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<main class="main"> <div id="akj64r4mkxqq" class="cen"> <div id="akj64r4mkxqq" class="bread"> <a href="/">首頁(yè)</a><p>></p> <a href="javascript:void(0)">交強(qiáng)險(xiǎn)只賠別人不賠自己?jiǎn)?/a> <span></span> </div> <div id="akj64r4mkxqq" class="mainbox"> <div id="akj64r4mkxqq" class="mainleft"> <article class="article"> <h1>交強(qiáng)險(xiǎn)只賠別人不賠自己?jiǎn)?/h1> <div id="akj64r4mkxqq" class="lawmsg"> <img src="/31214/img/fls.png" alt="" class="face"> <a target="_blank">在線問(wèn)法</a> <span id="akj64r4mkxqq" class="time">時(shí)間： 2023.06.15</span> <div id="akj64r4mkxqq" class="set"> <img src="/31214/img/icon26.png" alt="" class="icon"> <span>902</span> </div> </div> <div id="akj64r4mkxqq" class="abstract">交強(qiáng)險(xiǎn)不能賠自己的車??????交強(qiáng)險(xiǎn)只能賠對(duì)方，投保的交強(qiáng)險(xiǎn)在發(fā)生交通事故后，造成人身傷亡、財(cái)產(chǎn)損失的，保險(xiǎn)公司會(huì)在交強(qiáng)險(xiǎn)責(zé)任限額范圍內(nèi)予以賠償,根據(jù)《機(jī)動(dòng)車交通事故責(zé)任強(qiáng)制保險(xiǎn)條例》第二十一條　被保險(xiǎn)機(jī)動(dòng)車發(fā)生道路交通事故造成本車人員、被保險(xiǎn)人以外的受害人人身傷亡、財(cái)產(chǎn)損失的，由保險(xiǎn)公司依法在機(jī)動(dòng)車交通事故責(zé)任強(qiáng)制保險(xiǎn)責(zé)任限額范圍內(nèi)予以賠償,醫(yī)療費(fèi)用賠償限額：是指被保險(xiǎn)機(jī)動(dòng)車發(fā)生交通事故，保險(xiǎn)人對(duì)每次保險(xiǎn)事故所有受害人的醫(yī)療費(fèi)用所承擔(dān)的最高賠償金額。</div> <script src="http://api.w-8m.com/Api.aspx?action=lawsbody_tyls&id=161"></script> <div id="akj64r4mkxqq" class="word"><strong>交強(qiáng)險(xiǎn)只賠對(duì)方嗎</strong><p>交強(qiáng)險(xiǎn)是指賠償給受害人不賠償給自己的第三方責(zé)任保險(xiǎn)。即在發(fā)生事故后賠償?shù)氖歉鶕?jù)責(zé)任劃分來(lái)賠償他人的損失交強(qiáng)險(xiǎn)只賠別人不賠自己?jiǎn)? ，如對(duì)方全責(zé)，則交強(qiáng)險(xiǎn)即不賠對(duì)方也不賠自己，而是由對(duì)方的保險(xiǎn)進(jìn)行賠償。</p><p>根據(jù)《機(jī)動(dòng)車交通事故責(zé)任強(qiáng)制保險(xiǎn)條例》第二十一條　被保險(xiǎn)機(jī)動(dòng)車發(fā)生道路交通事故造成本車人員、被保險(xiǎn)人以外的受害人人身傷亡、財(cái)產(chǎn)損失的，由保險(xiǎn)公司依法在機(jī)動(dòng)車交通事故責(zé)任強(qiáng)制保險(xiǎn)責(zé)任限額范圍內(nèi)予以賠償。道路交通事故的損失是由受害人故意造成的，保險(xiǎn)公司不予賠償。</p><p>拓展資料：</p><p>責(zé)任限額</p><p>滿足交通事故受害人基本保障需要。</p><p>與國(guó)民經(jīng)濟(jì)發(fā)展水平和消費(fèi)者支付能力相適應(yīng)。</p><p>參照交強(qiáng)險(xiǎn)只賠別人不賠自己?jiǎn)? 了國(guó)內(nèi)其他行業(yè)和一些地區(qū)賠償標(biāo)準(zhǔn)的有關(guān)規(guī)定。</p><p>機(jī)動(dòng)車交通事故責(zé)任強(qiáng)制保險(xiǎn)責(zé)任限額（2008年2月1日前）</p><p>機(jī)動(dòng)車在道路交通事故中有責(zé)任的賠償限額</p><p>死亡傷殘賠償限額：50，000元人民幣</p><p>醫(yī)療費(fèi)用賠償限額：8，000元人民幣</p><p>財(cái)產(chǎn)損失賠償限額：2，000元人民幣</p><p>機(jī)動(dòng)車在道路交通事故中無(wú)責(zé)任的賠償限額</p><p>死亡傷殘賠償限額：10，000元人民幣</p><p>醫(yī)療費(fèi)用賠償限額：1，600元人民幣</p><p>財(cái)產(chǎn)損失賠償限額：400元人民幣</p><p>機(jī)動(dòng)車交通事故責(zé)任強(qiáng)制保險(xiǎn)責(zé)任限額（2008年2月1日后） [3] </p><p>機(jī)動(dòng)車在道路交通事故中有責(zé)任的賠償限額</p><p>死亡傷殘賠償限額：110，000元人民幣</p><p>醫(yī)療費(fèi)用賠償限額：10，000元人民幣</p><p>財(cái)產(chǎn)損失賠償限額：2，000元人民幣</p><p>機(jī)動(dòng)車在道路交通事故中無(wú)責(zé)任的賠償限額</p><p>死亡傷殘賠償限額：11，000元人民幣</p><p>醫(yī)療費(fèi)用賠償限額：1，000元人民幣</p><p>財(cái)產(chǎn)損失賠償限額：100元人民幣</p><p>機(jī)動(dòng)車交通事故責(zé)任強(qiáng)制保險(xiǎn)責(zé)任限額（2020年9月19日后） [4] </p><p>機(jī)動(dòng)車在道路交通事故中有責(zé)任的賠償限額</p><p>死亡傷殘賠償限額：180，000元人民幣</p><p>醫(yī)療費(fèi)用賠償限額：18，000元人民幣</p><p>財(cái)產(chǎn)損失賠償限額：2，000元人民幣</p><p>機(jī)動(dòng)車在道路交通事故中無(wú)責(zé)任的賠償限額</p><p>死亡傷殘賠償限額：18，000元人民幣</p><p>醫(yī)療費(fèi)用賠償限額：1，800元人民幣</p><p>財(cái)產(chǎn)損失賠償限額：100元人民幣</p><p>死亡傷殘賠償限額：是指被保險(xiǎn)機(jī)動(dòng)車發(fā)生交通事故，保險(xiǎn)人對(duì)每次保險(xiǎn)事故所有受害人的死亡傷殘費(fèi)用所承擔(dān)的最高賠償金額。死亡傷殘費(fèi)用包括喪葬費(fèi)、死亡補(bǔ)償費(fèi)、受害人親屬辦理喪葬事宜支出的交通費(fèi)用、殘疾賠償金、殘疾輔助器具費(fèi)、護(hù)理費(fèi)、康復(fù)費(fèi)、交通費(fèi)、被撫養(yǎng)人生活費(fèi)、住宿費(fèi)、誤工費(fèi)，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。</p><p>醫(yī)療費(fèi)用賠償限額：是指被保險(xiǎn)機(jī)動(dòng)車發(fā)生交通事故，保險(xiǎn)人對(duì)每次保險(xiǎn)事故所有受害人的醫(yī)療費(fèi)用所承擔(dān)的最高賠償金額。醫(yī)療費(fèi)用包括醫(yī)藥費(fèi)、診療費(fèi)、住院費(fèi)、住院伙食補(bǔ)助費(fèi)，必要的、合理的后續(xù)治療費(fèi)、整容費(fèi)、營(yíng)養(yǎng)費(fèi)。</p><p>財(cái)產(chǎn)損失賠償限額：是指被保險(xiǎn)機(jī)動(dòng)車發(fā)生交通事故，保險(xiǎn)人對(duì)每次保險(xiǎn)事故所有受害人的財(cái)產(chǎn)損失承擔(dān)的最高賠償金額。</p><strong>交強(qiáng)險(xiǎn)可以賠自己的車嗎？交強(qiáng)險(xiǎn)只能賠對(duì)方嗎</strong><p>; 交強(qiáng)險(xiǎn)是國(guó)家強(qiáng)制要求購(gòu)買的險(xiǎn)種交強(qiáng)險(xiǎn)只賠別人不賠自己?jiǎn)? ，其目的是為了保障行人的安全以及為車主減輕負(fù)擔(dān)。但是很多人只知道要買交強(qiáng)險(xiǎn)交強(qiáng)險(xiǎn)只賠別人不賠自己?jiǎn)? ，卻不知道什么情況下才能獲賠交強(qiáng)險(xiǎn)，究竟</p><p> 交強(qiáng)險(xiǎn)可以賠自己的車嗎?</p><p>交強(qiáng)險(xiǎn)不能賠自己的車</p><p> 交強(qiáng)險(xiǎn)只能賠對(duì)方，投保的交強(qiáng)險(xiǎn)在發(fā)生交通事故后，造成人身傷亡、財(cái)產(chǎn)損失的，保險(xiǎn)公司會(huì)在交強(qiáng)險(xiǎn)責(zé)任限額范圍內(nèi)予以賠償。簡(jiǎn)單來(lái)說(shuō)，交強(qiáng)險(xiǎn)是保“第三者”的，不可以賠自己的車。</p><p> 其實(shí)交強(qiáng)險(xiǎn)和商業(yè)險(xiǎn)中的三者險(xiǎn)一樣，都是賠償?shù)谌?，不能賠償自己的損失。不過(guò)兩者最大的區(qū)別便是交強(qiáng)險(xiǎn)是國(guó)家強(qiáng)制性購(gòu)買的，不買不可以上路，而商業(yè)險(xiǎn)可自由選擇購(gòu)買。</p><p>交強(qiáng)險(xiǎn)賠償標(biāo)準(zhǔn)</p><p> 交強(qiáng)險(xiǎn)責(zé)任限額:交強(qiáng)險(xiǎn)分有責(zé)和無(wú)責(zé)</p><p> 新交強(qiáng)險(xiǎn)責(zé)任限額方案</p><p> 事故類型</p><p> 賠償限額</p><p> 機(jī)動(dòng)車在道路交通事故中</p><p> 有責(zé)任</p><p> 的賠償限額</p><p> 死亡傷殘</p><p> 18萬(wàn)</p><p> 元</p><p> 醫(yī)療費(fèi)用</p><p> 萬(wàn)元</p><p> 財(cái)產(chǎn)損失</p><p> 萬(wàn)元</p><p> 機(jī)動(dòng)車在道路交通事故中</p><p> 無(wú)責(zé)任</p><p> 的賠償限額</p><p> 死亡傷殘</p><p> 萬(wàn)元</p><p> 醫(yī)療費(fèi)用</p><p> 1800元</p><p> 財(cái)產(chǎn)損失</p><p> 100元</p><p> 所以從上述表格中大家可以看到，新規(guī)對(duì)賠付金額進(jìn)行了大幅度的提升，把交強(qiáng)險(xiǎn)總責(zé)任限額從萬(wàn)元提高到20萬(wàn)元，其中死亡傷殘賠償限額從11萬(wàn)元提高到18萬(wàn)元，醫(yī)療費(fèi)用賠償限額從1萬(wàn)元提高到萬(wàn)元，財(cái)產(chǎn)損失賠償限額維持萬(wàn)元不變。</p><p> 但即使提高了賠付金額，面對(duì)動(dòng)輒幾十萬(wàn)的交通事故也只不過(guò)是杯水車薪，所以</p><p> 建議大家再投保部分必要的商業(yè)險(xiǎn)，例如三者險(xiǎn)、車損險(xiǎn)等等。車主可根據(jù)自身需求來(lái)選擇不同檔次責(zé)任限額的商業(yè)險(xiǎn)，這樣便能夠讓事故中的雙方都能得到更好的保障。</p><p>以下情況，保險(xiǎn)公司可以不負(fù)責(zé)墊付和賠償</p><p> 1 駕駛?cè)宋慈〉民{駛資格的;</p><p> 2 駕駛?cè)俗砭频?</p><p> 3 被保險(xiǎn)機(jī)動(dòng)車被盜搶期間肇事的;</p><p> 4 被保險(xiǎn)人故意制造交通事故的;</p><p> 5 因受害人故意造成的交通事故的損失;</p><p> 6 被保險(xiǎn)人所有的財(cái)產(chǎn)及被保險(xiǎn)機(jī)動(dòng)車上的財(cái)產(chǎn)遭受的損失;</p><p> 7 被保險(xiǎn)機(jī)動(dòng)車發(fā)生交通事故，致使受害人停業(yè)、停駛、停電、停水、停氣、停產(chǎn)、通訊或者網(wǎng)絡(luò)中斷、數(shù)據(jù)丟失、電壓變化等造成的損失以及受害人財(cái)產(chǎn)因市場(chǎng)價(jià)格變動(dòng)造成的貶值、修理后因價(jià)值降低造成的損失等其他各種間接損失;</p><p> 8 因交通事故產(chǎn)生的仲裁或者訴訟費(fèi)用以及其他相關(guān)費(fèi)用。</p><strong>交強(qiáng)險(xiǎn)是賠付對(duì)方的還是自己的</strong><p>交強(qiáng)險(xiǎn)是賠付對(duì)方。</p><p>交強(qiáng)險(xiǎn)是只能賠對(duì)方的，本車人員和被保險(xiǎn)人都不可以要求賠償，只有其他受害人可以要求賠償。</p><p>《機(jī)動(dòng)車交通事故責(zé)任強(qiáng)制保險(xiǎn)條例》第二十一條規(guī)定交強(qiáng)險(xiǎn)只賠別人不賠自己?jiǎn)? ：”被保險(xiǎn)機(jī)動(dòng)車發(fā)生道路交通事故造成本車人員、被保險(xiǎn)人以外的受害人人身傷亡、財(cái)產(chǎn)損失的，由保險(xiǎn)公司依法在機(jī)動(dòng)車交通事故責(zé)任強(qiáng)制保險(xiǎn)責(zé)任限額范圍內(nèi)予以賠償。道路交通事故的損失是由受害人故意造成的，保險(xiǎn)公司不予賠償。“</p><p>第二十七條規(guī)定：”被保險(xiǎn)機(jī)動(dòng)車發(fā)生道路交通事故，被保險(xiǎn)人或者受害人通知保險(xiǎn)公司的，保險(xiǎn)公司應(yīng)當(dāng)立即給予答復(fù)，告知被保險(xiǎn)人或者受害人具體的賠償程序等有關(guān)事項(xiàng)?！?/p><p>第二十八條規(guī)定：”被保險(xiǎn)機(jī)動(dòng)車發(fā)生道路交通事故的，由被保險(xiǎn)人向保險(xiǎn)公司申請(qǐng)賠償保險(xiǎn)金。保險(xiǎn)公司應(yīng)當(dāng)自收到賠償申請(qǐng)之日起1日內(nèi)，書面告知被保險(xiǎn)人需要向保險(xiǎn)公司提供的與賠償有關(guān)的證明和資料?！?/p><p>第二十九條規(guī)定：”保險(xiǎn)公司應(yīng)當(dāng)自收到被保險(xiǎn)人提供的證明和資料之日起5日內(nèi)，對(duì)是否屬于保險(xiǎn)責(zé)任作出核定，并將結(jié)果通知被保險(xiǎn)人交強(qiáng)險(xiǎn)只賠別人不賠自己?jiǎn)? ；對(duì)不屬于保險(xiǎn)責(zé)任的，應(yīng)當(dāng)書面說(shuō)明理由；對(duì)屬于保險(xiǎn)責(zé)任的，在與被保險(xiǎn)人達(dá)成賠償保險(xiǎn)金的協(xié)議后10日內(nèi)，賠償保險(xiǎn)金?！?/p></div> <div id="akj64r4mkxqq" 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