【理賠(pei)期限(xian)】交通(tong)事(shi)(shi)故(gu)(gu)賠(pei)償有期限(xian)嗎 交通(tong)事(shi)(shi)故(gu)(gu)保險理賠(pei)期限(xian)

一、交通事故賠償有期限嗎？

交通(tong)(tong)事(shi)故(gu)賠償有期限。人(ren)身(shen)(shen)傷(shang)害的訴(su)(su)訟(song)時效(xiao)(xiao)是一年(nian)(nian)，從(cong)傷(shang)害行為(wei)(wei)發生之日起算。受(shou)害人(ren)應(ying)當在治療終(zhong)結后一年(nian)(nian)內向對方主(zhu)張賠償，否則(ze)過訴(su)(su)訟(song)時效(xiao)(xiao)。交通(tong)(tong)事(shi)故(gu)致身(shen)(shen)體受(shou)傷(shang)、殘疾(ji)或死(si)亡的，其民(min)事(shi)訴(su)(su)訟(song)的時效(xiao)(xiao)為(wei)(wei)1年(nian)(nian)。交通(tong)(tong)事(shi)故(gu)造成財(cai)產(chan)損(sun)失的，其民(min)事(shi)訴(su)(su)訟(song)時效(xiao)(xiao)為(wei)(wei)2年(nian)(nian)。既(ji)有人(ren)身(shen)(shen)傷(shang)害又有財(cai)產(chan)損(sun)失的，訴(su)(su)訟(song)時效(xiao)(xiao)應(ying)分別計算。

1、訴訟時(shi)效不是(shi)從事故發(fa)生之(zhi)日起算(suan)的(de)(de)，而(er)是(shi)從當事人(ren)知道自己的(de)(de)權(quan)利(li)被侵(qin)害之(zhi)日起算(suan)的(de)(de)，只要你一直在向侵(qin)權(quan)者(zhe)主張權(quan)利(li)，時(shi)效就(jiu)不開始計(ji)算(suan)。

2、對于(yu)人身損害(hai)(hai)(hai)賠償的(de)(de)訴訟時(shi)效 ，民法(fa)通則的(de)(de)規定是從知(zhi)道或者應(ying)當知(zhi)道權(quan)利(li)被(bei)(bei)侵害(hai)(hai)(hai)之(zhi)日(ri)起計(ji)(ji)算(suan)。傷(shang)情(qing)明(ming)顯的(de)(de)，應(ying)從傷(shang)害(hai)(hai)(hai)之(zhi)日(ri)起計(ji)(ji)算(suan)，傷(shang)情(qing)需(xu)要治療的(de)(de)，應(ying)從治療結束之(zhi)日(ri)起計(ji)(ji)算(suan)，因(yin)為這時(shi)，受害(hai)(hai)(hai)人才知(zhi)道被(bei)(bei)侵害(hai)(hai)(hai)了那些(xie)權(quan)利(li)。傷(shang)情(qing)當時(shi)不能發(fa)現的(de)(de)，應(ying)從傷(shang)情(qing)被(bei)(bei)發(fa)現之(zhi)日(ri)起計(ji)(ji)算(suan)，當然，得(de)有相關的(de)(de)證(zheng)據證(zheng)明(ming)后(hou)發(fa)現的(de)(de)傷(shang)情(qing)為交通事故所致。

3、對于(yu)(yu)交通(tong)事故，如果涉(she)及到人身(shen)傷害(hai)的(de)，訴訟(song)時效是一(yi)年，沒調解的(de)自醫(yi)(yi)療(liao)終(zhong)結(jie)或者定殘(can)之(zhi)日起第(di)二(er)天計(ji)算，醫(yi)(yi)療(liao)終(zhong)結(jie)或者定殘(can)之(zhi)后(hou)雙方參加調解的(de)，自調解終(zhong)結(jie)之(zhi)日起第(di)二(er)天計(ji)算。如果沒有人身(shen)傷害(hai)的(de)，訴訟(song)時效是兩年。對于(yu)(yu)二(er)00四年七月一(yi)日后(hou)的(de)交通(tong)事故， 可(ke)以(yi)不經過調解直接起訴。

根(gen)據道路交通(tong)(tong)事(shi)(shi)故處理(li)程序(xu)規定，在交通(tong)(tong)事(shi)(shi)故處理(li)中，公(gong)安交通(tong)(tong)管(guan)理(li)部門(men)可以暫(zan)扣交通(tong)(tong)肇事(shi)(shi)車輛(liang)、嫌疑車輛(liang)、車輛(liang)牌證(zheng)和(he)當事(shi)(shi)人的駕駛證(zheng)，但應開具暫(zan)扣憑證(zheng)。因檢驗(yan)、鑒定的需要，暫(zan)扣交通(tong)(tong)肇事(shi)(shi)車輛(liang)、嫌疑車輛(liang)、車輛(liang)牌證(zheng)和(he)駕駛證(zheng)的期(qi)限為20日;需延(yan)期(qi)的，經上一級(ji)公(gong)安交通(tong)(tong)管(guan)理(li)部門(men)批準(zhun)可延(yan)長(chang)20日。

二、交通事故保險理賠期限

交通事故理賠期(qi)限(xian)(xian)是指保(bao)險(xian)(xian)條款規定的保(bao)險(xian)(xian)人(ren)(ren)接受(shou)被保(bao)險(xian)(xian)人(ren)(ren)或受(shou)益人(ren)(ren)提(ti)出的請(qing)求賠償(chang)或給付保(bao)險(xian)(xian)金(jin)的期(qi)限(xian)(xian)。這(zhe)兩種期(qi)限(xian)(xian)在保(bao)險(xian)(xian)條款中有如下幾種表述：

1、機動車輛(liang)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)條(tiao)(tiao)(tiao)款(kuan)(2000)第(di)二(er)(er)十八條(tiao)(tiao)(tiao)規(gui)定：保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)車輛(liang)發(fa)生保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)事故后(hou)，被(bei)(bei)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)……在(zai)(zai)48小時(shi)內通(tong)知(zhi)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian) 人(ren)。被(bei)(bei)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)應在(zai)(zai)公安交通(tong)管理(li)部門對交通(tong)事故處理(li)結(jie)案(an)之日起10天(tian)內向保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)提(ti)交本條(tiao)(tiao)(tiao)款(kuan)第(di)十二(er)(er)條(tiao)(tiao)(tiao)規(gui)定的(de)(de)或(huo)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)要求能證明事故原(yuan)因、性(xing)質、責任(ren)劃分和損(sun)失 確定等的(de)(de)各種必要單證。第(di)三十條(tiao)(tiao)(tiao)又(you)規(gui)定：被(bei)(bei)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)不履(lv)行本條(tiao)(tiao)(tiao)款(kuan)第(di)二(er)(er)十四條(tiao)(tiao)(tiao)至第(di)二(er)(er)十九條(tiao)(tiao)(tiao)規(gui)定的(de)(de)義(yi)務，保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)有權拒絕賠(pei)償(chang)或(huo)自書(shu)面(mian)通(tong)知(zhi)之日起解除保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)合同;已 賠(pei)償(chang)的(de)(de)，保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)有權追回已付的(de)(de)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)賠(pei)款(kuan)。

2、國內航空貨物運(yun)(yun)輸保(bao)險條款第十七條規定：在承運(yun)(yun)人(ren)(ren)會(hui)同收貨人(ren)(ren)作(zuo)出貨物運(yun)(yun)輸事故簽證(zheng)時(shi)起，被保(bao)險人(ren)(ren)如果經過180天不向保(bao)險人(ren)(ren)申請賠償，不提供必要(yao)的單據、證(zheng)件(jian)，即作(zuo)為(wei)自愿放(fang)棄(qi)權(quan)益。

3、一些人壽和健康保險條款對保(bao)(bao)險(xian)事故通知都作了類似的(de)規定(ding)：投保(bao)(bao)人(ren)(ren)(ren)、被保(bao)(bao)險(xian)人(ren)(ren)(ren)或受(shou)益人(ren)(ren)(ren)自其知道(dao)保(bao)(bao)險(xian)事故發生之日起7日內(nei)(或5日或10日內(nei))通知保(bao)(bao)險(xian)人(ren)(ren)(ren)，否則投保(bao)(bao)人(ren)(ren)(ren)、被保(bao)(bao)險(xian)人(ren)(ren)(ren)或受(shou)益人(ren)(ren)(ren)應(ying)承擔(dan)由于通知遲延(yan)致使保(bao)(bao)險(xian)人(ren)(ren)(ren)增加的(de)勘查、調(diao)查等項費用。

索賠(pei)時效是指法律規(gui)定(ding)的被保險(xian)人和受益人享(xiang)有(you)的向保險(xian)公(gong)司提出賠(pei)償或給付保險(xian)金權利的期間。

如保(bao)險(xian)(xian)法第二(er)十七條的規定：“人(ren)壽保(bao)險(xian)(xian)以(yi)外的其他保(bao)險(xian)(xian)的被保(bao)險(xian)(xian)人(ren)或(huo)者受(shou)益(yi)人(ren)，對保(bao)險(xian)(xian)人(ren)請求賠償或(huo)者給(gei)付保(bao)險(xian)(xian)金(jin)的權(quan)利，自其知道保(bao)險(xian)(xian)事故發生之日起二(er)年不行使而消滅。”

人壽保(bao)(bao)(bao)險(xian)的被(bei)保(bao)(bao)(bao)險(xian)人或者(zhe)受益(yi)人對保(bao)(bao)(bao)險(xian)人請求給(gei)付保(bao)(bao)(bao)險(xian)金的權利，自其知道(dao)保(bao)(bao)(bao)險(xian)事故發生之日起五(wu)年(nian)不(bu)行使而(er)消(xiao)滅(mie)。

4、事故(gu)(gu)發生日，如果(guo)交(jiao)通事故(gu)(gu)造成(cheng)的(de)損害輕微，雙(shuang)方能就事故(gu)(gu)責(ze)任(ren)達成(cheng)一(yi)致意見，不(bu)需要交(jiao)警出具事故(gu)(gu)責(ze)任(ren)認定書的(de)，一(yi)般自事故(gu)(gu)發生日起起算一(yi)年訴訟時效。

5、交(jiao)(jiao)(jiao)警出具事(shi)(shi)(shi)(shi)故(gu)(gu)責任認(ren)(ren)(ren)定書(shu)。《道路(lu)交(jiao)(jiao)(jiao)通(tong)(tong)(tong)(tong)(tong)事(shi)(shi)(shi)(shi)故(gu)(gu)處理程序(xu)》規(gui)定，自交(jiao)(jiao)(jiao)通(tong)(tong)(tong)(tong)(tong)事(shi)(shi)(shi)(shi)故(gu)(gu)發(fa)(fa)生之(zhi)日(ri)起(qi)，輕(qing)微事(shi)(shi)(shi)(shi)故(gu)(gu)5 日(ri)內;一般事(shi)(shi)(shi)(shi)故(gu)(gu)15 日(ri)內;重大、特大事(shi)(shi)(shi)(shi)故(gu)(gu)20 日(ri)內，必(bi)(bi)須(xu)(xu)作(zuo)出責任認(ren)(ren)(ren)定。因交(jiao)(jiao)(jiao)通(tong)(tong)(tong)(tong)(tong)事(shi)(shi)(shi)(shi)故(gu)(gu)情節(jie)復雜不(bu)能(neng)按(an)期作(zuo)出認(ren)(ren)(ren)定的，須(xu)(xu)報上(shang)一級(ji)公安機關交(jiao)(jiao)(jiao)通(tong)(tong)(tong)(tong)(tong)管理部(bu)門(men)批準，按(an)上(shang)述規(gui)定分別延長(chang) 5 日(ri)、15 日(ri)、20 日(ri)。事(shi)(shi)(shi)(shi)故(gu)(gu)發(fa)(fa)生后一般交(jiao)(jiao)(jiao)警部(bu)門(men)會在 30 日(ri)內制作(zuo)《事(shi)(shi)(shi)(shi)故(gu)(gu)責任認(ren)(ren)(ren)定書(shu)》，自當事(shi)(shi)(shi)(shi)人收到《事(shi)(shi)(shi)(shi)故(gu)(gu)責任認(ren)(ren)(ren)定書(shu)》之(zhi)日(ri)起(qi)，一年訴(su)訟(song)時效開(kai)始起(qi)算(suan)。《中華人民共和(he)國道路(lu)交(jiao)(jiao)(jiao)通(tong)(tong)(tong)(tong)(tong)安全法》不(bu)再要求交(jiao)(jiao)(jiao)通(tong)(tong)(tong)(tong)(tong)事(shi)(shi)(shi)(shi)故(gu)(gu)必(bi)(bi)須(xu)(xu)要調解(jie)，當事(shi)(shi)(shi)(shi)人協(xie)商一致可(ke)以申請調解(jie)也(ye)可(ke)以單方(fang)直接向法院提起(qi)訴(su)訟(song)。在交(jiao)(jiao)(jiao)警部(bu)門(men)處理交(jiao)(jiao)(jiao)通(tong)(tong)(tong)(tong)(tong)事(shi)(shi)(shi)(shi)故(gu)(gu)過程中，有(you)時也(ye)會進行調解(jie)，如調解(jie)不(bu)成(cheng)交(jiao)(jiao)(jiao)警部(bu)門(men)會出具《交(jiao)(jiao)(jiao)通(tong)(tong)(tong)(tong)(tong)事(shi)(shi)(shi)(shi)故(gu)(gu)損害(hai)賠償調解(jie)終(zhong)結書(shu)》，當事(shi)(shi)(shi)(shi)人自受到該(gai)終(zhong)結書(shu)之(zhi)日(ri)起(qi)，一年訴(su)訟(song)時效也(ye)可(ke)以開(kai)始算(suan)。

上文中(zhong)，就交(jiao)通事故理賠期限(xian)是(shi)多(duo)久這個問題(ti)進行了回答，其中(zhong)就涉及到了受(shou)到人身損(sun)害的(de)情(qing)況下(xia)訴(su)訟(song)期限(xian)是(shi)多(duo)少(shao)，還有(you)保險(xian)理賠的(de)相(xiang)關(guan)方(fang)面(mian)。其中(zhong)需要遵(zun)循的(de)法(fa)律條文就有(you)《保險(xian)法(fa)》等(deng)。其中(zhong)的(de)相(xiang)關(guan)條例視情(qing)況而定，如果您(nin)還有(you)關(guan)于這方(fang)面(mian)的(de)疑問，建議咨詢專業律師(shi)。