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社会上对车损险“投保车辆在事故中没有责任,保险公司也就不赔偿”的“无责不赔”处理方式产生了较大争议。为此,我们特别选取了其中一个代表性的案例,对理赔问题进行分析。【案例】2011年2月,赵某就其家庭自用车向A保险公司投保了交强险、家庭自用汽车损失保险、第三者责任险、车上人员责任险、车身划痕损失险与不计免赔特约险,保险期限自2011年2月13日至2012年2月12日。其中,在汽车损失保险中约定:“保险人依据被保险机动车驾驶人在事故中所负的事故责任比例,承
The community car damage insurance ”insured vehicles in the accident no responsibility, the insurance company will not compensate “ ”no responsibility does not compensate “ approach has produced greater controversy. To this end, we specially selected one of the representative cases to analyze the claims settlement. 【Case】 In February 2011, Zhao insured insurance company A against his home-use car, home auto loss insurance, third party liability insurance, car liability insurance, car body scratch insurance, and deductible Special insurance, insurance period from February 13, 2011 to February 12, 2012. Among them, the car loss insurance in the agreement: ”Insurers based on the accident motor vehicle accident risk in the proportion of responsibility, bearing