海南省保亭黎族苗族自治县人民法院
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(2017)琼9029民初481号
海南省保亭黎族苗族自治县人民法院
民事判决书
（2017）琼9029民初481号
原告：黄达锋，男，1998年12月1日出生，黎族，农民，住保亭黎族苗族自治县。
委托诉讼代理人：王日辉，海南知非律师事务所律师。
被告：翟志昆，男，1989年7月1日出生，汉族，外出打工，住河南省兰考县。
被告：中国平安财产保险股份有限公司海南分公司。住所地：海南省海口市国贸大道*号海南时代广场**楼及*层西侧。
法定代表人：王新，总经理。
委托诉讼代理人：王思宇，男，1992年5月5日出生，汉族，该公司员工。
原告黄达锋与被告翟志昆、中国平安财产保险股份有限公司海南分公司（以下简称平安保险海南公司）机动车交通事故责任纠纷一案，本院于2017年9月12日立案受理。于2017年10月26日公开开庭进行审理。原告黄达锋委托诉讼代理人王日辉，被告翟志昆到庭参加诉讼。被告平安保险海南公司经合法传唤未到庭。本案现已审理终结。
原告黄达锋提出诉讼请求为：一、判决被告翟志昆赔偿原告损失计98506元（精神抚慰金优先在交强险内赔付），被告平安保险海南公司在保险责任范围内承担保险赔偿责任；二、本案诉讼费由各被告承担。
事实和理由：2016年7月3日，被告翟志昆驾驶×××小型轿车行驶至温泉北路皇朝家私城路口左转弯时，与相向黄达锋普通二轮摩托车碰刮，造成黄达锋受伤及两车部分受损的道路交通事故。保亭黎族苗族自治县公安局交通管理大队认定，被告翟志昆负事故主要责任，原告黄达锋负事故次要责任。平安保险海南公司为×××小型轿车承保，事故发生在保险期间。原告受伤后在425医院住院治疗，出院后委托海南医学院法医鉴定中心对后续治疗费、伤残等级等申请鉴定。各项损失如下：1、医疗费58679.57元；2、后续治疗费16000元；3、住院伙食补助费9100元；4、营养费4500元；5、护理费9000元；6、交通费1000元；7、误工费14400元；8、残疾赔偿金56906元；9、精神抚慰金5000元；10、鉴定费2200元。
被告翟志昆辩称，原告住院开始，我已付37000元。双方协商余额由保险公司赔付，超出保险限额的部分由原告自己承担。
被告平安保险海南公司辩称，一、本司不是本案侵权人，对事故的发生及原告的人身损害没有直接过错。根据相关法律规定，本司承担相应的合同责任，超出保险合同约定部分，不予赔付；二、本案赔偿项目应在交强险限额120000元内予以赔付，超出部分不予承担；三、原告各项诉求过高，法院应予调整，具体意见：1、医疗费：认可原告诉求58679.57元；2、后续治疗费：认可鉴定16000元；3、住院伙食补助费：认可9100元；4、营养费：认可4500元；5、护理费，按照居民服务、修理和其他服务业标准计算为6812.63元（27629元/年÷365×90天）；6、交通费，原告未提供发票证明其发生交通费用，认可300元的合理费用；7、误工费，出险时原告未满18周岁，不存在误工费用，不予认可；8、残疾赔偿金，应按照26356元/年计算为52712元；9、精神抚慰金，原告为十级伤残，认可3000元；10、诉讼费、鉴定费，不属于保险责任范围。
原告黄达锋提交以下证据：1、道路交通事故认定书；2、身份证、驾驶人信息查询单、交强险保险单；3、425医院医疗费发票、住院病历等；4、常住人口登记卡；5、司法鉴定中心司法鉴定意见书；6、鉴定费发票。
被告翟志昆对原告黄达锋提交的1-6证据的真实性、合法性、关联性没有异议。本院予以确认并在卷佐证。
经审理认定事实如下：1、交通事故时间：2016年7月3日23时4分；事故地点：温泉北路皇朝路段；2、保公交认字[2016]第000381号《道路交通事故认定书》，认定被告翟志昆驾驶×××小型轿车转弯未让直行，原告黄达锋未戴头盔、无证、盲目高速驾驶，造成黄达锋受伤的道路交通事故，被告翟志昆负事故主要责任，原告黄达锋负事故次要责任；3、被告平安保险海南公司为×××小型轿车承保交强险，事故发生在保险期间内；4、原告黄达锋受伤后在中国人民解放军四二五医院住院治疗，行多处手术，住院天数：91天，医疗费58679.57元；5、海南医学院法医鉴定中心鉴定结论：（1）原告黄达锋左下肢丧失功能10％以上为十级伤残；（2）内固定物取出术费用为16000元；（3）误工期180日，护理期：90日，营养期90日，自受伤之日起计算；6、鉴定费2200元。
另查明，被告翟志昆在原告黄达锋治疗期间支付37000元医疗费。
本院认为，公民享有生命健康权。受害人遭受人身损害，因就医治疗支出的各项费用以及因误工减少的收入，包括医疗费、误工费、护理费、交通费、住宿费、住院伙食补助费、必要的营养费，赔偿义务人应当予以赔偿。在本起道路交通事故中，被告翟志昆转弯未让直行，负事故主要责任，原告黄达锋未戴头盔、无证、盲目高速驾驶，负事故次要责任。考虑双方的过错程度及损害结果，被告翟志昆应承担70％的赔偿责任。被告平安保险海南公司为×××小型轿车承保交强险，且事故发生在保险期间内，应在交强保险责任限额范围内承担赔偿责任。
1、医疗费58679.57元，本院予以确认；
2、后续治疗费16000元，本院予以确认；
3、住院伙食补助费9100元，本院予以确认；
4、营养费4500元，本院予以确认；
原告黄达锋对以上四项费用请求被告平安保险海南公司在交强险医疗费限额内承担10000元，本院予以照准；
5、护理费，根据鉴定结论以护理日为90天，按照居民服务、修理和其他服务业标准27629元/年计算为6812.63元（27629元/年÷365天×90天）；
6、交通费，根据原告伤情及鉴定需要，本院酌情予以500元赔偿；
7、误工费，原告黄达锋出险时未满18周岁，且未提供参加工作的证据予以证实，该项请求本院不予确认；
8、残疾赔偿金，根据《司法鉴定意见书》评定意见，原告左下肢丧失功能10％以上为十级伤残，按照受诉法院所在地上一年度城镇居民人均可支配收入26356元/年的标准计算（26356元×20年×10％）为52712元；
9、精神损害抚慰金，基于原告的伤残等级及当地的生活水平以5000元为宜；
10、鉴定费2200元，本院予以确认。依照《中华人民共和国民法通则》第九十八条，第一百一十九条，《中华人民共和国道路交通安全法》第七十六条第一款第一项，最高人民法院《关于审理人身损害赔偿案件适用法律若干问题的解释》第十七条第一款，第十八条第一款，最高人民法院《关于民事诉讼证据的若干规定》第二条之规定，判决如下：
一、限被告中国平安财产保险股份有限公司海南分公司于本判决发生法律效力后十日内在交强险限额内赔偿原告黄达锋各项损失77224.63元。
如果未按本判决指定的期间履行给付金钱义务，应当依照《中华人民共和国民事诉讼法》第二百五十三条之规定，加倍支付迟延履行期间的债务利息。
案件受理费292.53元，由被告中国平安财产保险股份有限公司海南分公司负担。
如不服本判决，可以在判决书送达之日起十五日内，向本院递交上诉状，并按对方当事人的人数或者代表人的人数提出副本，上诉于海南省第一中级人民法院。
审判员张海燕
二〇一七年十月三十日
书记员蓝海平
速录员冯云
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[{法规名称:\'《中华人民共和国合同法》\',Items:[{法条名称:\'第二百零六条\',法条内容:\' 第二百零六条
借款人应当按照约定的期限返还借款。对借款期限没有约定或者约定不明确，依照本法第六十一条的规定仍不能确定的，借款人可以随时返还；贷款人可以催告借款人在合理期限内返还。
\'},{法条名称:\'第二百零七条\',法条内容:\'
第二百零七条
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第十八条 当事人在保证合同中约定保证人与债务人对债务承担连带责任的，为连带责任保证。
连带责任保证的债务人在主合同规定的债务履行期届满没有履行债务的，债权人可以要求债务人履行债务，也可以要求保证人在其保证范围内承担保证责任。
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第二十一条 保证担保的范围包括主债权及利息、违约金、损害赔偿金和实现债权的费用。保证合同另有约定的，按照约定。
当事人对保证担保的范围没有约定或者约定不明确的，保证人应当对全部债务承担责任。
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第三十八条 本办法第十条第（一）项、第（八）项规定的申请费由被执行人负担。
执行中当事人达成和解协议的，申请费的负担由双方当事人协商解决；协商不成的，由人民法院决定。
本办法第十条
第（二）项规定的申请费由申请人负担，申请人提起诉讼的，可以将该申请费列入诉讼请求。
本办法第十条
第（五）项规定的申请费，由人民法院依照本办法第二十九条规定决定申请费的负担。
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