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首页 > 法律咨询 > 保险公司可以以”交通事故已过诉讼时效“为由拒绝理赔吗？
交通事故 北京 博尔塔拉蒙古自治州

保险公司可以以”交通事故已过诉讼时效“为由拒绝理赔吗？

4 解答 0 浏览 2019-07-19 09:45
问题补充
2015年1月27日，我老婆驾驶自己的轿车载着朋友小兰和阿良出门，在北京市海淀区五棵松不幸与一辆公交车发生了碰撞，事故导致小兰和阿良不同程度受伤以及两车损坏。后经交管部门认定，公交车司机负事故的主要责任，郑先生负事故的次要责任。在本次事故中，小兰由于牙齿受伤比较严重，断断续续一直在治疗，直至2018年7月份才最终确定了赔偿金额。经过协商，我老婆承担了受伤人员近7000元的医疗费及两车修理费6000余元。但是，当我老婆拿相关材料到其车辆投保的保险公司理赔时却遭到了保险公司的拒绝。保险公司认为，交通事故发生在2015年，早已过了诉讼时效，并且公司的报案系统里没有该事故的报案记录。保险公司可以以”交通事故已过诉讼时效“为由拒绝理赔吗？
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律师解答 (4)
马律师律师
2019-07-19 17:54
如果确实已经经过了诉讼时效，对方可以拒绝赔偿。
好评:0
徐律师律师
2019-07-22 13:50
诉讼时效经过，保险公司可以免责
好评:0
邱律师律师
2019-07-22 17:45
如果过了诉讼时效的话，保险公司可以不承担赔偿责任，拒绝赔偿。
好评:0
孔律师律师
2019-07-24 18:27
保险索赔必须在索赔时效内提出
好评:0

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  1. CONNECT:[ UseTime:0.000645s ] mysql:host=127.0.0.1;port=3306;dbname=dev_51wf_net;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fa_route_redirect` [ RunTime:0.000755s ]
  3. SELECT * FROM `fa_route_redirect` WHERE `status` = 'normal' AND `is_regex` = 0 AND `old_url` = '/question/1192479.html' LIMIT 1 [ RunTime:0.000577s ]
  4. SELECT * FROM `fa_route_redirect` WHERE `status` = 'normal' AND `is_regex` = 1 ORDER BY `weigh` ASC [ RunTime:0.000410s ]
  5. SHOW FULL COLUMNS FROM `fa_city` [ RunTime:0.000912s ]
  6. SELECT * FROM `fa_city` WHERE `pinyin` <> '' AND `pinyin` IS NOT NULL ORDER BY `sort_order` LIMIT 20 [ RunTime:0.000638s ]
  7. SELECT * FROM `fa_city` WHERE `pinyin` <> '' AND `pinyin` IS NOT NULL ORDER BY `pinyin` [ RunTime:0.001206s ]
  8. SHOW FULL COLUMNS FROM `fa_province` [ RunTime:0.000551s ]
  9. SELECT * FROM `fa_province` WHERE `natual_id` <> '' AND `natual_id` IS NOT NULL ORDER BY `sort_order` LIMIT 20 [ RunTime:0.000363s ]
  10. CONNECT:[ UseTime:0.109636s ] mysql:host=43.136.182.166;port=3306;dbname=ai_brain;charset=utf8mb4
  11. SHOW FULL COLUMNS FROM `fa_ai_usage` [ RunTime:0.073892s ]
  12. SELECT * FROM `fa_ai_usage` WHERE ( `user_id` = 0 AND `client_ip` = '216.73.216.109' ) AND `usage_date` = '2026-11-01' LIMIT 1 [ RunTime:0.073291s ]
  13. SHOW FULL COLUMNS FROM `fa_question` [ RunTime:0.000965s ]
  14. SELECT * FROM `fa_question` WHERE `question_id` = '1192479' AND `audit_status` = 1 AND `deletetime` IS NULL LIMIT 1 [ RunTime:0.000720s ]
  15. SHOW FULL COLUMNS FROM `fa_qa_category` [ RunTime:0.000886s ]
  16. SELECT `text`,`category_id` FROM `fa_qa_category` WHERE `category_id` IN ('10001','10011') [ RunTime:0.000382s ]
  17. SELECT * FROM `fa_province` WHERE `province_id` = '1' LIMIT 1 [ RunTime:0.000338s ]
  18. SELECT * FROM `fa_city` WHERE `city_id` = '349' LIMIT 1 [ RunTime:0.000281s ]
  19. SHOW FULL COLUMNS FROM `fa_answer` [ RunTime:0.000542s ]
  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` = '1192479' 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:0.000781s ]
  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` <> '1192479' AND `second_category_id` = '10011' ORDER BY `create_time` DESC LIMIT 8 [ RunTime:0.000751s ]
  22. SHOW FULL COLUMNS FROM `fa_lawyer_expertise` [ RunTime:0.000678s ]
  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` = '10011' AND `l`.`audit_status` = '1' AND `l`.`status` = 'normal' AND `l`.`deletetime` IS NULL ORDER BY `l`.`answer_count` DESC LIMIT 6 [ RunTime:0.000454s ]
  24. SHOW FULL COLUMNS FROM `fa_lawyer` [ RunTime:0.000888s ]
  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:0.002960s ]
  26. SHOW FULL COLUMNS FROM `fa_article` [ RunTime:0.000649s ]
  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 = 10011 THEN 0 ELSE 1 END,`a`.`view_count` DESC LIMIT 4 [ RunTime:0.037878s ]
  28. SELECT `content`,`is_best`,`createtime`,`lawyer_id`,`good_rate` FROM `fa_answer` WHERE `question_id` = '1192479' 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 ]
0.396008s