海口市秀英区人民法院
p t ; ” > 民 事 判 决 书
（2017）琼0105民初4515号
原告：邓基文，男，1964年6月14日出生，汉族，住海口市。
委托诉讼代理人：廖中华，海南嘉法律师事务所律师。
委托诉讼代理人：杜宇，海南嘉法律师事务所律师。
被告：梁振汉，男，1968年4月4日出生，汉族，住海口市。
被告：蒙安成，男，1966年6月22日出生，汉族，住海口市。
被告：中国平安财产保险股份有限公司海南分公司，住所地海口市国贸大道2号海南时代广场12楼及一层西侧。
负责人：王新，总经理。
委托诉讼代理人：李昌瑜，男，该公司职工。
原告邓基文与被告梁振汉、蒙安成、中国平安财产保险股份有限公司海南分公司（以下简称平安财险公司）机动车交通事故责任纠纷一案，本院于2017年7月19日立案后，依法组成合议庭，公开开庭进行了审理。原告邓基文、委托诉讼代理人廖中华、被告梁振汉、蒙安成、平安财险公司的委托诉讼代理人李昌瑜到庭参加诉讼。本案现已审理终结。
原告向本院提出诉讼请求：一、判令被告赔偿原告50238.1元；二、本案诉讼费由被告承担。事实和理由如下，2017年4月14日下午6时许，被告梁振汉驾驶×××号货车秀英区海港市场入口附近由南向北行驶，由于在非机动车道未按规定开关车门，碰撞到骑行电动车的原告，造成原告左腿受伤。交警支队认定被告梁振汉承担事故全部责任，原告无责任。被告平安财险公司承保了×××号车辆的交强险及商业三者险。原告损失如下：一、医疗费9993.36元；二、住院伙食补助费1500元，原告住院15天，按100元/天计算=1500元；三、营养费2852.25元，出院后完全恢复预计90天，19015×60%÷360×90=2852.25元；四、后续治疗费1158.6元，截至2017年6月5日实际发生的后续治疗费558.6元＋预计后续治疗费600元=1158.6元；五、护理费12070元，原告住院15天，出院后维持石膏外固定预计56天，按170元/天计算，（15+56）天×170元/天=12070元；六、误工费14164.5元，原告住院15天，出院后完全恢复预计90天，按4047元/月计算，4047元/月÷30天×（15+90）天=14164.5元；七、交通费500元；八、精神损害抚慰金10000元。
被告梁振汉辩称，已为原告垫付医疗费3000元，其他项目与被告平安财险公司答辩意见一致。
被告平安财险公司辩称，一、医疗费，医疗发票金额仅558.6元，另9993.36元无事实依据，且原告住院期间我司垫付医疗费8000元，直接付给医院；二、住院伙食补助费，没有异议；三、营养费，无医疗机构出具加强营养意见，不予认可；四、后续治疗费，无医疗机构、鉴定机构出具后续治疗意见，不予认可；五、护理费，无医嘱意见出院后需人员护理，我司认可1500元（100元/天×15天）；六、误工费，未提供银行流水、社保记录，我司认可按照销售行业计算。误工时长，原告住院15天，出院医嘱意见8-10周，应该按9周=63天计算；七、交通费，无证据证明，不予认可；八、精神损害抚慰金，原告未构成伤残，不予认可。
本院经审理认定事实如下：2017年4月14日下午6时许，被告梁振汉驾驶×××号小型面包车秀英区海港市场入口附近由南向北通行，因被告梁振汉在非机动车道行驶、未按规定开关车门，碰撞到正在骑行电动车的原告，造成原告受伤及电动车损坏的交通事故。海口市公安局交通警察支队作出第0027446号《道路交通事故认定书》，认定被告梁振汉承担事故全部责任，原告无责任。
事故发生当日，原告至海南省人民医院急诊治疗，同日原告由海口市120急救中心送往海南省中医院住院治疗，于2017年4月29日出院，住院15天。出院医嘱为：一、避风寒，慎起居，调饮食；二、加强功能锻炼；三、维持石膏外固定6-8周，视复查情况拆除石膏；四、左下肢勿负重行走至少8-10周，视复查情况决定下地时间；五、定期门诊复查，至少2-3周内返院复查一次；六、不适随诊。2017年5月11日、2017年6月5日，原告至海南省中医院门诊复查。原告治疗期间共花费医疗费12236.56元，其中，原告自行支付558.6元，被告梁振汉垫付3677.96元，被告平安财险公司在交强险医疗费用限额内垫付8000元。
另查明，被告蒙安成是×××号小型面包车所有权人，其将车出借给被告梁振汉使用。被告平安财险公司承保了×××号小型面包车的交强险、商业三者险（限额200000元，含不计免赔），事故发生在上述保险期限内。
原告在海口旭丰农业生产资料有限公司工作，每月工资为2867.7元。
以上事实，有原告提交的证据《道路交通事故认定书》、《信息查询结果单》、《急诊病历》、《入院出院记录》、《住院病案》、《医疗门诊收费票据》、《护理费发票》、《工作证明》、《工资表》、《基本医疗个人账户明细》、《基本养老保险个人账户对账表》，被告梁振汉提交的证据《医疗门诊收费票据》、《医疗住院收费票据》，被告平安财险公司提交的证据《平安产险理赔系统支付截图》、《垫付支付回单》，原告的陈述、被告的答辩意见、法庭审理笔录在卷佐证，经庭审质证，足以认定。
本院认为，一、对民事赔偿责任的认定。海口市公安局交通警察支队作出的被告梁振汉承担事故的全部责任，原告无责任的认定，事实认定清楚，责任认定准确，本院予以采信，确认被告梁振汉承担100%民事责任。被告蒙安成虽然是×××号小型面包车所有权人，但其对损害的发生并无过错，其不应承担民事责任。
二、对原告主张的赔偿项目及数额的认定，依据双方当事人提交的证据，本院经审查后，认定原告的损失为：
1、医疗费12236.56元。有相关病历资料、医疗费发票垫付支付回单为凭，本院予以确认。
2、营养费750元。原告未提供医嘱或其他证据证明其需要加强营养。原告住院15天，根据原告的伤情，本院酌定营养费按照50元/天计算。原告主张超出部分，本院不予支持。
3、住院伙食补助费1500元。原告住院15天，其主张按照100元/天计算住院伙食补助费，未超出规定，本院予以支持。
4、护理费8150元。原告住院期间的护理费2550元，有护理费发票为凭，本院予以采信。因出院医嘱要求原告左下肢勿负重行走至少8-10周，视复查情况决定下地时间，故本院酌定原告出院后的护理期为8周，即56天，护理费按照100元/天计算为5600元。原告主张超出部分，缺乏事实及法律依据，本院不予支持。
5、误工费8125.15元。原告在海口旭丰农业生产资料有限公司工作，根据原告提供的医保、养老保险缴费明细，可以认定原告收入为2867.7元/月。原告住院15天，出院医嘱要求原告左下肢勿负重行走至少8-10周，按10周计算为70天，本院酌定原告的误工期85天，误工费计算为2867.7元/月÷30天×（15+70）天=8125.15元。原告主张超出部分，本院不予支持。
6、交通费300元。原告未提供就医相关的交通费票据，考虑原告住所与医院的距离，本院酌定交通费300元。
原告主张的后续治疗费，其未提供证据，待实际发生后可另行主张。原告主张的精神损害抚慰金，根据《最高人民法院关于确定民事侵权精神损害赔偿责任若干问题的解释》第八条的规定”因侵权致人精神损害，但未造成严重后果，受害人请求赔偿精神损害的，一般不予支持，人民法院可以根据情形判令侵权人停止侵害、恢复名誉、消除影响、赔礼道歉...”，原告因本次事故受伤较轻，未造成严重后果，对其此项诉讼请求，本院不予支持。
以上1-6项的损失共计31061.71元。其中1-3项属于交强险医疗费用赔偿限额10000元的赔偿项目，合计14486.56元。4-6项属于交强险死亡伤残赔偿限额110000元的赔偿项目，合计16575.15元。依据《最高人民法院关于审理道路交通事故损害赔偿案件适用法律若干问题的解释》第十六条”同时投保机动车第三者责任强制保险（以下简称”交强险”）和第三者责任商业保险（以下简称”商业三者险”）的机动车发生交通事故造成损害，当事人同时起诉侵权人和保险公司的，人民法院应当按照下列规则确定赔偿责任：（一）先由承保交强险的保险公司在责任限额范围内予以赔偿；（二）不足部分，由承保商业三者险的保险公司根据保险合同予以赔偿；（三）仍有不足的，依照道路交通安全法和侵权责任法的相关规定由侵权人予以赔偿......”的规定，×××号小型面包车在被告平安财险公司投保了机动车交强险、商业三者险（限额200000元，含不计免赔），本案原告的损失应先由平安财险公司在交强险医疗费用赔偿限额内赔付原告10000元，被告平安财险公司已垫付8000元，还应赔付2000元；在交强险死亡伤残赔偿限额内赔付16575.15元；超出交强险的部分4486.56元（14486.56元-10000元=4486.56元），扣减被告梁振汉垫付的3677.96元，由被告平安财险公司在商业三者险限额内向原告赔付808.6元。
综上所述，依据《中华人民共和国侵权责任》第六条第一款、第十六条、第二十二条、第四十九条、《最高人民法院关于审理道路交通事故损害赔偿案件适用法律若干问题的解释》第十六条之规定，判决如下：
一、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之日起十五日内在机动车交通事故责任强制保险及商业第三者责任保险限额内赔付原告邓基文人民币19383.75元；
二、驳回原告邓基文的其他诉讼请求。
如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。
本案受理费人民币503元，（原告均已预交），由原告邓基文承担309元，被告中国平安财产保险股份有限公司海南分公司承担194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，并按对方当事人的人数提出副本，上诉于海南省海口市中级人民法院。
审判长赵炎炎
人民陪审员魏朝煜
人民陪审员郭薇薇
二〇一七年十二月四日
书记员王银权
附：
《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。
根据法律规定推定行为人有过错，行为人不能证明自己没有过错的，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。
第四十九条因租赁、借用等情形机动车所有人与使用人不是同一人时，发生交通事故后属于该机动车一方责任的，由保险公司在机动车强制保险责任限额范围内予以赔偿。不足部分，由机动车使用人承担赔偿责任；机动车所有人对损害的发生有过错的，承担相应的责任。
《最高人民法院关于审理道路交通事故损害赔偿案件适用法律若干问题的解释》
第十六条同时投保机动车第三者责任强制保险（以下简称”交强险”）和第三者责任商业保险（以下简称”商业三者险”）的机动车发生交通事故造成损害，当事人同时起诉侵权人和保险公司的，人民法院应当按照下列规则确定赔偿责任：
（一）先由承保交强险的保险公司在责任限额范围内予以赔偿；
（二）不足部分，由承保商业三者险的保险公司根据保险合同予以赔偿；
（三）仍有不足的，依照道路交通安全法和侵权责任法的相关规定由侵权人予以赔偿。
被侵权人或者其近亲属请求承保交强险的保险公司优先赔偿精神损害的，人民法院应予支持。
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