【理(li)賠(pei)期限(xian)(xian)】交(jiao)通事(shi)故(gu)賠(pei)償有期限(xian)(xian)嗎(ma) 交(jiao)通事(shi)故(gu)保險理(li)賠(pei)期限(xian)(xian)
一、交通事故賠償有期限嗎?
交(jiao)通(tong)事(shi)故賠(pei)償有期(qi)限。人(ren)身傷害的(de)(de)訴訟時(shi)(shi)效是一(yi)年(nian),從(cong)傷害行(xing)為發生(sheng)之日起算(suan)。受(shou)害人(ren)應當在治療終結(jie)后(hou)一(yi)年(nian)內(nei)向(xiang)對方(fang)主張賠(pei)償,否(fou)則過訴訟時(shi)(shi)效。交(jiao)通(tong)事(shi)故致身體受(shou)傷、殘疾(ji)或死(si)亡的(de)(de),其(qi)民(min)事(shi)訴訟的(de)(de)時(shi)(shi)效為1年(nian)。交(jiao)通(tong)事(shi)故造(zao)成財產損失的(de)(de),其(qi)民(min)事(shi)訴訟時(shi)(shi)效為2年(nian)。既有人(ren)身傷害又有財產損失的(de)(de),訴訟時(shi)(shi)效應分別計算(suan)。
1、訴訟時(shi)(shi)效不是(shi)從(cong)事(shi)故發生之(zhi)日起(qi)(qi)算(suan)的,而是(shi)從(cong)當(dang)事(shi)人知道自己的權利被侵害之(zhi)日起(qi)(qi)算(suan)的,只(zhi)要你一直在向侵權者主(zhu)張權利,時(shi)(shi)效就(jiu)不開始計算(suan)。
2、對于人身損害(hai)(hai)賠償的(de)訴(su)訟時(shi)效 ,民(min)法通則的(de)規(gui)定是從知(zhi)道(dao)或者應(ying)(ying)當(dang)(dang)知(zhi)道(dao)權利(li)被侵害(hai)(hai)之(zhi)日起(qi)計(ji)算。傷(shang)(shang)情(qing)明(ming)(ming)顯(xian)的(de),應(ying)(ying)從傷(shang)(shang)害(hai)(hai)之(zhi)日起(qi)計(ji)算,傷(shang)(shang)情(qing)需要治(zhi)療的(de),應(ying)(ying)從治(zhi)療結束之(zhi)日起(qi)計(ji)算,因為這時(shi),受害(hai)(hai)人才知(zhi)道(dao)被侵害(hai)(hai)了那些權利(li)。傷(shang)(shang)情(qing)當(dang)(dang)時(shi)不能發現的(de),應(ying)(ying)從傷(shang)(shang)情(qing)被發現之(zhi)日起(qi)計(ji)算,當(dang)(dang)然,得有相(xiang)關的(de)證據證明(ming)(ming)后發現的(de)傷(shang)(shang)情(qing)為交通事故所致(zhi)。
3、對于交通事(shi)故(gu),如(ru)果涉及到人身(shen)(shen)傷害的(de)(de),訴(su)訟時效是一年(nian),沒調解的(de)(de)自(zi)醫療終(zhong)(zhong)結(jie)或者定殘之(zhi)日起第二(er)天計算,醫療終(zhong)(zhong)結(jie)或者定殘之(zhi)后(hou)雙方參加調解的(de)(de),自(zi)調解終(zhong)(zhong)結(jie)之(zhi)日起第二(er)天計算。如(ru)果沒有人身(shen)(shen)傷害的(de)(de),訴(su)訟時效是兩年(nian)。對于二(er)00四年(nian)七月(yue)一日后(hou)的(de)(de)交通事(shi)故(gu), 可以不經過調解直接起訴(su)。
根據道路交(jiao)通事故(gu)處理(li)(li)(li)程(cheng)序(xu)規定,在交(jiao)通事故(gu)處理(li)(li)(li)中,公(gong)(gong)安交(jiao)通管理(li)(li)(li)部門可以暫(zan)扣交(jiao)通肇(zhao)事車輛(liang)、嫌疑車輛(liang)、車輛(liang)牌(pai)證(zheng)和當事人的駕(jia)駛證(zheng),但(dan)應(ying)開具(ju)暫(zan)扣憑證(zheng)。因檢驗、鑒定的需(xu)要,暫(zan)扣交(jiao)通肇(zhao)事車輛(liang)、嫌疑車輛(liang)、車輛(liang)牌(pai)證(zheng)和駕(jia)駛證(zheng)的期(qi)限為20日(ri);需(xu)延(yan)(yan)期(qi)的,經上一級公(gong)(gong)安交(jiao)通管理(li)(li)(li)部門批準可延(yan)(yan)長20日(ri)。
二、交通事故保險理賠期限
交通事故理賠期限(xian)是指保險(xian)條(tiao)款規(gui)定(ding)的保險(xian)人(ren)接受被保險(xian)人(ren)或受益人(ren)提出的請求賠償或給(gei)付(fu)保險(xian)金(jin)的期限(xian)。這兩種期限(xian)在(zai)保險(xian)條(tiao)款中有如下幾種表述:
1、機動車輛保(bao)(bao)(bao)(bao)險(xian)(xian)條款(kuan)(2000)第(di)(di)二十(shi)八條規定(ding):保(bao)(bao)(bao)(bao)險(xian)(xian)車輛發生保(bao)(bao)(bao)(bao)險(xian)(xian)事故(gu)后,被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)(ren)……在48小時(shi)內通(tong)知保(bao)(bao)(bao)(bao)險(xian)(xian) 人(ren)(ren)(ren)。被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)(ren)應在公安(an)交(jiao)通(tong)管理部(bu)門對交(jiao)通(tong)事故(gu)處(chu)理結(jie)案之日起10天內向保(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)(ren)提交(jiao)本(ben)條款(kuan)第(di)(di)十(shi)二條規定(ding)的或保(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)(ren)要求能證(zheng)明事故(gu)原因、性質、責任劃(hua)分和損失(shi) 確定(ding)等(deng)的各種必(bi)要單(dan)證(zheng)。第(di)(di)三十(shi)條又(you)規定(ding):被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)(ren)不履行本(ben)條款(kuan)第(di)(di)二十(shi)四條至(zhi)第(di)(di)二十(shi)九(jiu)條規定(ding)的義務(wu),保(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)(ren)有權拒絕賠(pei)償或自書面通(tong)知之日起解(jie)除(chu)保(bao)(bao)(bao)(bao)險(xian)(xian)合同;已(yi) 賠(pei)償的,保(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)(ren)有權追回已(yi)付的保(bao)(bao)(bao)(bao)險(xian)(xian)賠(pei)款(kuan)。
2、國內航空貨物(wu)運(yun)輸保險(xian)條(tiao)款第十(shi)七條(tiao)規定:在承(cheng)運(yun)人會(hui)同(tong)收(shou)貨人作(zuo)出貨物(wu)運(yun)輸事故簽證時起,被保險(xian)人如果經過180天不(bu)向保險(xian)人申請賠償,不(bu)提供(gong)必要(yao)的單據、證件,即作(zuo)為(wei)自(zi)愿(yuan)放棄(qi)權益。
3、一些人壽和健康保險條款(kuan)對保(bao)險(xian)(xian)事故(gu)(gu)通(tong)知都作了(le)類似(si)的(de)規定:投(tou)保(bao)人(ren)(ren)(ren)、被(bei)保(bao)險(xian)(xian)人(ren)(ren)(ren)或(huo)(huo)受(shou)益人(ren)(ren)(ren)自其知道保(bao)險(xian)(xian)事故(gu)(gu)發生(sheng)之日(ri)起7日(ri)內(或(huo)(huo)5日(ri)或(huo)(huo)10日(ri)內)通(tong)知保(bao)險(xian)(xian)人(ren)(ren)(ren),否則投(tou)保(bao)人(ren)(ren)(ren)、被(bei)保(bao)險(xian)(xian)人(ren)(ren)(ren)或(huo)(huo)受(shou)益人(ren)(ren)(ren)應(ying)承擔由于通(tong)知遲(chi)延致(zhi)使保(bao)險(xian)(xian)人(ren)(ren)(ren)增加的(de)勘查、調查等項(xiang)費用。
索賠時(shi)效是指法律規(gui)定(ding)的被保險(xian)人和受益人享有的向(xiang)保險(xian)公(gong)司提出(chu)賠償或給(gei)付保險(xian)金權利的期間(jian)。
如(ru)保險(xian)法第二(er)十(shi)七條的(de)規定:“人(ren)壽保險(xian)以外的(de)其(qi)他保險(xian)的(de)被保險(xian)人(ren)或者受益人(ren),對保險(xian)人(ren)請求賠償或者給付(fu)保險(xian)金的(de)權(quan)利,自其(qi)知道保險(xian)事故發(fa)生之日起二(er)年不行使而消滅(mie)。”
人(ren)(ren)壽保(bao)險的(de)被保(bao)險人(ren)(ren)或者受益人(ren)(ren)對保(bao)險人(ren)(ren)請求(qiu)給付保(bao)險金的(de)權利,自其知道保(bao)險事故發生之日起五年不行使而消滅。
4、事(shi)故(gu)發生日,如果交通事(shi)故(gu)造成的(de)損害輕微(wei),雙方能(neng)就事(shi)故(gu)責(ze)任達(da)成一致意見,不需(xu)要交警(jing)出具事(shi)故(gu)責(ze)任認(ren)定(ding)書的(de),一般自(zi)事(shi)故(gu)發生日起(qi)起(qi)算一年訴訟時(shi)效。
5、交(jiao)(jiao)警(jing)出(chu)具事(shi)(shi)故責(ze)(ze)任(ren)認定(ding)(ding)(ding)書(shu)(shu)。《道路(lu)交(jiao)(jiao)通(tong)(tong)(tong)事(shi)(shi)故處理(li)程序》規(gui)定(ding)(ding)(ding),自交(jiao)(jiao)通(tong)(tong)(tong)事(shi)(shi)故發生(sheng)之(zhi)(zhi)日(ri)起(qi)(qi),輕(qing)微(wei)事(shi)(shi)故5 日(ri)內;一般事(shi)(shi)故15 日(ri)內;重大(da)、特大(da)事(shi)(shi)故20 日(ri)內,必(bi)須作(zuo)出(chu)責(ze)(ze)任(ren)認定(ding)(ding)(ding)。因交(jiao)(jiao)通(tong)(tong)(tong)事(shi)(shi)故情(qing)節(jie)復雜不(bu)能按期作(zuo)出(chu)認定(ding)(ding)(ding)的,須報上(shang)一級公安機(ji)關交(jiao)(jiao)通(tong)(tong)(tong)管(guan)理(li)部(bu)門批準,按上(shang)述規(gui)定(ding)(ding)(ding)分別延長 5 日(ri)、15 日(ri)、20 日(ri)。事(shi)(shi)故發生(sheng)后一般交(jiao)(jiao)警(jing)部(bu)門會在(zai) 30 日(ri)內制作(zuo)《事(shi)(shi)故責(ze)(ze)任(ren)認定(ding)(ding)(ding)書(shu)(shu)》,自當(dang)(dang)事(shi)(shi)人收到《事(shi)(shi)故責(ze)(ze)任(ren)認定(ding)(ding)(ding)書(shu)(shu)》之(zhi)(zhi)日(ri)起(qi)(qi),一年訴(su)訟時(shi)(shi)效(xiao)開(kai)(kai)始起(qi)(qi)算(suan)。《中華(hua)人民共和國道路(lu)交(jiao)(jiao)通(tong)(tong)(tong)安全法(fa)》不(bu)再要求(qiu)交(jiao)(jiao)通(tong)(tong)(tong)事(shi)(shi)故必(bi)須要調(diao)解(jie),當(dang)(dang)事(shi)(shi)人協(xie)商一致可(ke)以申(shen)請調(diao)解(jie)也可(ke)以單方直接向法(fa)院提起(qi)(qi)訴(su)訟。在(zai)交(jiao)(jiao)警(jing)部(bu)門處理(li)交(jiao)(jiao)通(tong)(tong)(tong)事(shi)(shi)故過程中,有時(shi)(shi)也會進行調(diao)解(jie),如調(diao)解(jie)不(bu)成交(jiao)(jiao)警(jing)部(bu)門會出(chu)具《交(jiao)(jiao)通(tong)(tong)(tong)事(shi)(shi)故損害(hai)賠償調(diao)解(jie)終結書(shu)(shu)》,當(dang)(dang)事(shi)(shi)人自受(shou)到該終結書(shu)(shu)之(zhi)(zhi)日(ri)起(qi)(qi),一年訴(su)訟時(shi)(shi)效(xiao)也可(ke)以開(kai)(kai)始算(suan)。
上(shang)文(wen)中(zhong),就交(jiao)通事故理(li)賠期(qi)限(xian)是(shi)多久這個問題進行(xing)了回答,其中(zhong)就涉及到了受到人身損害的(de)情況下訴訟期(qi)限(xian)是(shi)多少,還有保(bao)(bao)險理(li)賠的(de)相關(guan)(guan)方(fang)面。其中(zhong)需要遵循的(de)法律條(tiao)文(wen)就有《保(bao)(bao)險法》等。其中(zhong)的(de)相關(guan)(guan)條(tiao)例(li)視情況而定,如果(guo)您還有關(guan)(guan)于這方(fang)面的(de)疑問,建議咨詢專業律師。