有车的朋友请关注——交强险

云下百合 · 发表于 2006-6-21 10:11

机动车交通事故责任强制保险，是指由保险公司对被保险机动车发生道路交通事故造成本车人员、被保险人以外的受害人的人身伤亡、财产损失，在责任限额内予以赔偿的强制性责任保险。交强险是我国第一个法定强制保险，7月1日之后，未按规定投保交强险并张贴或携带交强险标志的机动车不得上路。小型家用车的基础费率为1050元保6万元。7月1日后投保或续保者必须投保交强险。投保交强险后，可适当降低三责险保额。由于交强险保额6万元，商业三责险保额以减少10万元为宜，相应可节省两三百元，把保费增幅控制在一千元以内。7月1日后保险到期为躲避交强险而提前续保的朋友，必须退掉原有保险方能有效。首批10家可承保交强险的公司是：中国人民财产保险股份有限公司、中国太平洋财产保险股份有限公司、中国平安财产保险股份有限公司、中国大地财产保险股份有限公司、大众保险股份有限公司、华泰财产保险股份有限公司、永安财产保险股份有限公司、永诚财产保险股份有限公司、阳光财产保险股份有限公司、阳光农业相互保险公司。 如有疑问请电话咨询：13388425091李力

水清木华 · 发表于 2006-6-21 11:50

谢谢百合提醒,偶的保期快到了![em23]

普通观众 · 发表于 2006-6-21 12:31

谢谢LZ，另外请教一下：1）您说的三责险是不是指第三者责任险2）如是的话，我原来保的是50万，保费为1千多，  国家的只有6万，保费也要1千多，他是不是赚很多3）另外象现在这样，车祸进了医院，动辄都好几万的，残了要好几十万的，死了要好几百万的，他这区区6万有什么用。

FJJF · 发表于 2006-6-21 18:42

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用普通观众在2006-6-21 12:31:48的发言： 谢谢LZ，另外请教一下：1）您说的三责险是不是指第三者责任险2）如是的话，我原来保的是50万，保费为1千多，  国家的只有6万，保费也要1千多，他是不是赚很多3）另外象现在这样，车祸进了医院，动辄都好几万的，残了要好几十万的，死了要好几百万的，他这区区6万有什么用。</div>同问？

吴越清风 · 发表于 2006-6-21 20:25

同同问？

hahaxixi · 发表于 2006-6-21 20:35

再同问

合生百货 · 发表于 2006-6-21 22:02

提示: 作者被禁止或删除内容自动屏蔽

云下百合 · 发表于 2006-6-21 22:10

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用普通观众在2006-6-21 12:31:48的发言： 谢谢LZ，另外请教一下：1）您说的三责险是不是指第三者责任险2）如是的话，我原来保的是50万，保费为1千多，  国家的只有6万，保费也要1千多，他是不是赚很多3）另外象现在这样，车祸进了医院，动辄都好几万的，残了要好几十万的，死了要好几百万的，他这区区6万有什么用。</div>三责险就是指第三者责任险.第二和第三个问题我下面回答,请耐心看

云下百合 · 发表于 2006-6-21 22:11

<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">1<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">、什么是交强险？
<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"> <span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">机动车交通事故责任强制保险（以下简称<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">“<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">交强险<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">”<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">）是我国首个由国家法律规定实行的强制保险制度。《机动车交通事故责任强制保险条例》（以下简称《条例》）规定：交强险是由保险公司对被保险机动车发生道路交通事故造成受害人（不包括本车人员和被保险人）的人身伤亡、财产损失，在责任限额内予以赔偿的强制性责任保险。<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"> 2<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">、为什么要实行交强险制度？<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"> <span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">交强险是责任保险的一种。目前现行的商业机动车第三者责任保险（以下简称<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">“<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">商业三责险<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">”<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">）是按照自愿原则由投保人选择购买。在现实中商业三责险投保比率比较低（<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">2005<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">年约为<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">35%<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">），致使发生道路交通事故后，有的因没有保险保障或致害人支付能力有限，受害人往往得不到及时地赔偿，也造成大量经济赔偿纠纷。因此，实行交强险制度就是通过国家法律强制机动车所有人或管理人购买相应的责任保险，以提高三责险的投保面，在最大程度上为交通事故受害人提供及时和基本的保障。<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"> 3<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">、哪些人需要投保交强险？<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"> <span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">根据《条例》规定，在中华人民共和国境内道路上行驶的机动车的所有人或者管理人都应当投保交强险。同时《条例》规定，机动车所有人、管理人未按照规定投保交强险的，将由公安机关交通管理部门扣留机动车，通知机动车所有人、管理人依照规定投保，并处应缴纳的保险费的<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">2<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">倍罚款。<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">

云下百合 · 发表于 2006-6-21 22:11

<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">4<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">、实施交强险制度对公众有什么好处？<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"> <span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">建立交强险制度有利于道路交通事故受害人获得及时的经济赔付和医疗救治；有利于减轻交通事故肇事方的经济负担，化解经济赔偿纠纷；通过实行<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">“<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">奖优罚劣<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">”<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">的费率浮动机制，有利于促进驾驶人增强交通安全意识；有利于充分发挥保险的保障功能，维护社会稳定。<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"> 5<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">、交强险和现行商业三责险有何差异？<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"> <span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">一是赔偿原则不同。根据《道路交通安全法》的规定，对机动车发生交通事故造成人身伤亡、财产损失的，由保险公司在交强险责任限额范围内予以赔偿。而商业三责险中，保险公司是根据投保人或被保险人在交通事故中应负的责任来确定赔偿责任。二是保障范围不同。除了《条例》规定的个别事项外，交强险的赔偿范围几乎涵盖了所有道路交通责任风险。而商业三责险中，保险公司不同程度地规定有免赔额、免赔率或责任免除事项。三是具有强制性。根据《条例》规定，机动车的所有人或管理人都应当投保交强险，同时，保险公司不能拒绝承保、不得拖延承保和不得随意解除合同。四是根据《条例》规定，交强险实行全国统一的保险条款和基础费率，保监会按照交强险业务总体上<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">“<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">不盈利不亏损<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">”<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">的原则审批费率。五是交强险实行分项责任限额。<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"> 6<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">、什么是交强险责任限额？<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"> <span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">交强险责任限额是指被保险机动车发生道路交通事故，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。交强险责任限额分为死亡伤残赔偿限额<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">50000<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">元、医疗费用赔偿限额<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">8000<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">元、财产损失赔偿限额<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">2000<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">元以及被保险人在道路交通事故中无责任的赔偿限额。其中无责任的赔偿限额分别按照以上三项限额的<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">20<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">％计算。<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">

云下百合 · 发表于 2006-6-21 22:12

<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">7<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">、交强险责任限额是如何确定的？<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"> <span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">交强险实行的<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">6<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">万元总责任限额方案是综合考虑了赔偿覆盖面和消费者支付能力。交强险责任限额过低，将起不到保障作用，而责任限额过高将导致费率大幅度上涨，使消费者难以承受。根据数据分析，在<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">6<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">万元总责任限额下可以解决大部分交通事故的赔偿问题。<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"> <span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">交强险的目的是为交通事故受害人提供基本的保障。交通事故受害人获得赔偿的渠道是多样的，交强险只是最基本的渠道之一。交强险实行<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">6<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">万元的总责任限额，并不是说交通事故受害人从所有渠道最多只能得到<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">6<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">万元赔偿。除交强险外，受害人还可通过其它方式得到赔偿，如从商业三责险、人身意外保险、健康保险等均可获得赔偿。除此之外，交通事故受害人还可根据受害程度，通过法律手段要求致害人给予更高的赔偿。<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"> <span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">机动车所有人或管理人在购买交强险后，还可根据自身的支付能力和保障需求，在交强险基础之上同时购买商业三责险作为补充。<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"> <span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">目前实行<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">6<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">万元总责任限额比较符合当前国民经济发展水平和消费者的支付能力，以及保险公司的经营能力。交强险责任限额水平将随着国民经济的发展逐步提高。这也是国际上通行做法。交强险制度实施一段时间后，保监会将根据《条例》规定、根据国民经济发展水平以及制度实施的具体情况，会同相关部门适时调整责任限额。<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"> 8<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">、医疗费用赔偿限额是否够用？<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"> <span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">交通事故中医疗抢救费用问题一直受到社会广泛关注。保监会在确定医疗费用赔偿限额的过程中，对保险业交通事故医疗赔款数据进行了深入分析，广泛征求了包括医学专家在内的社会各界的意见。目前<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">8000<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">元的医疗费用赔偿限额，能满足一般交通事故医疗费用的需要，能为大多数交通事故受害人提供及时保障。对于重大交通事故的受害人的抢救费用，当抢救费用超过医疗费用赔偿限额时，根据《条例》规定，由道路交通事故社会救助基金（以下简称救助基金）垫付，故不会出现因医疗抢救费用不足而耽误救治问题。受害人得到抢救后，同时可以获得死亡伤残赔偿。交强险制度和救助基金制度是一个完整的保障体系，可以使道路交通事故受害人及时得到救助和赔偿。<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">

云下百合 · 发表于 2006-6-21 22:12

9、交强险的费率是如何制定的？ 交强险价格与消费者切身利益息息相关。交强险费率厘定过程中，中国保险行业协会组织国内财产保险公司的精算人员和产品开发的骨干力量组成项目组，聘请亚洲知名精算师事务所参与，通过对保险公司历史赔付数据的整合，运用精算模型和方法，充分分析了新环境下赔偿原则、保障范围、赔偿标准、强制性要求、机动车数量增加及投保面扩大等各种变化因素对出险频率和案均赔款的影响，分别测算了多种责任限额项下交强险费率水平。 保监会在审批行业上报的保险费率过程中，广泛听取了部分消费者代表、有关部委和专家学者的意见。按照《条例》规定的原则，综合考虑目前国民经济发展水平和消费者承受能力，以及保险公司经营能力，对费率方案进行审批。<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">10<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">、购买交强险后是否不用再购买商业三责险？<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"> <span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">交强险主要是承担广覆盖的基本保障。对于更多样、更高额、更广泛的保障需求，消费者可以在购买交强险的同时自愿购买商业三责险和车损险等。例如：不少投保人目前购买了<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">20<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">万元责任限额的商业三责险、车损险、以及附加盗抢险、不计免赔险和玻璃单独破碎险等。在实行交强险制度后，消费者在原保险合同到期后，首先必须购买交强险，同时还可根据自身需要，在交强险基础之上选择购买不同档次责任限额的商业三责险（如<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">5<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">万、<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">10<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">万元、<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">15<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">万元或更高），以及车损险和各种附加保险等，使自己具有更高水平的保险保障。<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"> 11<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">、什么情况下保险公司将垫付受害人抢救费用？<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"> <span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">道路交通事故具有突发性。为了确保交通事故受害人能得到及时有效的救治，《条例》规定，对于驾驶人未取得驾驶资格或者醉酒的、被保险机动车被盗抢期间肇事的、被保险人故意制造道路交通事故的情况下，保险公司将在交强险医疗费用赔偿限额内垫付抢救费用。同时对于垫付的抢救费用，保险公司有权向致害人追偿。<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"> 12<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">、交强险制度何时开始实施？原已投保的商业三责险是否有效？<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"> <span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">根据《条例》规定，交强险制度于<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">2006<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">年<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">7<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">月<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">1<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">日起实行。机动车所有人、管理人自施行之日起<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">3<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">个月内要投保交强险，并在被保险机动车上放置保险标志。在交强险制度实施前已购买商业三责险并且保单尚未到期的，原商业三责险保单继续有效，驾驶人应随车携带保单备查。原商业三责险期满后，应及时投保交强险。<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: "Times New Roman"; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">

云下百合 · 发表于 2006-6-21 22:18

各位邻居耐心看完明白了吗,还不明白的话再看一遍[em01][em01][em01]

hahaxixi · 发表于 2006-6-21 22:59

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用云下百合在2006-6-21 22:18:35的发言： 各位邻居耐心看完明白了吗,还不明白的话再看一遍[em01][em01][em01]</div>哈哈，其实没看就已经在问了再问了 [em01][em01][em01]

kingniu · 发表于 2006-6-21 23:17

偶看到保险条理就头晕！[em06][em06][em06][em01][em01][em01][em01]

云下百合 · 发表于 2006-6-22 09:40

既然还不明白，偶只能再通俗地讲讲。交强险保障额度六万元是根据全国交通事故的发生70％在六万元以下确定的。其保障范围比三责险广，包括人身伤亡50000元、救治医疗费8000元、财产损失2000元。而且事故发生后不论责任保险公司先行赔付，所以费率高于三责险。教大家一招。今年7—9月份车险到期的朋友，不妨在6月30日前投保车险，可免一年交强险。损失1－2个月的保险费，节省1050元，还是划算的。自己算算吧！[em07][em07][em07][em07]千万表举报偶啊[em04][em04][em04]

三月雪 · 发表于 2006-6-22 09:52

请教楼主:我上个月就提前投保了,为了避交强险,已经把7月22日到期的保险提前到了4日(该保险公司承诺可以做到这个日期为止)[em06]可按你的帖子,投保日期在7月1日以后的要补交?那我该怎么办?

云下百合 · 发表于 2006-6-22 10:42

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用三月雪在2006-6-22 9:52:36的发言： 请教楼主:我上个月就提前投保了,为了避交强险,已经把7月22日到期的保险提前到了4日(该保险公司承诺可以做到这个日期为止)[em06]可按你的帖子,投保日期在7月1日以后的要补交?那我该怎么办?</div>起保日期7月4日应该没有问题，只是小心7月1日－3日上路不要被查到。

普通观众 · 发表于 2006-6-22 11:04

我怎么感觉有点象吃大锅饭的感觉，全国经济水平差异很大，有的地方高了，有的地方还嫌低，这样做是不是太笼统了。（比方看个感冒，我们这儿要2、3百或更多，在经济不发达地区5块、10块就搞定了）还有费率的制订好象是在玩文字游戏，政府一家之言，老百姓完全没有话语权。唉，弱势群体，挨宰吧。谁敢说个不字。

楠溪阁9楼 · 发表于 2006-6-22 11:26

早在5月份之前就听到这个消息,已经提前保险,但是保险公司说,如果有新政策出来,要把钱还给我们,之前签定的协议作废....真是视合同为无物...都由卖方说了算.....见鬼的顾客是上帝...是奴隶还差不多

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