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追偿!西安洒水结冰致38车连撞 保险公司:或向城管部门追偿
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Topic: 追偿!西安洒水结冰致38车连撞 保险公司:或向城管部门追偿 (Read 139 times)
hdd3go
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追偿!西安洒水结冰致38车连撞 保险公司:或向城管部门追偿
December 11, 2017, 10:01:42 AM
#1
近日,西安市发生了38辆车相撞的系列车祸,起因为城管部门洒水清洁地面导致路面结冰。事发至今已经超过一周时间,事故车辆的理赔问题多方关注。12月10日,记者采访涉事的包括平安财险、人保财险、太平洋财险等多家保险公司均称,目前已经按照正常程序启动车辆理赔,先行赔偿,不排除后期行使“代位追偿”权,向城管部门追偿。
12月2日7点45分左右,西安市莲湖区西二环开远门桥发生了一起涉及38辆车的多车相撞事故,造成2人轻伤。而事故的起因,当地城管部门洒水清洁地面导致路面结冰,诱发了系列车祸。
律师:车主对事故认定书“不提道路结冰”有异议 可提起民事诉讼
记者查询西安市城市管理局的相关规定发现,气温达到3℃以下时,要立即停止一切形式的冲洒水作业。而事发前12月1日20时到12月2日20时,西安市的最低气温仅为—1℃。大部分的当事人认为,是城管部门违规洒水作业,造成路面结冰,引发车辆事故。据了解,交警给出的事故认定书中明确,属于追尾事故,后车承担全部责任,事故认定书中并没有对道路环境进行陈述。
对此,律师表示,若要进行赔偿,首先应由交通管理部门确定事故责任,并由事故责任各方按照事故责任比例对事故损失进行赔偿。按照目前给出的事故认定出来看,事故被定性为多起交通事故,并非由道路结冰诱发。车主对事故认定书有异议,可以依法提出复核或直接向法院提起民事诉讼,如果是在法院诉讼阶段,可由法院对事故赔偿责任进行决定。
保险公司:已对事故车辆先行赔偿 超出赔偿限额或将向城管部门追偿
据了解,此次事故车辆涉及众多保险公司,其中也包括平安、人保财险等大型保险公司。对此,平安财险、人保财险、太平洋财险方面已经明确,已经启动车辆理赔,先行赔偿。
“这种事故,一般都会按照交警的事故认定书进行理赔。目前,我们对事故车辆已经启动了相关的理赔程序。”平安财险相关负责人方面表示,交强险赔偿限额范围内的已经开始先行赔付。“在赔付中发现不少责任车辆已经购买了商业第三者责任险和车损险,保险赔偿限额范围内,也会按照事故责任比例进行赔付。”该负责人表示,追尾事故,均是后车追尾对事故负全责,而车辆前后都受损,则车后受损由后车赔偿,车前追尾由本车主赔偿。
人保财险方面则表示,不论是交强险、商业第三者责任险、车损险,只要在保险赔偿限额范围内的都会先行赔付。对于超出保险赔偿限额范围的,多家保险公司表示会行使“代位追偿”权,向城管部门追偿。
根据《侵权责任法》第八十九条的规定,在公共道路上倾倒、遗撒妨碍通行的物品造成他人损害的,有关单位或者个人应当承担侵权责任。
Evelynrr
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Re: 追偿!西安洒水结冰致38车连撞 保险公司:或向城管部门追偿
December 12, 2017, 12:43:39 AM
#2
追尾事故,后车承担全部责任,事故认定书中并没有对道路环境进行陈述。
Troyawrtpopm
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Activity: 91
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Re: 追偿!西安洒水结冰致38车连撞 保险公司:或向城管部门追偿
December 12, 2017, 01:04:53 AM
#3
对于超出保险赔偿限额范围的,多家保险公司表示会行使“代位追偿”权,向城管部门追偿。
Joshe-Roberts
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Activity: 65
Merit: 10
Re: 追偿!西安洒水结冰致38车连撞 保险公司:或向城管部门追偿
December 12, 2017, 01:38:56 AM
#4
大部分的当事人认为,是城管部门违规洒水作业,造成路面结冰,引发车辆事故。
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