过度检查、过度治疗的交强险赔付问题初探

因交通事故造成人身损害,在肇事机动车辆投保交强险的情况下,保险机构应当在交强险范围内赔付医疗费用,在出现过度检查和过度治疗的情况时,保险公司是否有权拒绝赔付过度检查和过度治疗费用,举证责任如何,通过何种程序解决,本文对此进行了初步探讨。

When the traffic accident caused personal injury,the insurance institutions should pay the man who injuried in the scope of medical expenses,but excessive examination and treatment sometimes appeared.So,this article mainly discusses the following questions.If an insurance company shall have the right to refuse to pay and excessive examination treatment costs.Who is responsible for evidence,and what is the procedure to solve these problems.