交强险条款

交强险条款 机交通事故任动动动动动动 动动制保条例　　强 第一章　　第一条了保障机道路交通事故受害人依法得到,促道路交通安 动 动 动动动动动动动动动动动动动动动动动动动动动动动动动动全,根据《中人民共和国道路交通安全法》、《中人民共和国保法》,制定本条例。动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动 第二条在中人民共和国境内道路上行的机的所有人或者管理人,当依照 动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动《中人民共和国道路交通安全法》的定投保机交通事故任动动动动动动动动动动动动动动动动动动动制保。强 机交通事故任动动动动动动动动动动动动动动动动动动动动动动动动动制保的投保、和督管理,适用本条例强 　　 第三条本条例所称机交通事故任 动动动动动动动动动动动动动动动动动动动动制保,是指由保公司被保强 机生道路交通事故造成本人、被保人以外的受害人的人身亡、动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动 动动失,在任限内予以的制性任保。　　强 第四条国院保督管理机构，以下称保会,依法保公司的机交通 动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动事故任制保施督管理。动动动动动动动动动动 动动　　强 公安机交通管理部、，机械,主管部，以下称机管动动动动动动动动动动动动动动动动动动动动动动动动动动动动动理部,当依法机参加机交通事故任动动动动动动动动动动动动动动动动动动动动动动动动动动动动制保的情况强 施督。未参加机交通事故任动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动制保的机,机管强 理部不得予以登,机安全技机构不得予以。动动动动动动动动动动动动动动动动动动动 动动　　 公安机交通管理部及其交通警察在理道路交通安全法行和道路交通动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动事故,当依法机交通事故任动动动动动动动动动动动动动动动动动动动动动动 动动制保的保志。　　强 第二章投保　　 第五条保公司保会批准,可以从事机交通事故任 动动动动动动动动动动动动动动动动动动动动动动动动动动动动制保。强 动动动动动动动动动动动动动动动动动动动动动动动动动动动动动了保机交通事故任制保的行,保会有保强 公司从事机交通事故任动动动动动动动 动动制保。　　强 未保会批准,任何位或者个人不得从事机交通事故任动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动制保强。 　　 第六条机交通事故任 动动动动动动动动动动动动动动动动动动动动动动动动动制保行一的保条款和基保率。强 保会按照机交通事故任动动动动动动动动动动动动动动动动动动动动动动动动动动动动动制保体上不盈利不的原批强 保率。动动 　　 保会在批保率,可以聘有机构行估,可以行动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动听会听取公众意。动动 动动　　 第七条保公司的机交通事故任 动动动动动动动动动动动动动动动动动动动动动动动动动动动制保,当与其他保分强 管理,独核算。动 　　 保会当动动动动动动动动动动动动动动动动动动动动动动动动动动动动动年保公司的机交通事故任制保情况每强 行核,并向社会公布,根据保公司机交通事故任动动动动动动动动动动动动动动动动动动动动动动动制保的体盈强 利或者情况,可以要求或者允保公司相整保率。动动动动动动动动动动动动动动动 动动　　 动动动动动动动动动动动动动 动动整保率的幅度大的,保会当行听。　　 第八条被保机没有生道路交通安全法行和道路交通 动动动动动动动动动动动动动动动动动动动动动动动事故的,保公司当在下一年度降低其保率。在此后的动动动动动动动动动动动动动动动动动动动动动动年度内,被保机仍然没有生道路交通安全法行和道动动动动动动动动动动动动动动动动动动动动动动路交通事故的,保公司当降低其保率,直至最低准。动动动动动动动动动动动动动动动动动动动动动动被保机生道路交通安全法行或者道路交通事故动动动动动动动动动动动动动动动动动动动动动动动动的,保公司当在下一年度提高其保率。多次生道动动动动动动动动动动动动动动动动动动动动动动动路交通安全法行、道路交通事故,或者生重大道路交动动动动动动动动动动动动动动动动动动动动动通事故的,保公司当加大提高其保率的幅度。动动动动动动动动动动动动动动动动动动在道路交通事故中被保人没动动动有的,不提高其保率。动动动动动动动动动动动动动降低或者提高保率的准,由保会会同国院动动动动动动动动动动动动动动动动公安部制定。动 　　 第九条保会、国院公安部、国院主管部以及其他有部 动动动动动动动动动动动动动动动动动动动动动动动动动动动动动当逐建立有机交通事故任步强动动动动动动动动动动动动动动动动动动动动动动动动动制保、道路交通安全法行和 道路交通事故的信息共享机制。　　 第十条投保人在投保当具从事机交通事故任 动动动动动动动动动动动动动动动动动动动动动动动动动制保格强 的保公司,被的保公司不得拒或者拖延承保。动动动动动动动动动动动动动动动动动 动动　　 保会当将具从事机交通事故任动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动制保格的保公司强 向社会公示。　　 第十一条投保人投保,当向保公司如告知重要事。 动动动动动动动动动动动动动动 动动　　 重要事包括机的、厂牌型号、代、牌照号、使用动动动动动动动动动动动动动动动动动动动动动动动动动动动性和机所有人或者管理人的姓名，名称,、性、年、住所、身份动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动或者号，机构代,、保前机生事故的情况以动动动动动动动动动动动动动动动动动动动动动动动动动动动动动及保会定的其他事。动动动动 动动　　 第十二条机交通事故任 动动动动动动动动动动动动动动动动动动动动动动动制保合同,投保人当一次支付强 全部保,保公司当向投保人保、保志。保、保动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动志当注明保号、牌号、保期限、保公司的名称、 地址和理号。动动动动 动动　　 被保人当在被保机上放置保志。动动动动动动动动动动动动动动 动动　　 保志式全国一。保、保志由保会制。任何位或动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动者个人不得造、造或者使用造、造的保、保志。动动动动动动动动动动动动动动动动动 动动　　 第十三条机交通事故任 动动动动动动动动动动动动动动动动动动动动动动动制保合同,投保人不得在保条强 款和保率之外,向保公司提出附加其他条件的要求。动动动 动动　　 动动动动动动动动动动动动动动动动动动动动动动动动动动机交通事故任制保合同,保公司不得制投保人强强 立商保合同以及提出附加其他条件的要求。动动 动动　　 第十四条 保公司不得解除机交通事故任动动动动动动动动动动动动动动动动动动制保合同,但是强, 投保人重要事未履行如告知的除外。动动动动动动动动动动动动动动动动动动 　　 投保人重要事未履行如告知,保公司解除合同前,动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动当面通知投保人,投保人当自收到通知之日起5日内履行如告知,投保人在上动动动动动动动动动动动述期限内履行如告知的,保公司不得解除合同。动动动动动动动动动动动动动 动动　　 第十五条保公司解除机交通事故任 动动动动动动动动动动动动动动动动动动动动动动动制保合同的,当收回保强 动动动动动动动动动动动 动动和保志,并面通知机管理部。　　 第十六条投保人不得解除机交通事故任 动动动动动动动动动动动动动动动动动动动动动动动制保合同,但有下列情形之一的除外:强 ，一,被保机被依法注登的,动动动动动动动动 动动　　 ，二,被保机理停的,动动动动动动动 动动　　 ，三,被保机公安机失的。动动动动动动动动动动动 动动　　 第十七条机交通事故任 动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动制保合同解除前,保公司当按照合同承担保任。强 合同解除,保公司可以收取自保任始之日起至合同解除之日动动动动动动动动动动动动动动动动动动动动动动动动动动动止的保,剩余部分的保退投保人。动动动动动动动动动 动动　　 第十八条被保机所有移的,当理机交通事故任 动动动动动动动动动动动动动动动动动动动动动动动动动动制保强 动动动 动动合同更手。　　 第十九条机交通事故任 动动动动动动动动动动动动动动动动动动动动动动动制保合同期,投保人当及保,强 并提供上一年度的保。　　动动 第二十条机交通事故任 动动动动动动动动动动动动动动制保的保期强1年,但有下列情形之一的,投保人可以投保短期机交通事故任动动动动动 动动制保:　　强 ，一,境外机入境的,动动动动 　　 ，二,机上道路行的,动动动动动 动动　　 ，三,机距定的期限不足动动动动动动动动动动动动1年的,　　 ，四,保会定的其他情形。动动 动动　　 第三章　　 动 动 第二十一条被保机生道路交通事故造成 动动动动动动动动动动动动动动本人动动动、被保人以外的受害动动动动动动动人人身亡、失动动动动动动动的,由保公司依法在机交通事故任动动动动动动动动动动动动动动动动动制保任限强 范内予以。动动动 动动　　 道路交通事故的失是由受害人故意造成的损损损损损损损损损损损损 ,保公司不予。损损损损损损损损 　　 第二十二条有下列情形之一的,保公司在机交通事故任 动动动动动动动动动动动动动动动动动动制保任限范强 动动动动动动动动动动动动动动动动 动动内付救用,并有向致害人追:　　 ，一,人未取得格或者醉酒的,动动动动动 动动　　 ，二,被保机被盗期肇事的,动动动动动动动动动动 动动　　 ，三,被保人故意制造道路交通事故的。动 　　 有前款所列情形之一,生道路交通事故的,造成受害人的损损损损损损损损损损损损损损损损损损损损损损损损损损损损损损失,保公司不承担任。 　　 第二十三条机交通事故任 动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动制保在全国范内行一的任限。任限分强死亡动残限动动动动、医用限动动动动动动动、动动动动动动动失限以及被保人在道路交通事故中动动动动动动动动动动无任的动动动动动动限。　　 机交通事故任动动动动动动动动动动动动动动动动动动动动动动动动动动制保任限由保会会同国院公安部、强 国院生主管部、国院主管部定。动动动动动动动动动动动动动动动动 动动　　 第二十四条国家立 动动道路交通事故社会救助基金，以下称救动动动动动动动动助基金,。有下列情形之一,道路交通事故中受害人人身亡的动动动动动动动动动动动动动动动动动动动动葬用、部分或者全部动动动救用,由救助基金先行付,救动动动动动动动动 动动　　助基金管理机构有向道路交通事故任人追: ，一,救用动动动动动动动动动动动动动动动动动动动动动 动动制保任限的,　　超机交通事故任强 ，二,肇事机未参加机交通事故任动动动动动动动动动动 动动制保的,　　强 ，三,机肇事后动动 　　逃逸的。 第二十五条救 助基金的来源包括:　　 ，一,按照机交通事故任动动动动动动动动动动动动动动动动动动动动动动制保的保的一定强比例提取的金 　　 ，二,未按照定投保机交通事故任动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动制保的机的所有人、管理人的款,强 ，三,救助基金管理机构依法向道路交通事故任人追的动动动动动 动动　　金, ，四,救助基金孳息,　　 ，五,其他动 　　金。 第二十六条救 动动动动动动动动动动动动动动动动动动动动助基金的具体管理法,由国院政部会同保会、国院公安部、国院生主管部、国院主管部制定行。动动动动动动动动动动动动动动动动动动动动动动动动动动 第二十七条被保机生道路交通事故,被保人或者受害人通知保 动动动动动动动动动动动动动动动动动动动动动动动动动动公司的,保公司当立动动动动动动动动动动动动动动动动动动动动动动动动即予答,告知被保人或者受害人具体的动动动动动 动动　　程序等有事。 第二十八条被保机生道路交通事故的,由被保人向保 动动动动动动动动动动动动动动动动动动动动动 动动动动动动动动动动动动动动动动动动动动动动动动公司申保金。保公司当自收到申之日起1日内,面告知被保人动动动动动动动动动需要向保公司提供的与有的明和动动动动动动动动动动动 动动　　料。 第二十九条保公司当自收到被保人提供的明和 动动动动动动动动动动动动动动动动动动动动动动动料之日起5日内,是动动动动否属于保任动动动动动动动动动动动动动动动动动动动动动动动动作出核定,并将果通知被保人,不属于保动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动任的,当面明理由,属于保任的,在与被保人达成保金的后10日内,保动动动 动动　　金。 第三十条被保人与保公司有 动动动动动动动动动动动动动动动动动动动动动动动动动争的,可以依法申仲裁或者向人民法院提起。　　动动 第三十一条保公司可以向被保人保 动动动动动动动动动动动动动动动动动动动动动动动动动金,也可以直接向受害人动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动保金。但是,因救受人需要保公司支付或者付救用 的,保公司在动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动接到公安机交通管理部通知后,核当及向医机 构支付或者付救用。动动动动动 动动　　 因动动动动动动动动动动动动动动动动动动动动动动动动动动救受人需要救助基金管理机构付救用的,救助基金管理机构在接到公安机交通管理部通知后,核当及向医机构动动动动动动动动动动动动动动动动动动动动动动动动付救用。动动 动动　　 第三十二条医机构当参照国院生主管部制定的有 动动动动动动动动动动动动动动动动动动动动动动动动动动动床指南,救、动动动动动动 动动　　治道路交通事故中的受人。 第三十三条保公司保 动动动动动动动动动动动动动动动动动动动动动动动动金或者付救用,救助基金管理机构付救用,动动动动动动动动动动动动动动动动动动动动动动动动动动动需要向有部、医机构核有情况的, 有部、医机构当予以动动动动动动动动动动动动 动动　　配合。 第三十四条保公司、救 动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动助基金管理机构的工作人当事人的个人私当保密。 　　 第三十五条道路交通事故害 动动动动动动动动动动动动动动动动动动动动动目和准依照有法律的定行。 第四章　　 动 动 第三十六条未保会批准, 动动动动动动动动动动动动动动动动动动动动动制强非法从事机交通事故任 保的,由保会予以取,构成动动动动动动动动动动动动动动动动动动动动动动动动犯罪的,依法追究刑事任,动动动动动动动动动动动动动动动动动动动动动动动动动动尚不构成犯罪的,由保会没收法所得,法所得20万元以上的,并动动法所得1倍以上5倍以下款,没有法所得或者法所得不足动动动动动动动动动动动动动动动动动20万元的,动20万元以上100万元以下款。动 　　 第三十七条保公司未保会批准从事机交通事故任 动动动动动动动动动动动动动动动动动动动动制强 保的,由保会动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动令改正,令退收取的保,没收法所得,法所得10万元以上的,并法所得动动动动动1倍以上5倍以下款,没有法所得或者法所得不足动动动动动动动动动动动动动动动动动10万元的,动10万元以上50万元以下款,动动动动动动动动动动动动动动动动动动动动动动动动逾期不改正或者造成重后果的,令停整或者吊动动动动动动动动动 动动　　保可。 第三十八条保公司 动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动反本条例定,有下列行之一的,由保会令改正,5万元以上30万元以下款,情重的,可以限制范、动动动动动动动动动动动动动动动动动动动动动动动动动动动动令停止接受新或者吊动动动动动动动动动 动动　　保可: ，一,拒或者拖延承保机交通事故任动动动动动动动动动 动动制保的,　　强 ，二,未按照一的保条款和基保率从事机交通事故任动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动制保的,强 ，三,未将机交通事故任动动动动动动动动动动动动动动动动动动动动动动动动动动动动制保和其他保分管理,独核算的,强 ，四,制投保人立商保合同的,强动动动动动动动 动动　　 ，五,动动动动动动动动动动动动动动 动动制保合同的,反　　定解除机交通事故任强 ，六,拒不履行定的保动动动动动动动动动 动动　　金的, ，七,未按照定及支付或者付救用的。动动动动动动动动动动 动动　　 第三十九条机所有人、管理人未按照定投保机交通事故任 动动动动动动动动动动动动动动动动动动动动动动动动动动强 制保的,由公安机交通管理部动动动动动动动动动动动动动动动动动动动动动动动动动扣留机,通知机所有人、管理人依照定投保,依照定投保最低任限的保的动动动动动动动动动动动动动动动动动动动动动动动动动动2倍动动款。 　　 机所有人、管理人依照定机交通事故任动动动动动动动动动动动动动动动动动动动动动动动制保的,当强 及退机。动动动动动 动动　　 第四十条上道路行的机未放置保志的,公安机交通管 动动动动动动动动动动动动动动动动动动动动动 理部当动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动扣留机,通知当事人提供保志或者相手,可以警告或者20元以上200元以下款。动 动动动动动动动动动动动动动动动动动动　　当事人提供保志或者相手的,当及退 动动动 机。　　 第四十一条造、造或者使用造、造的保志,或者使 动动动动动动动动动动动动动动动动动动动动动 用其他机的保志,由公安机交通管理部予以收,动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动扣留机,200元以上2000元以下款,构成动动 动动　　犯罪的,依法追究刑事任。 当事人提供相的合法明或者相手的,当及退机。动动动动动动动动动动动动动动动动动动动动动动动动动动 第五章附　　 动 第四十二条本条例下列用的 动动 动动　　含: ，一,投保人,是指与保公司立机交通事故任动动动动动动动动动动动动动动动动动动动动动制保合同,并按强 照合同有支付保的机的所有人、管理人。动动动动动动动动动动动动动动动动 动动　　 ，二,被保人,是指投保人动动动动动动动动及其允的合法人动动动动动动动。　　 ，三,救用,是指机生道路交通事故致人受,医机动动动动动动动动动动动动动动动动动动动动动动动动动动动动动构参照国院生主管部制定的有动动动动动动动动动动动动动动动动动动动动动动动动动动动动床指南,生命体征不平动动动动动动动动动动动动动动动动动动动动动动动动动动动动和然生命体征平但如果不采取理措施会生生命危,或者致残动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动疾、器官功能障碍,或者致病程明延的受人,采取必要的理动动动动动动 动动　　措施所生的医用。 第四十三条机在 动动动道路以外的地方通行生事故动动动动动,造成人身亡、失的,动动动动动动动动动动动比照适用本条例。　　 第四十四条中国人民解放和中国人民 动动动动动动动动动动动动动动动动动动动动动动动动动动制保的法,武装警察部在机参加机交通事故任强 由中国人民解放和中国人民动动动动动动动动动动动动动动动动动武装警察部另行定。 　　 第四十五条机所有人、管理人自本条例施行之日起 动动动动动动动动动动动动动动动动动动3个月内投保机交通事故任动动动动动动动动动强制保,本条例施行前动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动已投保商性机第三者任保的,保期, 动动动动动动 动动当投保机交通事故任制保。　　强 第四十六条本条例自 2006年7月1日起施行。 动动动动动动本段率 机交通事故任动动动动动动动动动动动动动动动动动动动动动动动动制保率方案强，以下称率方案,适用 于动动动动动动动动动动动动动动动动动动动动动动动动动动动动制保。中国保督管理强委会批准的机交通事故任 本率动动动动动动动动动动动动动动动动动动动动动动制保基率方案由机交通事故任强及明、 机交通事故任动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动制保率浮强法、保的算法和解除保合同保算法等4个部分成。动 　　 一、机交通事故任动动动动动动动动动动动动动动动动制保基率强表及明 《机交通事故任动动动动动动动动动动动动动动动 动动制保基率　　强表》附表。 《机交通事故任动动动动动动动动动动动动动动动动动动动动动动制保基率强表》构、率水平全 国一，除拖动动动动动动动动动动动动动动动动动动动动动动动动动动动动动拉机和低速汽,。将表中需明事明确如下: 　　 ，一,机　　机交通事故任动动动动 动动动动动动动动动动动动动动动动动动动动动制保按机、使用性分强家庭自用汽动、非客动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动、客、非、、特、摩托和拖拉机8动动型。 1、家庭自用汽动动动动动动动动动 动动　　:是指家庭或个人所有,且用途非性的客。 2、非客动动动动动动动动动动动动动动动动动动动动动动动动:是指党政机、企事位、社会体、使动动动动动动动动动动动动动动动动动动动动动动动等机构从事公或在生活中不以直接或接方式收取运动动动动动动动动动动动动动动动动动动动动动动动动动或租金的客,包括党政机、企事位、社会体使动动动动动动动动动动动动动动动动动动动动动动动动动动动等机构从事公或在生活中承租且租期限1年或1年以上的客动动。非客动动动动动动动分:党政机、事体动动动动动动动动动动动动动客,企客。用于教损损损损损损损损损、政公司用于损损损损损损损损损损损损损损损损损损损损损损损损损损、快公司用于快的客、警、普通囚、医院的普通救、损损损损损损损损损损损损损损损损损损损损损损葬按照其行上明的核定客数,适用的损损损损损损损损损损损损损损企非客的率。 　　 3、动动动动客: 是指用于旅客运动动动动动动动动动动动动动动动动动动动动动动动动动或租,并以直接或接方式收取运或租金的客。 动动动动动动客分:城市公交客动动动动动动动动动动动动动动动动,公路客运客,出租、租客。旅游客运损损损损按照其行上明的核定损损损损损损损损损损损损损损损损损损损损损损损损损客数,适用的公路客运率。 　　 4、非动动动动动动动动动动动动动动动动动动动动动动动动:是指党政机、企事位、社会体自用或用动动动动动动动动动动动动动动动动动动动动动动动于个人及家庭生活,不以直接或接方式收取运动动动动动动动动动动动动动动动动动或租金的，包括客两用,。是指动动动动动动动动动动动动动动动动机、式、半挂引、自卸损损损损损损损损损损损损损损损损损损损损损损损损损、瓶运、装有起重机械但以重主的起重运。 　　用于教损损损损损损、政公司用于损损损损损损损损损损损损损损损损损损损损损损损损损损、快公司用于快的按照其行上 明的核定损损损损损损损损损损损损损损损损损损量,适用的非的率。 　　 5、:是指用动动动动动动动动动动动动动动动动动动动动动动动动动动动动于物运或租,并以直接或接方式收取运动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动或租金的，包括客两用,。是指机、式、半 挂引动动动动动动动动动动动动动动动动动动动动动动动动动动动动、自卸、瓶运、装有起重机械但以重主的起重运动动 。　　 6、特动动:是指用于各装油料动动动动动动动动动动动动动动、气体、液体等用罐动,或用于清障、清动动动动、清、起重、装卸，不含自卸动动动动动动动动动动动动动动动动动动动动动动动动动动,、升降、拌、挖掘、推土、路等的各用机,或适用于装有冷动动动动动动动动动动动动或加温的式机,或内动动动动动动动动动动动动动动动动动动动动装有固定用器,从事工作的动动、消防、运动动动动动动动动动动动动动、医、播、雷达、X光等动动动动动动机,或用动动动动动动动动动动动动动动动动于引集装箱箱体，柜,的集装箱拖。动 特动动动动动动动动动按其用途共分成4动动动动动动动动 动动,不同型机　　采用不同收准: 特动动动动动动动动动 动动　　一:油罐、汽罐、液罐, 特动动动动动动动动动动动动动动动动动动动动动动动动动动动二:用水、特以外的罐式,以及用于清障、清动动动动动动动动动动动动动动动动动动动动动动动动动动动动动、清、起重、装卸，不含自卸,、升降、拌、挖掘、推土冷藏、保温等的各动动动动 动动　　用机, 特动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动三:装有固定用器从事工作的、消防、运、医、动动动动动动动动动动动 动动　　播等的各用机, 特动动动 动动　　四:集装箱拖。 7、摩托动动动动动动动动动动动动动动动动动 动动　　:是指以燃料或瓶力的各两、三摩托。 摩托动动动分成3动: 50CC 及以下,50CC-250CC ，含,、 250CC 以上及三动动动。正三动动动动摩托按照排气量分行相的率。动动动动动动 动动　　 8、拖拉机按其使用性分动动动动动动动动动动动动动动动动动兼用型拖拉机和运型拖拉机。兼用型拖拉机是指以田作动动动动动动动动动动动动动动动动动动动动动动动主,通接接引挂可行运作的拖拉机。兼用型拖拉机分动14.7KW及以下和14.7KW以上两动动动动动动动动。运型拖拉机是指动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动箱与底一体,不通引挂可运作的拖拉机。运型拖拉机分14.7KW及以下和14.7KW以上两动动。低速汽损损损损损损损损损损损损参照运型拖拉机14.7KW以上的率行。损损损损 　　 9、挂动动动动动动动动动动动动动动动动动动动动动动动动:是指就其和技特征需机引才能正常使用的一无动动动动动动动动动动动力的道路机。 损损损损损损损损损损损损损损损损损损损损挂根据的使用性并按照吨位的30%损损损损损损损算。装置有油罐、汽罐、液罐的挂按特的30%损算。 　　 10、动动 动动动动动动动动动动动动动动动动动　　《机交通事故任充明制保基率强表》中各 型的座位和吨位的分动动动动都按照“损损”含起点不含点的原动动动动动动动动动动动动动来解，表中另有明的除外,。各动动动动动动动动动动动动动动动动动动动动动动动动动动动型的座位按行上明的核定客数算,吨位按行上明的核定动动动动动动 动动　　量算。 ，二,基保的算动动动动动 动动　　 1、一年期基保的算动动动动 动动动动动动动动动动动　　投保一年期机交通事故任制保的,根强据《机交通事故任动动动动动动动动动动动动动动动动动动动动动动动动动动制保基率强表》中相的金确定基保 动动 。　　 2、短期基保的算动动动动 动动动动动动动动动动动动动动动动动动动　　投保保期不足一年的机交通事故任制保强 动动动动动动动动动动动动动动动动动动动动动动动动动动动动动的,按短期率系数收保,不足一个月按一个月算。具体:先按《机交通事故任动动动动动动动动动动动动动动动动动动动动动动动动动动动制保基率强表》中相的金确定基保 动动动动动动动动动动动动动动动动动动动动动动动动,再根据投保期限相的短期月率系数,两者相乘即短期基动动动 保。　　 二、机交通事故任动动动动动动动动动动动动动动动动动动动动动动制保基率强浮因素和浮比率按 照《机交通事故任动动动动动动动动动动动动动动动动动动动动动制保率浮强行法》，保[2007]52号,行。动 　　 三、保的算法动动动动 动动动动动动　　交最保强=交基保强动动动动动×(1+与道路交通事故相动系的浮比动动动率) 　　 四、解除保合同保算法动动动动 动动动动动动动动动　　根据《机交通事故任制保条强例》定解除保合同动动动动动动动动动,保人按如下准算退投保人保。动动动动动动动动动动动动动动动 动动　　 1、投保人已交保,但保任动动动动动动动动动动动动动动动动动动动动动动动动尚未始的,全退保, 2、投保人已交保,但保任动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动已始的,退回未到期任部分保:退保=保动动×(1-已了任动动动动天数/保期动动动动动天数) 　　 机交通事故任动动动动动动动动动制保款强 中国保会动动 2006.6.28 动 动 第一条根据《中人民共和国道路交通安全法》、《中人民共和国保法》、《机 动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动 动动交通事故任制保条例》　　等法律、行政法,制定本条款。强 第二条机交通事故任 动动动动动动动动动动动动动动动动动动动动动制保，以下称交,合同由本强强 条款与投保、保、批和动动动动动动动动动动动动动动动动动动动动动动动动动合同有强特定共同成。凡与交 的定,动动动动动动动 动动　　都当采用面形式。 第三条交率行与被保机道路交通安全法行、交通 动动动动动动动动动动动动动动动动动动动动动动动动强 事故相动动动动动动动 动动　　系的浮机制。 动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动交合同,投保人当一次支付全部保。保按照中国保督强 管理委动动动动动动动动动 动动率算。　　会，以下称保会,批准的交强 定　　 动 第四条交合同中的被保人是指投保人及其允的合法人。 动动动动动动动 动动强　　 投保人是指与保人立交动动动动动动动动动动动动动动动动动动动动动动动动动动动合同,并按照合同有支付保的机强 的所有人、管理人。　　 第五条交合同中的受害人是指 动动动动动动动动动动动动动动动动动动动强因被保机生交通事故遭受人身亡或者动动动动动动动动动动动动动动动动动 动动失的人,但不包括被保机本上人、被保人。　　 第六条交合同中的任限是指被保机生交通事故,保 动动动动动动动动动动动动动动动动动动动动动强 动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动人次保事故所有受害人的人身亡和失所承担的最高每金。动动任限分死亡残限、医用限、失限以及被保动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动人在道路交通事故中无任的限。其中无任的限分无任死亡残动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动 动动限、无任医用限以及无任失限。　　 第七条交合同中的救用是指被保机生交通事故 动动动动动动动动动动动动动动动动动动动动强 致受害人受,医机构生动动动动动动动动动动动动动动动动动动动动动动动命体征不平和然生命体征平动动动动动动动动动动动动动动动动动动动动动动但如果不采取理措施会生生命危,或者致残疾、器官功能障碍,或者致动动动动动动动动动动动动动动动动动动动动动病程明延的受害人,参照国院生主 管部制定的交通事故人动动动动动动动动动动动动动动动动动动动动动动动动动动动床指南和国家基本医 保准,动动动动动动动动动动动动动动动动动动动动动动 采取必要的理措施所生的医用。 保任　　动动 第八条在中人民共和国境内，不 动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动含港、澳、台地区,,被保人在使用被保机动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动程中生交通事故,致使受害人遭受人身亡或者失,依法当由被保人承担的害任,保人按照交动动动动动动动动动动动动动动动动动动动动动动动动动动动动动合同的定次事故在下列强每 限内:动动动动动 动动 　　 ，一,死亡残限动动动动动动动50000元,，新版动动动动动定此110000元,　　 ，二,医用限动动动动动动动动8000元,，新版动动动动动定此10000元,　　 ，三,失限动动动动动动动动动2000元,，新版动动动动动定此2000元,　　 ，四,被保人无任,无任死亡残限动动动动动动动动动动动动动动动动动动动10000元,无任医用限动动动动动动动动动动动 1600元，新版动动动动动定此1000元,,无任失限动动动动动动动动动动动400元，新版动动动动动定此100元,。 死亡残限和无任死亡残限下动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动葬、死亡、受害人动动动动动动动动动动动动动动动动动动动动动动动动动动属理葬事宜支出的交通用、残疾金、残疾助 器具、理、动动动动动动动动动动动动动动动动动动动动动动动动动动动康、交通、被扶人生活、住宿、 工动动动动动动动动动动动动动动动动动动动动动动动动动动,被保人依照法院判决或者解承担的精神害慰金。　　 医用限和无任医用限下动动动动动动动动动动动动动动动动动动动动动动动动动医、、住院、动动动动动动动动动动动住院伙食助动动动动动动动动动动动动动动动动动动动动动动动动,必要的、合理的后治、整容、。　　 动动 付与追　　 第九条被保机在本条，一,至，四,之一的情形下生交通事故,造 动动动动动动动动动动动动动动动动动动动动动动动动动动动动成受害人受动动动动动动动动动动动动动动动动动动动动动动动动动需要救的,保人在接到公安机交通管理部的 面通知和医机构出具的救用动动动动动动动动动动动动动动动动动动动动动动动动动动动清后,按照国院生主管部 制定的交通事故人动动动动动动动动动动动动动动动动动动动动动动动动动动动动床指南和国家基本医保准行核。于符合定的救用,保人在医用限内付。被保人在动动动动动动动动动动动动动动动动动动动动动动动动动动动动动交通事故中无任的,保人在无任医用限内付。动动动动动动动动动动动动动动动动动动动动动动动动动动动动于其他失和用,保人不付和。动动动动动动动动动动 动动　　 ，一,人未取得格的,动动动动动 动动　　 ，二,人醉酒的,动动 　　 ，三,被保机被盗期肇事的,动动动动动动动动动动 动动　　 ，四,被保人故意制造交通事故的。动 　　 动动动动动动动动动动动动动动动动动动 动动于　　付的救用,保人有向致害人追。 动 任免除　　 第十条下列失和用,交 动动动动动动动动动动动 动动不和付:　　强 ，一,因受害人故意造成的交通事故的失,动 　　 ，二,被保人所有的及被保机上的动动动动动动动动动动动动动动动动动 动动　　遭受的失, ，三,被保机生交通事故,致使受害人停、停、动动动动动动动动动动动动动动动动动动动动动动停、停动动动动动动动动动动动动动动动动动动动动动动动动水、停气、停、通或者网中断、数据失、 动动动动动动动动动动动动动动动动动动动动动动动动动动化等造成的失以及受害人因市价格造成的、修理后因价动动动动动动动动动动动动动降低造成的失等其他各损损损接失,　　 ，四,因交通事故生的损损损损损损损损损损损损损损损损损损损仲裁或者用以及其他相用。　　 保期　　动动 第十一条除国家法 动动动动动动动动动动动动动动动动动动动动律、行政法另合同的保期一年,以有定外,交强 保明的起止准。动动动动动动 动动　　 投保人、被保人　　动动动 第十二条投保人投保,当如 动动动动动动动动动动动动动动动动动动动动填写投保,向保人如告知重要事,并提供被保机的行和动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动印件。重要事包括机动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动的、厂牌型号、代、号牌号、使用性和机所有人 或者管理人的姓名，名称,、性、年、住所、身份或者号，机构动动动动动动动动动动动动动动动动动动动动动动动 代,、保前机生事故的情况以及保会定的其他事动动动动动动动动动动动动动动动动动动动动动动动动动动动动动 。　　 投保人未如告知重要事,保算有动动动动动动动动动动动动动动动动动动动动动动动动动影响的,保人按照保动动动动 年度重新核定保收。　　 第十三条交合同,投保人不得在保条款和保率之外,向保 动动动动动动动动动动动动动动动动动动动动动动动动动动动强 人提出附加其他条件的要求。　　 第十四条投保人保的,当提供被保机上一年度交 动动动动动动动动动动动动动动动动动动动动动动的保强。 　　 第十五条在保合同有 动动动动动动动动动动动动动动动动动动动动动动动动动效期内,被保机因改装、加装、使用性改等动动动动动动动动动动动动动动动动动动动动动动动动动动动致危程度增加的,被保人当及通知保人,并 动动动动动动动动动动动动动动动动动动动动动动动动动理批改手。否,保人按照保年度重新核定保收。 第十六条被保机生交通事故,被保人当及 动动动动动动动动动动动动动动动动动动动动动动动动动采取合理、必要的施救和保动动动动动动动动动 动动　　措施,并在事故生后及通知保人。 第十七条生保事故后,被保人当 动动动动动动动动动动动动动动动动动动动动动动动动动动动极助保人行勘和事故。　　动动 损损损损损损损损损损损损损损损损损损损损损损损生与保有的仲裁或者,被保人当及损损损损面通知保人。 　　 动动动 理　　 第十八条被保机生交通事故的,由被保人向保人 动动动动动动动动动动动动动动动动动动动动动动动动动动动动申保金。 被保人动动动动动动动动动动动动动动动动 动动　　索,当向保人提供以下材料: ，一,交的保,　　强动动动 ，二,被保人出具的动动动动动 动动　　索申, ，三,被保人和受害人的有动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动效身份明、被保机行和人的, 　　 ，四,公安机交通管理部出具的事故明,或者人民法院动动动动动动动动动动动动动动动动动动动动动动动动等机构出具的有法动动动动动 动动　　律文及其他明, ，五,被保人根据有法动动动动动动动动动动动动动动动动动动动动动动动动动动律法定自行商方式理交通事故的,当提供依照《交通事故理动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动程序定》定的交通事故情况的动动 ,　　 ，六,受害人失动动动动动动动动动动动动动动动动动动动动动动动程度明、人身残程度明、相医明以及有失动动动动动动动动动动清和用据; 　　 ，七,其他与确动动动动动动动动动动动动动动动动动动动动动动动保事故的性、原因、失程度等有的明和动 料。　　 第十九条保事故生后,保人按照国家有法 动动动动动动动动动动动动动动动动动动动动动动动动动动动动动律法定的范、目和准以及交动动动动动动动动动动动动动动动动动动动动动动动动动动动合同的定,并根据国院生主管部制定的交通强事故人动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动的任限内核床强指南和国家基本医保准,在交 定人身亡的动动动动动 动动　　金。 第二十条 动动动动动动动动动动动动动动动动动动动动动动动动动动动因保事故造成受害人人身亡的,未保人面同意,被保人自行承或支付的动动动动动动动动动动动动动动动动动动动动动动动动任限内有重强金新,保人在交核定。 　　 因保事故动动动动动动动动动动动动动动动动动动动动动动动动坏的受害人需要修理的,被保人当在 修理前会同保人,商动动动动动动动动动动动动动动动动动动动动动动动确定修理或者更目、方式和用。否动动动动动动动动动动动动动动动动动动动 任限内有重,保人在交强新核定。 第二十一条被保机生 动动动动动动动动动动动动动动动动动动动动动动动及受害人受的交通事故,涉因救受害 人需要保人支付救用的,保人在动动动动动动动动动动动动动动动动动动动动动动动动接到公安机交通管理 部的面通知和医机构出具的救用动动动动动动动动动动动动动动动动动动动动动动动动动动动动动清后,按照国院生 主管部制定的交通事故人动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动床指南和国家基本医保准行核。动动动动动动动动动动动动动动动动动动动动动动动动动动动动动于符合定的救用,保人在医用限内支付。 被保人在交通事故中无任的,保人在无任医用限内支付。动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动 　　 合同更与止动动 动动　　 第二十二条在交合同有 动动动动动动动动动动动动动动动动动强效期内,被保机所有生移的,投保人动动动动动动动动动动动动 动动当及通知保人,并理交合同更手。　　强 第二十三条在下列三情况下,投保人可以要求解除交 动动 合同:　　强 ，一,被保机被依法注登的,动动动动动动动动 动动　　 ，二,被保机理停的,动动动动动动动 动动　　 ，三,被保机公安机失的。动动动动动动动动动动动 动动　　 交合同解除后,投保人当及将保、保志交保人,无法强动动动动动动动动动动动动动动动动动动动动动动 交回保志的,当向保人明情况,动动动动动动动动动动动动动动动动动动 动动　　征得保人同意。 第二十四条生《机交通事故任 动动动动动动动动动动动动动动动动动动动制保条例》所列明的投保人强、保人解除交动动动动动动动动动动动动动动动动动动动动动动动动动动合同的情况,保人按照日率收取自保任始强之日起至合同解除之日止期的保。动动动 动动　　 附　　 动 第二十五条 动动动动动动动动动动动动动动动动动动动动动因履行交合同生强争的,由合同当事人商解决。商不成的,提交保明的动动动动动动动动动动动动动动动动动动动动动动动动动动动动仲裁委会仲裁。保未明仲裁机构或者争生后未达成仲裁动动动 动动　　的,可以向人民法院起。 第二十六条交合同 动动动动 动动强争　　理适用中人民共和国法律。 第二十七条本条款未 动动动动动动动动动动动动动动尽事宜,按照《机交通事故任制保条例》行。强 动动动动本段 动动动动动动动动动动动动动动动动动动动动动动动动动的人越来越多,但不少主在自己的保往往一水。面名目繁多的,保不同的保公司,动动动动动动动动动动动动动动动动动动动动动动动动动动究竟如何最适合自己的动动动 　　品呢, 交强动动动动 必　　 根据《机交通事故任动动动动动动动动动动动动动动动制保条例》定,从强2008年8动动动动动动始,所有的新和保到期的保动动动动动动动动动动动动动动动动动动动动动动动动动动动动。以六必坐以下例:其中强交私家保950元,企非汽动动动动动动1000元,机动动动动动动非汽950元,出动动动动动动租租1800元。保公司将根据动动动动动动动动动动动动动动动动动售票行判断。 新动动动动“” 求全　　 除了国家制定的交强强动动动动动动动动动动动动动动动动动动动动动动动动动动动动动,新主需一些必要的商,其中包括 动动动动动、三 、 盗、上人动动动动动动动动动等。　　 附加动动动 　　酌情 动动动动动动动动动动动动动动动动动动动动动动动动主可以根据自己汽的状况与使用情况,有 性地附加。动动动动动动动动动动动动动些包括:动动动动动动动动动动动动动独玻璃破碎、划痕、不免等。如果您的动动动动动动动动动动动动动动动动动动动动动动常出入交通混乱的市等地,容易刮蹭漆面,您就可以考动动动动动动动动动动动动动动动动动动动动动动动动一份划痕。如果不得不停放在建筑工地旁的停, 常有动动动动动动动动动动动动动动动动动动动动动动动动动来的小石,您的玻璃又价不菲,那就建您 独投保一份玻璃破碎动动动动动动动动动动动动动动动动动动动动,以避免失。此外,夏天天气,汽动动动动动动动动动动动动动动动动动动动动动动动容易生自燃,您在条件充裕的情况下也可以自燃动,做到有无动 　　患。 要提醒大家的是,新新动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动手免磕磕碰碰,生事故的率也相高,因此,保家建主,如动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动果是采用分期付款方式了新,按要求您必置全,如果您采用全款的方式了一动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动新,您本人又是一名新手,了减少失,可以考除自燃失外的所 有投保内容。　　保公司要 动动动 动动动动动动动动动动动动动动动动动动动动　　在确定了的以及可以得的惠以后,我动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动在的程中如何保公司,程中注意哪些呢,内人士建,如果您的是动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动新,而且价相高,可大公司的。因越高档的,修理用也相动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动越高,一旦出事故,可能承受的力也就越大,而大公司的付度相会高一些,定点修动动动动 动动动动动动动动动动动动动动动动动动动动　　但从支付的保厂的也比高。来看,一般而言,相同的型和,大公司的保要动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动比小公司高。如果您的是旧,或者价不高,修理用也不会很高昂,并且您的技动动动动动动动 动动动动动动动动　　又比另成熟,外,家提小公司比划算。醒投保人, 如果您的动动动动动动动动动动动动动动动动动动动动动动动动动动常出外跑途,那尽量比大的保公司来 投保,因动动动动动动动动动动动动动动动动动动动动动动动的保公司在全国各地都有分公司,遇到麻 可即动动动动动动动动动动动动动动动动动动动动动动动动在当地理定、理等。此外,家提示,主投 保不动动动动动动动动动动动动动动动动动动动动动动动动动动能只重价格,合自己用的情况来决定, 比如是否常动动动动动动动动动动动动动动动动动动动动动动动动动动动动动跑途、是否指定人等,合出所需要的服等。动动动动本段注意的 　　不要重投保动 动动动动动动动动动动动动动动　　有些投保人自以多投几份保,就可以使被保 动动动动动动动动动动动动动动动动动动多几份。按照《保法》第四十条定:"重保的动动动动动动动动动动动动动各保人的金动动动动动动动动动动动动动的和不得超保价。"因此,即使投保人重投保,动动动动动动动动动动动动动动动也不会得到超价款。 不要超动动 动动动动动动动动动　　有投保或不足投保些主,明明价10万元,却投保了15万元的保,动动动动动动动动动动动动动动动动多花就能多付。而有的价20万元,却投保了10万元。动动动动动动动两投保都不能得到有效的保障。依据《保法》第三十九条定:动动动动动动动动动动动"保动动动动动动动动动动金不得超保价动动动动动动动动动动动动动动动动动动动动动动动动动动,超保价的,超的部分无效。保金低于保价 的,除合同另有定外,保人按照保动动动动动动动动动动动动动动动动动动动动动动动动动动动动金与保价的比例承担任。"所以超动投保、不足投保动动动动动动动动动动动动动动都不能得外的利益。 保要保全动动动动 　　有些动动动动动动动动动动动动动动动动动动动动动动动动动主了省保,想少保几,或者只保,不 保第三者任,或者动动动动动动动动动动动动动动动动动动动动动动动动只保主,不保附加等。其各都 有各自的保任,动动动动动动动动动动动动动动动动动动动动动动假如真的出事,保公司只能依据当 初动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动立的保合同承担保任予付,而主的其它一些失有可能就得不到。及保动动动 　　有些动动动动动动动动动动动动动动动动动动动动动动动主在保合同到期后不能及保,但天有不 云,万一动动动动动动动动动动动动动动动动动动动动就在几天出了事故,不是悔之矣。 要动动动动动动动动真保 　　当你接到保,一定要动动动动动动动动动动动动动真核,看看损损损损损损损损损损据第三是否采用了白色无碳损损损损损损损损损损损损损损损损损损损损损损损写印刷并加印浅褐色防底,其左上角是否印"中国保督管损损损损理委损损损损会制"字损损损损损损损损损,右上角是否印有"限在××省，市、自治区,损损售"的字损损,如果没有可拒。损损损损 注意核代理人动动动动动动动真 　　投保要国家批准的保公司所动动动动动动动动动动动动动动动动动动动动动动属机构投保,而不 能只省动动动动动动动动动动动动动动动动动动动动动动动动事随便找一家保代理机构投保,更不能被所的"高返动"所引动动动动动,只求小利而上假代理人的当。 核保动动动 　　理动动动动动动动动动动动动动动动动动动动动动动动动动动完保手拿到保正本后,要及核保上所列 目如牌号、机号动动动动动动动动动动动动动动动动动动动动动动动等,如有漏,要立即提出更正。 随身携动动动动保卡 　　保动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动卡随携,如果生事故,要立即通知保公司并向交通管理部案。提前保动动 　　住保的动动动动动动动动动动动动动动动动动截止日期,提前理保。 注意莫生"动动"伎动 　　有极少数人,动动动动动动动动动动动动动动动动动动动动想把保当成的捷径,如有的先出后 投保,有的人地制造出事故,有的造、动动动动动动动动动动动动动动动动动动动动动涂改、添加修、 医动动动动动动动动动动动动动动动动动动动动动动动动动动等票和明,些都属于的范,是触犯法律的行 动动动动动动动动动动动动动动动动。因此各位主在些上,千万不要耍小"动明"。 动动动动动动动动动中第三方的界定 　　保公司的动动动动除外任动动中有一条定动动动动动动“被保人或其允的人以动动动动动动动动动动动及他的家动动动动动动动动动动动动动动动动动动动动动动动动动庭成的人身亡、及其所有或保管的的失”动动动动动动动动,汽生事故的动动动动动动动动动动动动动动动动动动动动动动动及其家庭成、被保人的家庭成是不算在第三方范内 的。汽动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动保条款定是了防范被保人了取保金而家庭成行故意害。动动动动动中的酒行 　　今年3月1日起,逐行酒后与机交步强动动动动动动动动动动动动动动动动动动率系浮制度以来,截至目前,已有北京、内蒙古、上海、福建、河南、湖北、安徽、广西、海南、四川、甘动、青海等12个省，区、市,行一制度。动动动动动动动8月1日起,动动动动动动动动动动动动动动动宁省也将行酒后法行与交通事故任制保率动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动强系浮制度。至此,交酒挂制度在全国范全面。强 具体的浮动动动动动动动动动动动动动动动动动动生一次酒后交通准是:上年，指上一个保年度,每 动动动动动动动动动动动动动动动动动动动动动法行率上且尚未理的,被机次年交浮强15%,上年生一次酒后交通每动动动动动动动动动法行动动动动动动动动动动动动动动动动动动动动动动率上且已浮强理完的,被机次年交10%。上年生一次醉酒后交通法每动动动动动动动行动动动动动动动动动动动动动动动动动动动动率上且尚浮未理的,被机次年交强30%,上年生一次醉酒后交通法行每动动动动动动动动动且已动动动动动动动动动动动动动动动动动动动率上理完浮强的,被机次年交25%。　　 动动动动动动动动动动动动动于主接受酒后的,其 交的率将低强动动动动动动 5% 左右,动动动动动动动动动动动动动动动动动动动于不主并且超年度保接受理的,其交的率将以的率收取,强动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动于没有酒后行的,其交的率强持不。动动动本段理 　　一、随携动动动动动动动动机《三一损损损》的清晰动动动动动印件、即损损损损损损损损损损主身份、、行和保大损损损。在此特动动动动动动动动动动动动动动动动动动动动动 动动动　　二提醒大家,在多保公司的保小卡已不再作理凭。出及动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动案非常重要,尤其是重大事故。打保公司案需要提供保号、出、地动动动动动 　　三、点、事故性等基本情况。动动动动动动动动动动动牌照一般只理了短期交保,强动动动动动动动动动动动且有定路和,在定以外的路和生的意外事故保公司不承担付动动动动动动动动动动动动动动动动动动动动动动动动动动动 动动动动动动动动动动动动动动动动动动动动动动动动任。　　四、异地出,及保公司,由出地定人 动动动动动动动动动动动动动动动动动动动动动动动动行代勘定。付用一般按出地的行准估价,若有局部损损损损损坏回到投保地才损损损损损损损损损损损损损损损损损损损损损损损的,部分的修理用保公司可定。 动动动动动　　五、被保人如果要委托修理厂理,或将事故直动动动动动动动动动动动动动动动动动动动动动动动动动接划修理厂的,自 授动动动动动动动动动动动动动动动动动动动动动动动动动动次委托修理,与每,并保公司修理厂案量。 合同,动动动动动动动动动动动动动动才能自己的合法益。 动动动动动动本段如何行交理强 　　保公司动动动动动动动动动动动动动动动动动动动动动动动理手和已化强流程了交、短了案周期、 完善了救用付机制。主在交动动动动动动动动动动动动动动动动动动动动动动动动动动,注意保公司强 的理号。交动动动动动动动动动动动动动动动动动动动动动动动动动动动申强涉理如及第三者亡或失的道 路交通事故,被保人动动动动动动先系120急救动动(如有人身亡动动),动动打110交警,并动动动动动打保公司的动动动动动动动动动动动动动动动动动动动动动动动动动动案,配合保公司勘,可以根据情况 要求保公司支付或付救。保公司会告知被保人或动动动动动动动动动动动动动动动动动动动动动动动动 者受害人具体的动动动动动动动动动动动动动动动动动动动动动动程序等有事。保公司理受理后,有 方动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动的保公司行勘,受害人的失行核定。保公司收到申之日起 1 天内,面告知动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动动需要提供的与有的明和料,自收到明和料之日起 5 日内,动动动动动动动动动动动动动动动动动动动动动动动是否属于保任作出核定,并将果通知被保人。不属 于保任的,当面明理由。动动动动动动动动动动动动动动动动动动动动动动动动动动属于保任的,在与被 保人动动动动动动动动动动动动动达成保金的后 10 日内,付动动保动动金 动动动动动动动动动动动动动动本段强强制施交制度公众有什好 　　建立交制度有利强动动动动动动动动动动动动动动动于道路交通事故受害人得及的付和医救治;有利于减动动动动动动动动动动动动动动交通事故肇事方的担,化解;通行动动“动动动”动动动动动动动动动动劣的率浮机制,有利于促人动动动动动动动动动交通安全意增强;有利于充分保的保障动动动动动动动动动动动动动动动动动功能,社会定。