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href='/yw/'>要闻</a>><a href='/yw/fd/'>沸点</a></span> <span id="i2i2jyu4k" class="t" id="a1"><a href="/yw/fd/">沸点</a></span> </h1> <div id="i2i2jyu4k" class="pa_0_5_0_10"> <h1 class="Content_title" id="hh"> <span id="a" style="">“黄?！比怕依砼馐谐。浩勐鞯笔氯俗叨畈罴?/span> </h1> <script>/*jQuery('#hh').width(jQuery('#a').width());*/</script> <div id="i2i2jyu4k" class="Remark"> <span>2017年12月15日 09:25 | 作者:游春亮 | 来源：<a target="_blank">法制日报</a></span> <span id="i2i2jyu4k" class="fr">  <div id="i2i2jyu4k" class="bdsharebuttonbox"><a href="#" class="bds_more" data-cmd="more"></a><a href="#" class="bds_qzone" data-cmd="qzone" title="分享到QQ空间"></a><a href="#" class="bds_tsina" data-cmd="tsina" title="分享到新浪微博"></a><a href="#" class="bds_tqq" data-cmd="tqq" title="分享到腾讯微博"></a><a href="#" class="bds_renren" data-cmd="renren" title="分享到人人网"></a><a href="#" class="bds_weixin" data-cmd="weixin" title="分享到微信"></a></div> <script>window._bd_share_config={"common":{"bdSnsKey":{},"bdText":"","bdMini":"2","bdMiniList":false,"bdPic":"","bdStyle":"0","bdSize":"16"},"share":{}};with(document)0[(getElementsByTagName('head')[0]||body).appendChild(createElement('script')).src='http://bdimg.share.baidu.com/static/api/js/share.js?v=89860593.js?cdnversion='+~(-new Date()/36e5)];</script>  </span><span id="i2i2jyu4k" class="fr">分享到：<img src="http://www.rmzxb.com.cn/images/fx.jpg" /> </span> </div> <div id="i2i2jyu4k" class="text_box"> <p align="center"> <p style="text-indent: 2em; text-align: left;">忽悠当事人代理事故理赔私自提起诉讼抬高理赔金额赚差价</p><p style="text-indent: 2em; text-align: left;">“黄?！比怕依砼馐谐≈圃炀婪棕叫氤椭?/p><p style="text-indent: 2em; text-align: left;">□　本报记者游春亮</p><p style="text-indent: 2em; text-align: left;">不久前，湖南省永州市冷水滩村村民熊忠爱终于直接从太平洋保险深圳分公司拿到了其妻子的50余万元死亡赔偿金。至此，两年前事发在永州市的一起交通事故赔偿案总算尘埃落定。</p><p style="text-indent: 2em; text-align: left;">此前，“黄牛”等中间人参与其中，为牟取高额利益制造了一系列诉讼纠纷，使得这起理赔案件耗时两年之久。直至太平洋保险深圳分公司绕过这些中间人，直接联系到家属，方才顺利为死者家属办理赔偿事宜。</p><p style="text-indent: 2em; text-align: left;">记者了解到，在人身伤亡事故赔偿纠纷中，“黄?！背Ｆ勐鞯笔氯斯室馓Ц呃砼饨鸲钜宰〔罴?，不仅严重损害了死者家属的权益，同时也扰乱了理赔市场的正常秩序。</p><p style="text-indent: 2em; text-align: left;"><strong>“黄牛”承揽理赔业务</strong></p><p style="text-indent: 2em; text-align: left;">“我们的亲人没了，‘黄牛’居然靠这个捞钱?！被叵肫鹆侥昀捶⑸囊磺校苤野谰煞吆弈哑?。</p><p style="text-indent: 2em; text-align: left;">2015年10月7日，刘某驾驶在太平洋保险深圳分公司投保的车辆在永州市冷水滩行驶时，与熊忠爱驾驶的摩托车发生碰撞事故，造成坐在摩托车后座的熊忠爱妻子蒋峦英受伤，后经医院抢救无效死亡。经交警部门认定，刘某与熊忠爱负事故的同等责任。</p><p style="text-indent: 2em; text-align: left;">事故发生后，永州市的黄某找上门，他自称可以帮熊忠爱申请高额死亡赔偿金。熊忠爱文化程度不高，对保险理赔更是一无所知。为将此事尽快解决，沉浸在丧妻悲痛之中的熊忠爱答应下来。而后，黄某又介绍他人与熊忠爱签订代理协议，约定全权代理熊忠爱向肇事车辆一方索要赔偿金40万元，多出的赔偿金额作为代理费用。</p><p style="text-indent: 2em; text-align: left;">据熊忠爱回忆，当时，黄某告诉他可以获得45万元至50万元的赔偿金。协议达成后，在黄某等人的操作下，由肇事车辆一方深圳市万里鹏国际物流有限公司先行垫付给熊忠爱20万元赔偿金。然而，熊忠爱却迟迟拿不到剩下的20万元赔偿金。</p><p style="text-indent: 2em; text-align: left;"><strong>欺瞒当事人赚高额差价</strong></p><p style="text-indent: 2em; text-align: left;">事实上，黄某等人在这起交通事故发生后的两年时间里也没有闲着。</p><p style="text-indent: 2em; text-align: left;">事故发生后，在熊忠爱一家人不知情的情况下，黄某等人请求法院判令被告中国太平洋财产保险股份有限公司深圳分公司在交强险限额内向原告支付赔偿款11万元，并在第三者责任商业险限额内向原告支付赔偿款395263.1元；判令被告万里鹏公司对保险赔偿不足的部分承担补充赔偿责任。</p><p style="text-indent: 2em; text-align: left;">原告认为，扣除万里鹏公司已向原告支付的赔偿款20万元，原告还应得赔偿款为505263.1元。也就是说，太平洋保险深圳分公司需支付的理赔金额共705263.1元。</p><p style="text-indent: 2em; text-align: left;">太平洋保险深圳分公司有关负责人告诉记者，此次交通事故发生地为湖南省永州市，原告却到深圳市盐田区人民法院起诉，且诉求相关项目赔偿标准均按深圳标准。异地出险事故在深圳起诉，赔偿标准相差近50万元，此案如若按照深圳标准赔偿，太平洋保险深圳分公司在分担责任后将多支出约25万元。考虑到目前社会上涉及交通事故人伤案件存在的买断案件行为，为杜绝不当得利，太平洋保险深圳分公司特派理赔调查组人员多次分赴湖南等地向原告等人了解此案相关情况，最终查清此案背后的实际情况。</p><p style="text-indent: 2em; text-align: left;">得知黄某等人向自己隐瞒了真实赔偿金额后，熊忠爱表示难以接受。随后，熊忠爱向法官了解到中间人买断案子的行为不受法律保护时，他立刻与太平洋保险深圳分公司进行协商调解，加上之前万里鹏公司垫付的20万元，太平洋保险深圳分公司共赔偿51万元。</p><p style="text-indent: 2em; text-align: left;"><strong>理赔欺诈案件层出不穷</strong></p><p style="text-indent: 2em; text-align: left;">记者在采访中了解到，在涉人伤车险案件索赔中，“黄牛”以高额赔付为诱饵代为索赔等行为层出不穷。</p><p style="text-indent: 2em; text-align: left;">有业内人士分析认为，在伤亡事故发生后，受害者一方一般都不信任、排斥保险公司，继而对保险公司的理赔金额产生怀疑。另外，受害者一方不熟悉赔偿相关的法律及程序，对赔偿金额预期过高，从而产生理赔纠纷。在这种情况下，保险理赔“黄牛”介入其中，为受害者一方和被保险人向保险公司通过诉讼程序进行索赔来赚取代理费，造成理赔纠纷加剧。</p><p style="text-indent: 2em; text-align: left;">深圳律师赵波认为，保险理赔“黄?！毕蚴芎φ咭环揭魇导逝獬ソ鸲畹男形嬖谄燮灾?，在一定程度上已构成了诈骗罪。然而，在很多时候，代理人和受害者一方对赔付金额只是口头沟通，很难对其行为加以定性。如果保险公司或者行业协会组织成立的第三方调解员提前介入调解，告知受害者一方相关情况，明确赔偿损失金额，可以避免“黄?！苯槿?，及时解决纠纷。</p><p style="text-indent: 2em; text-align: left;">记者近日从太平洋保险深圳分公司了解到，近两年来，该公司遇到的受害人在外省出险后疑似被“黄牛”带案至深圳起诉的案件约46起，累计涉案金额约490多万元，但及时得到纠正的仅3起案件。</p><p style="text-indent: 2em; text-align: left;">太平洋保险深圳分公司有关负责人告诉记者，近年来，异地出险深圳起诉类案件数量逐年递增，被“黄?！背缘舻呐飧督鹣嗟本??！盎婆！钡慕槿?，不仅导致保险赔付率上升，损害了保险公司及广大投保人的利益，也极大浪费了司法资源。希望有关部门能出台相关政策或措施，联合杜绝和防范利用涉人伤理赔案件牟取不当利益的行为，净化保险理赔行业。</p> </div> <p class="Editor">编辑：秦云 </p> <div id="i2i2jyu4k" class="Paging"> </div> <p class="Keyword">关键词：黄牛理赔市场高额差价</p> <h1 class="pv_title_2 mt_15"><a target="_blank" 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