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首页 > 法律咨询 > 发生交通事故，对方投保的交强险赔偿了，个人购买的商业险不予赔
保险理赔

发生交通事故，对方投保的交强险赔偿了，个人购买的商业险不予赔合法吗？

1 解答 0 浏览 2016-03-16 14:37
问题补充
我骑电动车与轿车相撞入院，对方全责。我个人购买的商业险中有附加医疗和意外伤害险种。当我向参保的保险公司主张赔偿时，得到的回答是轿车方(购买了交强险)赔偿了，他们就不予赔付。请问:我个人出资购买的商业保险还有什么意义?
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律师解答 (1)
任律师律师
2016-03-16 15:53
你好。如果是重复的部分，是不予赔偿的。如果未赔偿的部分，也需要根据您所上的险种及保险合同相关条款认定是否理赔。如果您对保险公司的理赔不满，可以向法院提起诉讼。
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欠我钱的那个人签了一个房产抵押合同但是只有签字和手印，没有房产证和购房合同，有法律效应吗？
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刑事案件会见咨询
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  157. /www/wwwroot/tp8.51wf.net/app/index/route/app.php ( 33.14 KB )
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  162. /www/wwwroot/tp8.51wf.net/app/index/controller/Question.php ( 43.25 KB )
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  1. CONNECT:[ UseTime:0.000697s ] mysql:host=127.0.0.1;port=3306;dbname=dev_51wf_net;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fa_route_redirect` [ RunTime:0.000648s ]
  3. SELECT * FROM `fa_route_redirect` WHERE `status` = 'normal' AND `is_regex` = 0 AND `old_url` = '/question/1079645.html' LIMIT 1 [ RunTime:0.000390s ]
  4. SELECT * FROM `fa_route_redirect` WHERE `status` = 'normal' AND `is_regex` = 1 ORDER BY `weigh` ASC [ RunTime:0.000274s ]
  5. SHOW FULL COLUMNS FROM `fa_city` [ RunTime:0.001170s ]
  6. SELECT * FROM `fa_city` WHERE `pinyin` <> '' AND `pinyin` IS NOT NULL ORDER BY `sort_order` LIMIT 20 [ RunTime:0.000685s ]
  7. SELECT * FROM `fa_city` WHERE `pinyin` <> '' AND `pinyin` IS NOT NULL ORDER BY `pinyin` [ RunTime:0.001142s ]
  8. SHOW FULL COLUMNS FROM `fa_province` [ RunTime:0.000532s ]
  9. SELECT * FROM `fa_province` WHERE `natual_id` <> '' AND `natual_id` IS NOT NULL ORDER BY `sort_order` LIMIT 20 [ RunTime:0.000333s ]
  10. CONNECT:[ UseTime:0.126746s ] mysql:host=43.136.182.166;port=3306;dbname=ai_brain;charset=utf8mb4
  11. SHOW FULL COLUMNS FROM `fa_ai_usage` [ RunTime:0.084862s ]
  12. SELECT * FROM `fa_ai_usage` WHERE ( `user_id` = 0 AND `client_ip` = '216.73.216.109' ) AND `usage_date` = '2026-10-31' LIMIT 1 [ RunTime:0.084545s ]
  13. SHOW FULL COLUMNS FROM `fa_question` [ RunTime:0.001029s ]
  14. SELECT * FROM `fa_question` WHERE `question_id` = '1079645' AND `audit_status` = 1 AND `deletetime` IS NULL LIMIT 1 [ RunTime:0.000585s ]
  15. SHOW FULL COLUMNS FROM `fa_qa_category` [ RunTime:0.000712s ]
  16. SELECT `text`,`category_id` FROM `fa_qa_category` WHERE `category_id` IN ('10002','10023') [ RunTime:0.000337s ]
  17. SELECT * FROM `fa_province` WHERE `province_id` = '17' LIMIT 1 [ RunTime:0.000266s ]
  18. SELECT * FROM `fa_city` WHERE `city_id` = '33' LIMIT 1 [ RunTime:0.000239s ]
  19. SHOW FULL COLUMNS FROM `fa_answer` [ RunTime:0.000506s ]
  20. SELECT `a`.`answer_id`,`a`.`content`,`a`.`creator_id`,`a`.`is_best`,`a`.`is_top`,`a`.`good_rate`,`a`.`is_ai_answer`,`a`.`ai_confidence`,`a`.`claimed_by`,`a`.`createtime`,l.name as nickname,`l`.`avatar`,`l`.`username` FROM `fa_answer` `a` LEFT JOIN `fa_lawyer` `l` ON `a`.`creator_id`=`l`.`id` WHERE `a`.`question_id` = '1079645' AND `a`.`audit_status` = '1' AND `a`.`deletetime` IS NULL ORDER BY `a`.`is_top` DESC,`a`.`is_best` DESC,`a`.`good_rate` DESC,`a`.`createtime` ASC [ RunTime:0.000774s ]
  21. SELECT `question_id`,`title`,`answer_count`,`view_count`,`create_time` FROM `fa_question` WHERE `audit_status` = 1 AND `deletetime` IS NULL AND `question_id` <> '1079645' AND `second_category_id` = '10023' ORDER BY `create_time` DESC LIMIT 8 [ RunTime:0.000718s ]
  22. SHOW FULL COLUMNS FROM `fa_lawyer_expertise` [ RunTime:0.000488s ]
  23. SELECT `l`.`id`,`l`.`name`,`l`.`avatar`,`l`.`slogan`,`l`.`answer_count`,`l`.`follower_count` FROM `fa_lawyer_expertise` `e` INNER JOIN `fa_lawyer` `l` ON `l`.`id`=`e`.`lawyer_id` WHERE `e`.`category_id` = '10023' AND `l`.`audit_status` = '1' AND `l`.`status` = 'normal' AND `l`.`deletetime` IS NULL ORDER BY `l`.`answer_count` DESC LIMIT 6 [ RunTime:0.000488s ]
  24. SHOW FULL COLUMNS FROM `fa_lawyer` [ RunTime:0.000788s ]
  25. SELECT `id`,`username`,name as nickname,`avatar`,`slogan`,`answer_count` FROM `fa_lawyer` WHERE `audit_status` = 1 AND `status` = 'normal' AND `deletetime` IS NULL AND `answer_count` > 0 ORDER BY `answer_count` DESC LIMIT 6 [ RunTime:0.002712s ]
  26. SHOW FULL COLUMNS FROM `fa_article` [ RunTime:0.000755s ]
  27. SELECT `a`.`id`,`a`.`title`,`a`.`thumbnail`,`a`.`view_count`,c.text as category_name FROM `fa_article` `a` LEFT JOIN `fa_qa_category` `c` ON `a`.`category_id`=`c`.`category_id` WHERE `a`.`audit_status` = '1' AND `a`.`deletetime` IS NULL ORDER BY CASE WHEN a.category_id = 10023 THEN 0 ELSE 1 END,`a`.`view_count` DESC LIMIT 4 [ RunTime:0.036088s ]
  28. SELECT `content`,`is_best`,`createtime`,`lawyer_id`,`good_rate` FROM `fa_answer` WHERE `question_id` = '1079645' AND `audit_status` = 1 AND `deletetime` IS NULL ORDER BY `is_best` DESC,`is_top` DESC,`good_rate` DESC,`createtime` ASC LIMIT 10 [ RunTime:0.000580s ]
0.424092s