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2018年交强险赔偿范围明细及具体赔偿责任限额详情解答

发布时间:2018-11-01 11:50
交强险,即机动车交通事故责任强制保险,是我国法律明确规定实行的一种强制保险。可以说,交强险是车主投保的所有险别中最基本的一个保险,在发生交通事故时,交强险赔偿也能为车主和受害人提供基本的保障。那么交强险赔偿范围明细是怎么样的呢?
 
Compulsory traffic insurance, that is, compulsory liability insurance for motor vehicle traffic accidents, is a kind of compulsory insurance which is clearly stipulated in the law of our country. It can be said that the compulsory traffic insurance is the owner of all the insurance coverage of the most basic insurance, in the event of traffic accidents, the compulsory traffic insurance compensation can also provide basic protection for owners and victims. Then what is the scope of compensation for compulsory insurance?
 
 
 
一、交强险赔偿范围明细是什么
 
I. what is the scope of compensation for compulsory insurance?
 
 
 
我国《机动车交通事故责任强制保险条例》对于交强险的赔偿范围进行了明确规定。投了保的机动车发生交通事故造成本车人员、被保险人以外的受害人人身伤亡、财产损失,保险公司在限额内予以赔偿。汽车交通事故责任强制保险在全国范围内实行统一的责任限额。责任限额分为死亡伤残赔偿限额、医疗费用赔偿限额、财产损失赔偿限额以及被保险人在道路交通事故中无责任的赔偿限额。
 
China's "Regulations on Compulsory Liability Insurance for Motor Vehicle Traffic Accidents" clearly stipulates the scope of compensation for compulsory traffic insurance. The insurance company shall compensate the insured motor vehicle for personal injury, death or property damage caused by a traffic accident involving its own personnel or victims other than the insured. The compulsory liability insurance for motor vehicle accidents shall be implemented in a nationwide unified liability limit. The liability limit is divided into the death and disability compensation limit, the medical expense compensation limit, the property loss compensation limit and the insured person's irresponsible compensation limit in the road traffic accident.
 
 
 
交强险责任限额是指被保险机动车在保险期间(通常为1年)发生交通事故,保险公司对每次保险事故所有受害人的人身伤亡和财产损失所承担的最高赔偿金额。
 
Limit of liability for compulsory traffic insurance refers to the maximum amount of compensation that the insured motor vehicle can bear for the personal injury and property loss of all the victims of each accident during the period of insurance (usually one year).
 
 
 
二、确定交强险赔偿责任限额的参考因素
 
Two. Determining the liability limit for compulsory insurance.
 
 
 
1、满足交通事故受害人基本保障需要。
 
1, meet the basic protection needs of traffic accident victims.
 
 
 
2、与国民经济发展水平和消费者支付能力相适应。
 
2, in line with the level of national economic development and the ability of consumers to pay.
 
 
 
3、参照了国内其他行业和一些地区赔偿标准的有关规定。
 
3, referring to the relevant provisions of other domestic industries and compensation standards in some areas.
 
 
 
三、交强险赔偿责任限额是什么
 
Three. What is the liability limit for compensation for compulsory insurance?
 
 
 
1、机动车在道路交通事故中无责任的赔偿限额
 
1. Liability limits for motor vehicles in irresponsible traffic accidents.
 
 
 
死亡伤残赔偿限额:10000元人民币
 
Death disability compensation limit: 10000 yuan RMB.
 
 
 
医疗费用赔偿限额:1600元人民币
 
Limit of compensation for medical expenses: 1600 yuan RMB
 
 
 
财产损失赔偿限额:400元人民币
 
Compensation limit for property damage: 400 yuan RMB
 
 
 
2、机动车在道路交通事故中无责任的赔偿限额
 
2. Liability limits for motor vehicles in irresponsible traffic accidents.
 
 
 
死亡伤残赔偿限额:11000元人民币
 
Death disability compensation limit: 11000 yuan RMB.
 
 
 
医疗费用赔偿限额:1000元人民币
 
Limit of compensation for medical expenses: 1000 yuan RMB
 
 
 
财产损失赔偿限额:100元人民币
 
Compensation limit for property damage: 100 yuan RMB
 
 
 
死亡伤残赔偿限额:是指被保险机动车发生交通事故,保险人对每次保险事故所有受害人的死亡伤残费用所承担的最高赔偿金额。死亡伤残费用包括丧葬费、死亡补偿费、受害人亲属办理丧葬事宜支出的交通费用、残疾赔偿金、残疾辅助器具费、护理费、康复费、交通费、被抚养人生活费、住宿费、误工费,被保险人依照法院判决或者调解承担的精神损害抚慰金。
 
Limit of compensation for death, injury and disability: refers to the maximum amount of compensation that the insurer pays to all the victims of each insurance accident when the insured motor vehicle has a traffic accident. Death and disability expenses include funeral expenses, death compensation expenses, transportation expenses paid by the relatives of the victims for funeral expenses, disability compensation, disability auxiliary equipment expenses, nursing expenses, rehabilitation expenses, transportation expenses, living expenses of the dependants, accommodation expenses and work-delay expenses, and the mental impairment borne by the insured in accordance with the judgment of the court or mediation Harm solace.
 
 
 
医疗费用赔偿限额:是指被保险机动车发生交通事故,保险人对每次保险事故所有受害人的医疗费用所承担的最高赔偿金额。医疗费用包括医药费、诊疗费、住院费、住院伙食补助费,必要的、合理的后续治疗费、整容费、营养费。
 
Medical expenses compensation limit: refers to the insured motor vehicle accident, the insurer to each insurance accident all victims of medical expenses bear the maximum amount of compensation. Medical expenses include medical expenses, medical expenses, hospitalization expenses, meal allowance for hospitalization, necessary and reasonable follow-up treatment fees, plastic surgery fees, nutrition fees.
 
 
 
财产损失赔偿限额:是指被保险机动车发生交通事故,保险人对每次保险事故所有受害人的财产损失承担的最高赔偿金额。
 
Property damage compensation limit: refers to the insured motor vehicle accident, the insurer to each insurance accident all the victims of the maximum amount of compensation for property losses.

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