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当前,无论是商业车险改革地区或是非改革地区,第三者责任险中对第三者的约定大致相仿,即:“因被保险机动车发生意外事故遭受人身伤亡或财产损失的人,但不包括被保险机动车本车上人员、被保险人”。但是,如果遭受人身伤亡的是被保险人的家庭成员,保险人是否也应对其赔偿呢?为此,我们特意选取了其中有代表性的案例,就相关问题进行初步分析。【案例】2014年3月,崔某为其所购的家庭自用车向A保险公司投保了交强险、
At present, the conventions for third parties in third party liability insurance are broadly similar in both the areas of commercial auto insurance reform and the non-reform areas, namely: “People who suffer personal injury or property damage as a result of an accident in an insured motor vehicle Excluding the insured vehicle’s own car, insured ”. However, if the insured person’s family members suffered personal injuries or deaths, should the insurers compensate them? For this reason, we deliberately selected the representative cases to conduct a preliminary analysis of the relevant issues. 【Case】 In March 2014, Cui Mou insured insurance company A against the purchased family car,