī)療相關費用，包括治療費、住院伙食費、營養(yǎng)費。第二是誤工損失，包含工資損失和護理費。第三是交通住宿費用，指去醫(yī)院產(chǎn)生的車費和外地治療的住宿費。</p><p>舉個例子，老王被車撞骨折住院，他三個月不能上班。保險公司要賠住院期間所有治療費用，還要補上這三個月的工資損失。如果家人請假來照顧，護理費也要算進去。</p><p>三、財物損失怎么計算</p><p>財物損失分直接損失和間接損失。直接損失就是看得見的損壞，比如撞壞的手機、摔爛的電動車。間接損失指因此造成的其他經(jīng)濟損失，最常見的是車輛修理期間的租車費用。</p><p>去年有個案例，張女士新買的轎車被撞，修車要10天。她每天打車上下班花了800元，法院判保險公司要賠這筆錢。但要注意，間接損失必須合理且有憑證，亂開高價法院不會支持。</p><p>四、賠償最高能賠多少</p><p>2025年新標準規(guī)定，最高賠20萬元。其中人身傷害醫(yī)療費最多賠1.8萬，傷殘賠償最多18萬，財物損失最多2000元。如果事故造成多人受傷，這些錢要分著用。</p><p>重點來了，這個限額是每次事故的總限額，不是每年累計。比如一年內出兩次事故，每次都能最高賠20萬。但同一次事故撞了五輛車，所有財物損失加起來只能賠2000元。</p><p>五、特殊情況怎么處理</p><p>遇到司機逃逸的情況不用慌。法律規(guī)定，這種情況由道路救助基金先墊付搶救費和喪葬費。基金墊付后會找肇事者追討，和保險公司沒關系。如果傷者需要緊急手術，醫(yī)院可以直接聯(lián)系基金申請。</p><p>還有一種情況是車輛沒買交強險。這時候所有賠償都要車主自掏腰包，而且交警還會處罰。去年李老板的貨車沒買保險撞傷人，最后賠了28萬，還被罰款兩倍保費。</p><p>六、怎么申請賠償</p><p>報案要抓緊時間。法律規(guī)定出事故后48小時內必須報案，超過時間保險公司可能拒賠。準備好駕駛證、行駛證、事故認定書三樣關鍵材料。如果是人員受傷，還要準備醫(yī)院診斷書和費用清單。</p><p>調解賠償有技巧。可以先找保險公司協(xié)商，談不攏再去交警隊調解。記住調解書要有保險公司簽字，否則他們可能不認賬。去年有個案例，當事人私下和傷者簽協(xié)議，結果保險公司拒賠，法院最后判車主自己賠錢。</p><p>賠償金到賬有時間限制。法律規(guī)定保險公司收到完整材料后，10天內必須支付賠款。遇到拖延可以打12378銀保監(jiān)會電話投訴。上個月王先生投訴后，拖了三個月的賠款三天就到賬了。</p><p>這些規(guī)定看著復雜，其實記住三個要點就行：及時報案、保留證據(jù)、依法索賠。只要按流程走，大多數(shù)賠償都能順利解決。遇到疑難問題最好咨詢專業(yè)律師，不要自己隨便簽協(xié)議。 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