救助基金垫付费用后，谁来偿还、如何偿还、有哪些流程？ "垫付只是救助的起点。"紫金保险道路救助基金服务中心总经理王彬说。过去，因肇事逃逸、车辆未投 保，或责任方无力偿还等原因，垫付费用有时"难以追回、反复拉扯"，不利于救助基金可持续发展。 "别担心，我们会全力抢救！"医生告诉葛超，交通事故救治伤者有道路交通事故社会救助基金提供保 障。 2011年，江苏省政府设立江苏省道路交通事故社会救助基金，采用"省级统筹、统一政策、分工负责、 专业运营"的管理模式，由江苏省财政厅牵头，联合省级公安、卫健等有关部门，委托紫金财产保险股 份有限公司负责救助基金日常运营。在实践中探索形成"江苏路救"模式，并推广到内蒙古、湖北、湖 南、广西、海南等省份。截至目前，救助基金已救助超20万人次，救助总金额超70亿元。 "您放心，我们垫付抢救费用。"审核完事故资料，救助基金宿迁救助站专员桂礼兵赶去医院，一番话让 葛超吃下"定心丸"。 2022年1月，《道路交通事故社会救助基金管理办法》正式实施，明确了救助基金"扶危救急、公开透 明、便捷高效"的原则。扶危救急，贵在快。"伤者家属无心处理各类事情，需要'政策找人'。"桂礼兵介 绍，交警在事 ...

"抢救要十几万元，我家条件不好，现在拿不出钱，怎么办？"2024年，江苏泗阳老人葛以兵遭遇车祸后 被送到医院抢救，儿子葛超在手术室外等待，心急如焚。 为保障这套系统持续发展，紫金保险在江苏组建了100余人的一线团队和30多人的管理团队，涵盖医 学、法律、财经、信息技术等专业领域。江苏省财政厅牵头制定系列管理办法，推动搭建绿色诉讼通 道，积极协调公安、法院、检察院等部门合力推进相关工作。 "别担心，我们会全力抢救！"医生告诉葛超，交通事故救治伤者有道路交通事故社会救助基金提供保 障。 2011年，江苏省政府设立江苏省道路交通事故社会救助基金，采用"省级统筹、统一政策、分工负责、 专业运营"的管理模式，由江苏省财政厅牵头，联合省级公安、卫健等有关部门，委托紫金财产保险股 份有限公司负责救助基金日常运营。在实践中探索形成"江苏路救"模式，并推广到内蒙古、湖北、湖 南、广西、海南等省份。截至目前，救助基金已救助超20万人次，救助总金额超70亿元。 "我父亲进行了6次手术，医疗费用将近36万元，基金垫付了18万余元。我们还领到了2.65万元的一次性 困难救助资金，帮了大忙！"葛超说。 救助基金垫付费用后，谁来偿还、如何 ...

Core Viewpoint - The case highlights the legal consequences of evading responsibility in traffic accidents, emphasizing that individuals attempting to avoid liability through deceitful means may face severe repercussions, including financial obligations to repay medical expenses covered by social assistance funds [1][2][3] Group 1: Incident Overview - On December 11, 2021, an accident occurred in Nanjing, where a driver named Yin collided with another vehicle, resulting in injuries and damage [1] - After the accident, Yin attempted to evade responsibility by having his wife impersonate him at the scene, leading to a determination of full liability by traffic authorities [1][2] Group 2: Insurance and Compensation - The involved vehicle was insured with mandatory traffic accident liability insurance and an additional third-party liability insurance with a limit of 1.5 million yuan [2] - Due to Yin's illegal driving and impersonation, the insurance company only compensated the victim 18,000 yuan under the mandatory insurance, refusing further claims under commercial insurance [2][3] Group 3: Court Ruling - The court ruled that Yin, as the actual perpetrator, is responsible for repaying the 45,253.77 yuan in medical expenses that were advanced by the Road Traffic Accident Social Assistance Fund [3] - The insurance company was deemed to have fulfilled its obligations by paying the mandatory insurance compensation and was not liable for returning funds to the social assistance fund [3]

Core Viewpoint - The Supreme People's Court of China has released six typical cases regarding traffic accident liability disputes, emphasizing the importance of timely and adequate relief for victims, reasonable determination of responsibilities among parties involved, and the need to enhance awareness of traffic rules among participants [1][2][3]. Group 1: Timely Relief for Victims - The increase in non-motorized vehicles, particularly electric bicycles, has led to more traffic accidents, necessitating a focus on ensuring victims receive timely and adequate compensation [1]. - In case 3, the court determined the liability of the electric bicycle driver for injuries caused to a motor vehicle driver, balancing the degree of fault and the nature of the vehicles involved to ensure victim relief and promote awareness among electric bicycle users [1][3]. Group 2: Reasonable Determination of Responsibilities - Traffic accident liability disputes involve multiple parties, including drivers, victims, passengers, insurance companies, and ride-hailing platforms, requiring courts to clarify legal relationships and accurately assign responsibility [2]. - In case 2, the court applied the principle of "good Samaritan" to reduce the driver's liability, encouraging a culture of mutual assistance while enhancing the driver's awareness of responsibility [2]. - In case 4, the court recognized the contractual relationship between passengers and ride-hailing platforms, holding the platform accountable for passenger injuries, thereby promoting safety management within the industry [2]. Group 3: Enhancing Awareness of Traffic Rules - Traffic rules are essential for reducing accidents and maintaining order, and all participants must adhere to them [3]. - In case 1, the court ruled that both the driver and passenger of a motor vehicle share responsibility for damages caused by the passenger opening the door, emphasizing the need for caution and awareness during such actions [3]. - In case 6, the court upheld administrative penalties against non-motorized vehicle drivers who violated traffic signals, reinforcing the importance of compliance with traffic regulations [3].

Core Insights - The mandatory traffic accident liability insurance (known as "Jiaoqiangxian") is expanding its coverage and improving its service, with significant growth in insured vehicles and compensation payouts in 2024 [1][2] Group 1: Insurance Coverage and Financials - In 2024, Jiaoqiangxian covers 372 million vehicles, a year-on-year increase of 4.2% [1] - The total guaranteed amount reached 74.3 trillion yuan, also reflecting a 4.2% growth [1] - Compensation expenditures amounted to 226.28 billion yuan, marking an 11.6% increase compared to the previous year [1] Group 2: Disaster Response and Claims Management - The insurance industry is enhancing its disaster response mechanisms, particularly during extreme weather events, to expedite claims processing and improve service efficiency [1][2] - Collaboration among insurance companies during disasters allows for unified disaster prevention, assessment, and claims processing, ensuring quicker compensation for policyholders [1] Group 3: Technological Innovations - The insurance sector is leveraging technology by creating "disaster risk maps" and utilizing IoT devices for monitoring water levels in vulnerable areas [2] - These innovations aim to alert vehicle owners about potential risks and enhance preparedness for disasters [2] Group 4: Social Assistance Fund - In 2024, the social assistance fund for road traffic accidents extracted 1.1 billion yuan, providing crucial support for accident victims [2][3] - The fund assists victims whose medical expenses exceed Jiaoqiangxian limits or in cases where the responsible vehicle is uninsured or has fled the scene [2] Group 5: Innovative Management Practices - The insurance industry is implementing innovative measures in managing the social assistance fund, such as establishing a "24-hour response, one-stop service" mechanism in collaboration with local police [3] - Various regions are developing streamlined processes for fund disbursement, enhancing the efficiency of medical expense payments for accident victims [3]

Group 1 - The article highlights the effectiveness of the Shanxi Province Road Traffic Accident Social Rescue Fund in providing timely financial assistance for medical treatment to victims of traffic accidents, particularly those involving non-motor vehicles [1][2][3] - The fund has facilitated over 4,000 rescue cases annually, with 25% of the beneficiaries being victims of accidents involving electric bicycles and tricycles [1][2] - The fund's management, under China Life Insurance Group's Shanxi branch, has improved service efficiency through a comprehensive service network and optimized management practices [1][3] Group 2 - The introduction of a "no-difference" rescue model in Shanxi Province allows for all traffic accident victims to receive full pre-approval for medical treatment, regardless of fault or vehicle type, significantly reducing the mortality rate from 5.24% to 2.44% [2][3] - The fund operates with an annual collection of approximately 75 million yuan from mandatory traffic insurance, with an average annual usage of around 150 million yuan and a recovery rate exceeding 50% [3][4] - The fund's management has implemented a "zero-run" service model, ensuring quick response and efficient processing of claims, which has led to the rescue of over 23,000 families in need and disbursement of over 716 million yuan in funds [7]