海口市琼山区人民法院
p t ; ” > 民 事 判 决 书
（2017）琼0107民初2637号
原告：刘学田，男，1944年4月15日出生，汉族，身份证住址：四川省巴中市巴州区兴隆场乡双石村*组，现住海口市。
诉讼委托代理人：刘伟，海南外经律师事务所律师。
被告：柏俊，男，1992年10月25日出生，汉族，身份证住址：陕西省汉中市镇巴县长岭镇九阵坝村堰扁小组。
被告：毛森，男，1981年10月15日出生，汉族，现住海南省澄迈县。
被告：中国人民财产保险股份有限公司海南省分公司，住所地海口市国贸大道国贸一横路2号。
法定代表人：徐青，该公司总经理。
委托诉讼委托代理人：谢文平，海南天泽律师事务所律师。
原告刘学田与被告柏俊、毛森、中国人民财产保险股份有限公司海南省分公司（以下简称人保财险海南省分公司）机动车交通事故责任纠纷一案，本院于2017年4月25日立案后，依法适用普通程序，公开开庭进行了审理。原告刘学田的委托诉讼代理人刘伟、被告人保财险海南省分公司的委托诉讼代理人谢文平到庭参加诉讼。被告柏俊、毛森经传票传唤无正当理由拒不到庭参加诉讼。本案现已审理终结。
原告刘学田向本院提出诉讼请求：一、判令被告柏俊、毛森共同向原告赔偿医疗费345元、后续治疗费25000元、住院期间伙食补助费13300元、护理费19950元、营养费7980元、残疾赔偿金45524.8元、司法鉴定费2900元、精神抚慰金10000元，共计124999.8元。二、判令被告人民财保海南分公司在保险责任范围内向原告承担赔偿责任并优先赔偿精神损害。三、本案诉讼费由三被告承担。事实与理由：2015年10月1日15时57分许，被告柏俊驾驶×××号车与原告驾驶的海口489934号电动车在海口市××路段发生碰撞，造成原告受伤、电动车损坏的交通事故。原告受伤后入院治疗共133天。事故发生后，海口市公安局交通警察支队作出了0001056号道路交通事故认定书，认定被告柏俊承担事故全部责任，原告无责任。2016年9月18日，海南省人民医院法医鉴定中心作出琼省医鉴【2016】临鉴字第229号鉴定意见书。鉴定意见为，一、原告因交通事故致右下肢损伤构成十级伤残；致全身多处瘢痕构成十级伤残。二、原告后续治疗费25000元。三、营养期、护理期均为74天。2017年3月15日，海南省人民医院法医鉴定中心作出司法鉴定意见补正书，补正原告的护理期和营养期均为133天。据悉，被告毛森在被告人民财保海南分公司处投保了交强险及商业第三者险。综上所述，原告认为被告柏俊驾驶被告毛森所有的机动车致原告受伤，承担赔偿责任。为维护原告合法权益，特向贵院提起诉讼，恳请判如所请。
被告柏俊、毛森未作答辩。
被告人民财保海南分公司辩称，一、原告的部分损失计算标准错误或依据不当。1、原告应以农村标准计算残疾赔偿金：本案原告系农业人口，已是72岁高龄，虽然居住在位于城市的儿子家里，但是在城市没有收入来源，依据《第八次全国法院民事商事审判工作会议（民事部分）纪要》的精神”8.残疾赔偿金或死亡赔偿金的计算标准，应根据案件的实际情况，结合受害人住所地、经常居住地、主要收入来源等因素确定。......”因原告的经常居住地和主要收入来源地均在农村，所以原告应该以农村标准计算残疾赔偿金。原告有两个十级级伤残，根据《中华人民共和国标准<道路交通事故受伤人员伤残评定>（GB18667－2002）》中《附录B多等级伤残的综合计算方法》的规定，多等级伤残残疾赔偿金的计算公式为：C=Ct×C1×(Ih＋∑Ia，i)(∑Ia，i≤10％，i=1，2，3......n，多处伤残)。式中，C为伤残者的伤残实际赔偿额；Ct为伤残赔偿总额；C1是指赔偿责任系数，即赔偿义务主体对造成事故负有责任的程度，0≤C1≤1。Ih为伤残等级最高处的伤残赔偿指数，即多等级伤残者，最高伤残等级的赔偿比例，用百分比(%)表示。Ia为伤残赔偿附加指数，即增加一处伤残所增加的赔偿比例，用百分比(%)表示，0≤Ia≤10%。本案中，原告的残疾赔偿金为10421.84元：[11843元/年×8年×（10%＋1%）]＝10421.84元。2、护理费：根据原告的伤残等级，护理费的标准为100元/天。3、营养费：根据我省的生活水平和司法实践，营养费的标准为50元/天。4、精神损害抚慰金：原告要求10000元过高，根据原告的伤残等级和审判实践，我公司认为应在3000元内酌定。
二、诉讼费、原告支出的鉴定费：依法不属于保险金的赔偿范围，不应由我公司承担。鉴于我公司和投保人之间已在《机动车交通事故责任强制保险条款》第十条第四项、《中国人民财产保险股份有限公司机动车第三者责任保险条款》第七条第七项约定，保险人不负责赔偿因交通事故产生的仲裁或者诉讼费用以及其他相关费用，根据《保险法》第66条的规定，本案的诉讼费和鉴定费不属于我公司保险金的赔偿范围，不应由我公司承担，应由造成本次交通事故的当事人承担。而且，针对当前机动车驾驶员在驾车途中普遍文明程度不高的情况，如果连诉讼费都不让肇事司机承担，在保险金足够赔偿的情况下，肇事司机就不用对自己的违法行为承担任何责任，那么就会导致交通违法行为越来越泛滥，不利于整个社会的出行安全。
本院经审理认定事实如下：2015年10月1日15时57分许，被告柏俊驾驶×××号车与原告刘学田驾驶的海口489934号电动车在海口市××路段发生碰撞，造成原告受伤、电动车损坏的交通事故。事故发生后，原告到海南省人民医院住院治疗三次，住院时间分别为：2015年10月1日至2015年12月14日止、2015年12月15日至2016年1月29日止、2016年3月8日至2016年3月22日止，共住院133天，花医疗费150330元，医疗费150330元全部由被告毛森和人保财险海南省分公司支付。另外，原告出院后在广安堂大药房购药花费345元，原告自付了该药费。
本案受理前，海口市公安局交警支队事故处理大队委托海南省人民医院法医鉴定中心对原告的伤残等级、后续治疗费、护理营养期限进行评估鉴定。2016年9月18日，海南省人民医院法医鉴定中心作出琼省医鉴【2016】临鉴字第229号鉴定意见书。鉴定意见为，一、原告因交通事故致右下肢损伤构成十级伤残；致全身多处瘢痕构成十级伤残。二、原告后续治疗费约需25000元。三、营养期、护理期均为74天。2017年3月15日，海南省人民医院法医鉴定中心作出司法鉴定意见补正书，补正原告的护理期和营养期均为133天。原告自付鉴定费2900元。2015年月日，海口市公安局交通警察支队作出了0001056号道路交通事故认定书，认定被告柏俊承担事故全部责任，原告无责任。
×××号车的所有人为被告毛森、驾驶人为被告柏俊，事故发生时是毛森雇佣柏俊为其开车，该车在被告人保财险海南省分公司投保了交强险和商业三者险50万（含不计免赔），事故发生在保险期内。另查，原告刘学田为农业户口。
以上事实，有原、被告提供的常住人口登记卡、社区居住证明、《道路交通事故认定书》、海南省人民医院（入院记录、诊断记录书、住院病案首页、出院记录等）、广安堂大药房发票、海南省人民医院法医鉴定中心琼省医鉴【2016】临鉴字第229号鉴定意见书和司法鉴定意见补正书、鉴定费发票、当事人的陈述及庭审笔录在卷佐证，足以证实。
本院认为，行为人因过错侵害他人民事权益，应当承担侵权责任。本次事故中，海口市公安局交通警察支队作出《道路交通事故认定书》，认定被告柏俊负事故的全部责任，原告刘学田无责任。该认定书对本次交通事故的事实认定清楚，责任认定准确，应予采信。
《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》（以下简称《人身损害赔偿案件的解释》）第十七条第一款规定：”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”。本案第一审法庭辩论终结时的时间是2017年6月19日，本案适用”2016-2017年度海南省交通事故人身损害赔偿项目和计算标准”计算原告的人身损害赔偿数额，符合《最高人民法院关于审理人身损害赔偿案件适用若干问题的解释》第三十五条的规定。本案的赔偿项目及数额经审核、认定如下：
1、医疗费345元。有医疗发票为凭，本院予以予支持。
2、后续治疗费25000元，有司法鉴定结论确定必然发生的费用，本院予以支持。
3、住院伙食补助费13300元。住院伙食补助费按照我省国家机关一般工作人员的出差伙食补助标准100元/天计算，原告住院133天，即100元/天×133天=13300元，故原告主张住院伙食补助费13300元，本院予以照准。
4、营养费6650元，原告伤情经鉴定营养期为133日，本院予以采纳，根据原告伤情，本院酌定营养费为50元/天，即50元/天×133天=6650元。对原告主张营养费7980元，超出部分，本院不予支持。
5、护理费13300元。原告住院133天，其护理费标准参照同等护理级别、护理期限的护工工资标准，原告未提供护理人员收入状况及雇佣护工的证明，酌情以100元/天计算，故其护理费应为：100元/天×133天=13300元。超出部分，本院不予支持。
6、残疾赔偿金10421.84元，原告为农业户口，且年龄为72岁，虽然已在城市居住满一年以上，但在城市没有收入，根据最高院《第八次全国法院民事商事审判工作会议（民事部分）纪要》关于”残疾赔偿金或死亡赔偿金的计算标准，应根据案件的实际情况，结合受害人住所地、经常居住地、主要收入来源等因素确定。......”的精神，其残疾赔偿金应以农村居民标准计算。原告伤情经鉴定为二处十级伤残，定残之日年满72周岁，其赔偿年限为8年，故其残疾赔偿金应为：[11843元/年×8年×（10%＋1%）]＝10421.84元。原告以其在城镇居住满一年以上为由主张残疾赔偿金按城镇标准计算，本院不予支持。
7、精神损害抚慰金10000元，依据《侵权责任法》第二十二条的规定：”侵害他人人身权益，造成他人严重精神损害的，被侵权人可以请求精神损害赔偿。”原告因本次事故构成二处十级伤残，给其精神上造成了很大损害，故其主张精神损害抚慰金于法有据，本院予以支持。
8、鉴定费2900元，原告伤情经海南省人民医院法医鉴定中心进行鉴定，由原告自付鉴定费2900元，鉴定费属于原告因本次交通事故造成的损失，应由被告承担。
以上各项损失共计81916.84元，其中1-4项属于交强险医疗费用赔偿限额10000元的赔偿项目，合计45295元；4-7项属于交强险死亡伤残赔偿限额110000元的赔偿项目，合计33721.84元。
《中华人民共和国道路交通安全法》第七十六条第一款规定：”机动车发生交通事故造成人身伤亡、财产损失的，由保险公司在机动车第三者责任强制保险责任限额范围内予以赔偿；不足的部分，按照下列规定承担赔偿责任：......（二）机动车与非机动车驾驶人、行人之间发生交通事故，有证据证明非机动车驾驶人、行人有过错的，根据过错程度适当减轻机动车一方的赔偿责任；......”×××号车在被告人保财险海南省分公司投保了交强险及商业三者险50万元（含不计免赔），应先由保险公司在交强险医疗费用赔偿限额内赔偿原告10000元、在交强险死亡伤残赔偿限额内赔偿原告33721.84元，合计为43721.84元；超出交强险的部分38195元，由被告柏俊承担民事赔偿责任，故被告人保财险海南省分公司应依据保险合同的约定在商业三者险限额内代替被告柏俊赔付原告38195元。因此，被告人保财险海南省分公司应赔付原告损失总额为：81916.84元=43721.84元+38195元。
综上所述，依照《中华人民共和国侵权责任法》第六条第一款、第十六条、第二十二条、《中华人民共和国道路交通安全法》第七十六条第一款、《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》第十七条的规定，判决如下：
一、限被告中国人民财产保险股份有限公司海南省分公司于本判决生效之日起十日内赔付给原告刘学田人民币81916.84元。
二、驳回原告刘学田的其他诉讼请求。
案件受理费人民币1125元（已由原告全额预缴），由原告刘学田负担306元，被告中国人民财产保险股份有限公司海南省分公司负担819元。
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，并按照对方当事人或者代表人的人数提出副本，上诉于海南省海口市中级人民法院。
审判长王云虹
人民陪审员吴林
人民陪审员符策辉
二〇一七年七月二十八日
法官助理高翔
书记员王石
相关法律条文
1、《中华人民共和国侵权责任法》
第六条行为人因过错侵害他人民事权益，应当承担侵权责任。第十六条侵害他人造成人身损害的，应当赔偿医疗费、护理费、交通费等为治疗和康复支出的合理费用，以及因误工减少的收入。造成残疾的，还应当赔偿残疾生活辅助具费和残疾赔偿金。造成死亡的，还应当赔偿丧葬费和死亡赔偿金。
第二十二条侵害他人人身权益，造成他人严重精神损害的，被侵权人可以请求精神损害赔偿。
2、《中华人民共和国道路交通安全法》
第七十六条机动车发生交通事故造成人身伤亡、财产损失的，由保险公司在机动车第三者责任强制保险责任限额范围内予以赔偿；......。
3、《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。
受害人因伤致残的，其因增加生活上需要所支出的必要费用以及因丧失劳动能力导致的收入损失，包括残疾赔偿金、残疾辅助器具费、被扶养人生活费，以及因康复护理、继续治疗实际发生的必要的康复费、护理费、后续治疗费，赔偿义务人也应当予以赔偿。
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