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　　在我國，機(jī)動車被要求必須購買交強(qiáng)險，不然車主就會收到處罰。那么，機(jī)動車交搶險賠償有哪些情形和范圍呢?以下是由學(xué)習(xí)啦小編為大家整理的相關(guān)資料，希望能幫到你們。</p><h2> 　　機(jī)動車交強(qiáng)險賠償?shù)那樾魏头秶?/h2><p> 　　(一)車下投保人被自己車輛撞傷，交強(qiáng)險應(yīng)當(dāng)賠償</p><p> 　　注意：交強(qiáng)險中的所謂“被保險人”，是需要特定化的概念，只有在交通事故發(fā)生時才能確定。因此，投保人允許的合法駕駛?cè)笋{駛機(jī)動車造成非本車上人員的投保人損害時，被保險人為投保人允許的合法駕駛?cè)硕峭侗Ｈ耍侗Ｈ舜藭r與其他人一樣，處于第三人的地位，交強(qiáng)險應(yīng)予賠償。</p><p> 　　最高人民法院《關(guān)于審理道路交通事故損害賠償案件適用法律若干問題的解釋》第十七條規(guī)定：“投保人允許的駕駛?cè)笋{駛機(jī)動車致使投保人遭受損害，當(dāng)事人請求承保交強(qiáng)險的保險公司在責(zé)任限額范圍內(nèi)予以賠償?shù)?，人民法院?yīng)予支持，但投保人為本車車上人員的除外。”</p><p> 　　(二)本車人員在下車被本車撞傷，交強(qiáng)險應(yīng)當(dāng)賠償。</p><p> 　　注意：判斷因保險車輛發(fā)生交通而受害的人屬于第三者還是屬于車上人員，必須以該人在交通事故發(fā)生當(dāng)時這一特定的時間是否身處保險車輛之上為依據(jù)，在車上即為車上人員，在車下即為第三者。交通事故發(fā)生當(dāng)時這一特定時間，應(yīng)當(dāng)是指受害者受到傷害的這一刻，而不是事故危險開始發(fā)生時。</p><p> 　　本車人員在下車被本車撞傷，交強(qiáng)險應(yīng)當(dāng)賠償。理由是：(1)從目的解釋看，《交強(qiáng)險條例》的主要目的是保障受害人能夠得到及時有效的補(bǔ)償，因此，因交通事故受到損害的人員應(yīng)盡量納入“第三者”范圍;(2)從對危險的控制力看，上述人員與其他普通“第三者”對機(jī)動車危險的控制力并無實質(zhì)差別，均處于弱勢地位。</p><h2> 　　機(jī)動車交強(qiáng)險不予賠償?shù)那樾魏头秶?/h2><p> 　　1、道路交通事故的損失是由受害人故意造成的，保險公司不予賠償。</p><p> 　　2、《交強(qiáng)險條例》第二十二條有下列情形之一的，保險公司在機(jī)動車交通事故責(zé)任強(qiáng)制保險責(zé)任限額范圍內(nèi)墊付搶救費用，并有權(quán)向致害人追償：(一)駕駛?cè)宋慈〉民{駛資格或者醉酒的;(二)被保險機(jī)動車被盜搶期間肇事的;(三)被保險人故意制造道路交通事故的。</p><p> 　　有前款所列情形之一，發(fā)生道路交通事故的，造成受害人的財產(chǎn)損失，保險公司不承擔(dān)賠償責(zé)任。</p><p> 　　3、《交強(qiáng)險條例》第十條下列損失和費用，交強(qiáng)險不負(fù)責(zé)賠償和墊付：</p><p> 　　(一) 因受害人故意造成的交通事故的損失;(二)被保險人所有的財產(chǎn)及被保險機(jī)動車上的財產(chǎn)遭受的損失;(三)被保險機(jī)動車發(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產(chǎn)因市場價格變動造成的貶值、修理后因價值降低造成的損失等其他各種間接損失;(四)因交通事故產(chǎn)生的仲裁或者訴訟費用以及其他相關(guān)費用。</p><h2> 　　機(jī)動車交強(qiáng)險投保索賠的注意事項</h2><p> 　　(1)投保時，投保人應(yīng)當(dāng)如實填寫投保單，向保險公司如實告知重要事項，并提供被保險機(jī)動車的行駛證和駕駛證復(fù)印件。</p><p> 　　(2)簽訂交強(qiáng)險合同時，投保人應(yīng)當(dāng)一次支付全部保險費。不得在保險條款和保險費率之外，向保險公司提出附加其他條件的要求。</p><p> 　　(3)應(yīng)當(dāng)在被保險機(jī)動車上放置保險標(biāo)志。</p><p> 　　(4)在保險合同有效期內(nèi)，被保險機(jī)動車因改裝、加裝、使用性質(zhì)改變等導(dǎo)致危險程度增加的，被保險人應(yīng)當(dāng)及時通知保險公司，并辦理批改手續(xù)。</p><p> 　　(5)交強(qiáng)險合同期滿，投保人應(yīng)當(dāng)及時續(xù)保，并提供上一年度的保險單。</p><p> 　　(6)被保險機(jī)動車發(fā)生交通事故，被保險人應(yīng)當(dāng)及時采取合理、必要的施救和保護(hù)措施，并在事故發(fā)生后及時通知保險公司。同時，被保險人應(yīng)當(dāng)積極協(xié)助保險公司進(jìn)行現(xiàn)場查勘和事故調(diào)查。發(fā)生與保險賠償有關(guān)的仲裁或者訴訟時，被保險人應(yīng)當(dāng)及時書面通知保險公司。<br/></p><p style="margin: 5px 0px; color: rgb(0, 0, 0); font-family: sans-serif; font-size: 16px;"> 機(jī)動車交強(qiáng)險賠償?shù)那樾畏秶心男┫嚓P(guān)文章：</p><p style="margin: 5px 0px; color: rgb(0, 0, 0); font-family: sans-serif; font-size: 16px;"> 1.<a _href="http://www.rzpgrj.com/news/567268.html" href="http://www.rzpgrj.com/news/567268.html" target="_blank">2017年新規(guī)汽車保險政策盤點</a></p><p style="margin: 5px 0px; color: rgb(0, 0, 0); font-family: sans-serif; font-size: 16px;"> 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