生活中,较为普遍的交通事故多为碰撞后造成一方或多方的人身、财产损失。但实际生活中也有一类交通事故是双方未发生碰撞而造成的。对此类案件保险公司应承担何种责任?为此,我们选取了其中一个有代表性的案例,对理赔问题进行分析。【案例】2015年3月23日,吕某与A保险公司签订保险合同,投保了交强险、家庭自用汽车损失险、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2015年 In life, the more common traffic accidents are mostly personal and property losses caused by one or more parties after the collision. However, there is also a type of traffic accident in real life caused by the collision between the two parties. In this case, we should choose one of the representative cases to analyze the claims. 【Case】 On March 23, 2015, Lvmou signed insurance contract with A Insurance Company to insure insurance against loss, third party liability insurance, vehicle occupational liability insurance Out of special insurance, the insurance period from 2015