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class="main"> <div id="akj64r4mkxqq" class="cen"> <div id="akj64r4mkxqq" class="bread"> <a href="/">首頁</a><p>></p> <a href="javascript:void(0)">事故對保險公司賠償?shù)母?/a> <span></span> </div> <div id="akj64r4mkxqq" class="mainbox"> <div id="akj64r4mkxqq" class="mainleft"> <article class="article"> <h1>事故對保險公司賠償?shù)母?/h1> <div id="akj64r4mkxqq" class="lawmsg"> <img src="/31214/img/fls.png" alt="" class="face"> <a target="_blank">在線問法</a> <span id="akj64r4mkxqq" class="time">時間： 2023.06.26</span> <div id="akj64r4mkxqq" class="set"> <img src="/31214/img/icon26.png" alt="" class="icon"> <span>306</span> </div> </div> <div id="akj64r4mkxqq" class="abstract">交通事故保險公司賠償標(biāo)準(zhǔn)是什么，交通事故保險公司賠償標(biāo)準(zhǔn)是什么根據(jù)該條法律規(guī)定事故對保險公司賠償?shù)母撸?交通事故保險公司賠償標(biāo)準(zhǔn)具體如下： 1、死亡賠償金根據(jù)《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事故對保險公司賠償?shù)母叩慕忉尅返诙艞l規(guī)定的死亡賠償金按照受訴法院所在地上一年度城鎮(zhèn)居民可支配收入或者農(nóng)村居民人均純收入標(biāo)準(zhǔn)事故對保險公司賠償?shù)母撸炊暧嬎?(就診、轉(zhuǎn)診、購費、購輔助殘具、參加喪葬) 3、住宿費外地就醫(yī)、配置殘疾輔助器具、傷殘、死亡親屬參加交通事故處理、辦理喪葬事宜等費用住宿費=國家機(jī)關(guān)一般人員出差住宿標(biāo)準(zhǔn)*住宿天數(shù)(40元/天) 4、醫(yī)療費根據(jù)《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》第十九條規(guī)定，醫(yī)療費根據(jù)醫(yī)療機(jī)構(gòu)出具的醫(yī)藥費、住院費等收款憑證，結(jié)合病歷和診斷證明等相關(guān)證據(jù)確定。</div> <script src="http://api.w-8m.com/Api.aspx?action=lawsbody_tyls&id=161"></script> <div id="akj64r4mkxqq" class="word"><strong>交通事故保險賠償金額最高能達(dá)到多少？</strong><p>一、交通事故保險理賠在最大的程度能取得多少交通事故賠償的項目包括：醫(yī)療費、誤工費、住院伙食補助費、護(hù)理費、殘疾者生活補助費、殘疾用具費、喪葬費、死亡補償費、被扶養(yǎng)人生活費、交通費、住宿費和財產(chǎn)直接損失。前款規(guī)定的賠償項目應(yīng)當(dāng)按照實際情況確定事故對保險公司賠償?shù)母? ，并一次性結(jié)算費用。理賠多少誰肇事方與受害方誰說事故對保險公司賠償?shù)母? 了都不算事故對保險公司賠償?shù)母? ，取決于當(dāng)初肇事方投保的車輛險種及保險金額等。數(shù)額方面雙方可以一起去保險公司初步計算一下。如果肇事方已與受害方達(dá)成事故對保險公司賠償?shù)母? 了方案事故對保險公司賠償?shù)母? ，那么建議在以后簽訂的正式和解協(xié)議里，可以加上兩條：一、由肇事方出具書面委托書，將全部的保險賠償款項直接支付到受害方的指定賬戶上。二、進(jìn)入保險理賠程序后，肇事方應(yīng)全力辦理(否則可以追究其違約責(zé)任)，受害方予以全力配合。這樣方能最大程度保護(hù)受害方的權(quán)益。二、交通事故理賠的步驟和程序 1、“事故雙方自行報案”處理程序以及相關(guān)手續(xù)：在道路上發(fā)生交通事故，未造成人身傷亡，當(dāng)事人雙方對事實及成因無爭議的，按照以下步驟處理： (1)撤出事故現(xiàn)場，迅速恢復(fù)交通; (2)由責(zé)任方通知保險公司進(jìn)行定損; (3)雙方寫明事故經(jīng)過; (4)事故雙方帶上駕駛證、行駛證、保險公司定損單及其復(fù)印件，共同前往交警分局事故大隊處理; (5)交警部門對事故進(jìn)行核實后，由事故責(zé)任方賠償損失。 2、交警快速處理交通事故的程序以及相關(guān)手續(xù)：在道路上發(fā)生交通事故，當(dāng)事人對交通事故事實及成因有爭議的，按照以下步驟處理： (1)迅速報警，交警進(jìn)行現(xiàn)場勘查后，當(dāng)場做出事故認(rèn)定，撤出事故現(xiàn)場，恢復(fù)交通; (2)由責(zé)任方通知保險公司做出車輛損失鑒定; (3)雙方共同前往交警分局事故大隊，并提供駕駛證、行駛證、定損單的原件及其復(fù)印件，寫出事故經(jīng)過; (4)由責(zé)任方賠償損失，無責(zé)方將事故維修費用發(fā)票交給責(zé)任方; (5)無責(zé)方離去，交警部門依據(jù)《道路交通安全法》對責(zé)任方造成事故的違法事實做出處罰; (6)交警部門對責(zé)任方出具有效憑證，責(zé)任方依據(jù)該憑證找保險公司理賠。</p><strong>交通事故保險公司賠償標(biāo)準(zhǔn)是什么，交通事故保險公司賠償標(biāo)準(zhǔn)是什么</strong><p>根據(jù)該條法律規(guī)定事故對保險公司賠償?shù)母? ，交通事故保險公司賠償標(biāo)準(zhǔn)具體如下： 1、死亡賠償金根據(jù)《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事故對保險公司賠償?shù)母? 的解釋》第二十九條規(guī)定的死亡賠償金按照受訴法院所在地上一年度城鎮(zhèn)居民可支配收入或者農(nóng)村居民人均純收入標(biāo)準(zhǔn)事故對保險公司賠償?shù)母? ，按二十年計算。但六十周歲以上的事故對保險公司賠償?shù)母? ，年齡每增加一歲減少一年;七十五周歲以上的事故對保險公司賠償?shù)母? ，按五年計算。 2、交通費根據(jù)《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》第二十三條規(guī)定：“交通費根據(jù)受害人及其必要的陪護(hù)人員因就醫(yī)或者轉(zhuǎn)院治療實際發(fā)生的費用計算。交通費應(yīng)當(dāng)以正式票據(jù)為憑;有關(guān)憑據(jù)應(yīng)當(dāng)與就醫(yī)地點、時間、人數(shù)、次數(shù)相符合。(就診、轉(zhuǎn)診、購費、購輔助殘具、參加喪葬) 3、住宿費外地就醫(yī)、配置殘疾輔助器具、傷殘、死亡親屬參加交通事故處理、辦理喪葬事宜等費用住宿費=國家機(jī)關(guān)一般人員出差住宿標(biāo)準(zhǔn)*住宿天數(shù)(40元/天) 4、醫(yī)療費根據(jù)《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》第十九條規(guī)定，醫(yī)療費根據(jù)醫(yī)療機(jī)構(gòu)出具的醫(yī)藥費、住院費等收款憑證，結(jié)合病歷和診斷證明等相關(guān)證據(jù)確定。賠償義務(wù)人對治療的必要性有異議的，應(yīng)當(dāng)承擔(dān)相應(yīng)的舉證責(zé)任。醫(yī)療費的賠償數(shù)額，按照一審法庭辯論終結(jié)前實際發(fā)生的數(shù)額確定。器官功能恢復(fù)訓(xùn)練所必要的康復(fù)費、適當(dāng)?shù)恼葙M以及其他后續(xù)治療費，賠償權(quán)利人可以待實際發(fā)生后另行起訴。但根據(jù)醫(yī)療證明或者鑒定結(jié)論確定必然要發(fā)生的費用，可以與已經(jīng)發(fā)生的醫(yī)療費一并予以賠償。 5、誤工費根據(jù)《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》第二十條規(guī)定：誤工費根據(jù)受害人的誤工時間和收入狀況確定。誤工時間根據(jù)受害人接受治療的醫(yī)療機(jī)構(gòu)出具的證明確定。受害人因傷殘持續(xù)誤工的，誤工時間可以計算至定殘日前一天。受害人有固定收入的，誤工費按照實際減少的收入計算。受害人無固定收入的，按照起最近三年的平均收入計算;受害人不能舉證證明其最近三年的平均收入狀況的，可以參照受訴法院所在地相同或者相近行業(yè)上一年度職工的平均工資計算。</p><strong>交通事故保險公司的具體理賠標(biāo)準(zhǔn)</strong><p>解答交通事故保險公司事故對保險公司賠償?shù)母? 的賠償標(biāo)準(zhǔn)：1、醫(yī)療費事故對保險公司賠償?shù)母? ，以實際的費用為準(zhǔn)事故對保險公司賠償?shù)母? ；2、誤工費事故對保險公司賠償?shù)母? ，根據(jù)誤工時間以及收入確定；3、護(hù)理費，根據(jù)護(hù)理的時間以及護(hù)理人員的收入確定；4、造成殘疾的根據(jù)殘疾程度確定。法律依據(jù)《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》第六條醫(yī)療費根據(jù)醫(yī)療機(jī)構(gòu)出具的醫(yī)藥費、住院費等收款憑證，結(jié)合病歷和診斷證明等相關(guān)證據(jù)確定。賠償義務(wù)人對治療的必要性和合理性有異議的，應(yīng)當(dāng)承擔(dān)相應(yīng)的舉證責(zé)任。醫(yī)療費的賠償數(shù)額，按照一審法庭辯論終結(jié)前實際發(fā)生的數(shù)額確定。器官功能恢復(fù)訓(xùn)練所必要的康復(fù)費、適當(dāng)?shù)恼葙M以及其他后續(xù)治療費，賠償權(quán)利人可以待實際發(fā)生后另行起訴。但根據(jù)醫(yī)療證明或者鑒定結(jié)論確定必然發(fā)生的費用，可以與已經(jīng)發(fā)生的醫(yī)療費一并予以賠償。</p><strong>汽車交強(qiáng)險最高賠償多少</strong><p>一、汽車交強(qiáng)險最高賠償多少? 《交強(qiáng)險》中規(guī)定事故對保險公司賠償?shù)母? ，每次保險事故事故對保險公司賠償?shù)母? 的最高賠償金額為12.2萬元人民幣。交強(qiáng)險的全稱是“機(jī)動車交通事故責(zé)任強(qiáng)制保險”，是由保險公司對被保險機(jī)動車發(fā)生道路交通事故造成受害人(不包括本車人員和被保險人)的人身傷亡、財產(chǎn)損失，在責(zé)任限額內(nèi)予以賠償?shù)膹?qiáng)制性責(zé)任保險。《中國保監(jiān)會關(guān)于調(diào)整交強(qiáng)險責(zé)任限額的公告》規(guī)定事故對保險公司賠償?shù)母? 了從2008年2月1日零時起實行的責(zé)任限額： 1、機(jī)動車在道路交通事故中有責(zé)任的賠償限額 (1)死亡傷殘賠償限額：110000元人民幣; (2) 醫(yī)療費用賠償限額：10000元人民幣; (3)財產(chǎn)損失賠償限額：2000元人民幣。 2、機(jī)動車在道路交通事故中無責(zé)任的賠償限額 (1) 死亡傷殘賠償限額：11000元人民幣; (2) 醫(yī)療費用賠償限額：1000元人民幣; (3)財產(chǎn)損失賠償限額：100元人民幣。可以看到，被保險人有責(zé)任，要賠償?shù)南揞~，最高為122000元。被保險人無責(zé)任，要賠償?shù)南揞~，最高為12100元。二、交強(qiáng)險的理賠程序是什么? 1、當(dāng)您駕車發(fā)生交通事故后，一定要立即向事故發(fā)生地公安交通管理部門報案，同時在48小時內(nèi)通知保險人，否則保險公司可以拒賠。車輛發(fā)生交通事故后，投保人應(yīng)盡快向保險公司報案，可以電話報案，也可直接去報案。 2、保險公司應(yīng)主動到事故現(xiàn)場進(jìn)行勘驗，對事故車輛進(jìn)行定損。交通警察到達(dá)事故現(xiàn)場后，要先搶救傷者，然后對事故現(xiàn)場進(jìn)行勘驗檢查。對未逃逸的交通事故，而且不需要檢驗鑒定的，公安交通管理部門應(yīng)當(dāng)在10日內(nèi)做出交通事故責(zé)任認(rèn)定書，對需要檢驗鑒定的，應(yīng)當(dāng)在5日內(nèi)進(jìn)行檢驗鑒定，然后做出認(rèn)定書。 3、投保人到保險公司辦理理賠手續(xù)，應(yīng)攜帶行駛證，保險合同以事故責(zé)任認(rèn)定書等相關(guān)證件。保險公司應(yīng)在48小時內(nèi)對車輛進(jìn)行定損，投保人在車輛沒有定損之前不能修理車輛。保險公司應(yīng)該出具車輛定損清單，明確更換配件，修復(fù)車輛的費用和工時。 4、投保人如對上述清單無爭議即簽字生效，作為保險公司理賠的依據(jù)。如果有爭議則可以拒絕簽字。在投保人對定損清單沒有爭議的情況下，投保人可以修復(fù)車輛，并按以下程序進(jìn)行理賠。 (1)投保人將修理廠的發(fā)票，明細(xì)清單，定損單，行駛證，保險合同交給保險公司。 (2)與保險公司達(dá)成協(xié)議之后，保險公司應(yīng)在十日內(nèi)支付保險賠償金。如保險公司認(rèn)為投保人提供的材料不完整，應(yīng)在兩個月內(nèi)按可鑒定的最低額先行賠付。 (3)領(lǐng)取理賠通知單，領(lǐng)取保險金。 (4)如果保險公司在兩個月內(nèi)拒絕出個理賠通知單，并在兩個月內(nèi)不予賠償，投保人也可以向保險公司所在地或車輛注冊所在地人民法院提起民事訴訟。 (5)保險公司在收到投保人的有關(guān)保險事故的證據(jù) 材料后，應(yīng)當(dāng)向投保人出具證據(jù)清單并簽字蓋章。 (6)保險公司出具拒絕理賠通知書。 (7)投保人可以向保險公司所在地或車輛注冊所在地的人民法院提起民事訴訟。因為汽車交強(qiáng)險是在有沒有責(zé)任的情況下都會承擔(dān)一定的賠償，只要不是司機(jī)本人涉嫌重大的違章，可以說保險公司在交通事故賠償?shù)倪@一方面是承擔(dān)事故對保險公司賠償?shù)母? 了很重要的作用的。所以有責(zé)任的情況下交強(qiáng)險能夠主動承擔(dān)起12.2萬元的賠償限額，這對于主要責(zé)任人和被撞者來說都在一定程度上緩解了一定心理壓力的。</p></div> <div id="akj64r4mkxqq" 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)注錯誤或侵犯了您的合法權(quán)益，請作者持權(quán)屬證明于本網(wǎng)聯(lián)系，我們將予以及時更正或刪除。</div> <div id="akj64r4mkxqq" class="readed"> <h6>延伸閱讀</h6> <ul class="read"> <li><a href="/doc/9388.html" target="_self" title="吉安市傷殘鑒定中心電話">吉安市傷殘鑒定中心電話</a></li> <li><a href="/doc/388868.html" target="_self" title="月薪4000工傷8級賠多少錢">月薪4000工傷8級賠多少錢</a></li> <li><a href="/doc/448512.html" target="_self" title="逃票進(jìn)動物園虎吃人">逃票進(jìn)動物園虎吃人</a></li> <li><a href="/doc/61141.html" target="_self" title="交通事故致二人當(dāng)場死亡">交通事故致二人當(dāng)場死亡</a></li> <li><a href="/doc/187556.html" target="_self" title="車輛受損賠償協(xié)議書">車輛受損賠償協(xié)議書</a></li> </ul> </div> <div 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