車(che)險理賠過程中的職業索(suo)賠代理人(ren)(ren)俗稱“人(ren)(ren)傷黃(huang)牛”。法院提醒，近年來不(bu)(bu)少職業索(suo)賠代理人(ren)(ren)不(bu)(bu)惜損害(hai)當事人(ren)(ren)的合法權(quan)益而牟取(qu)高額不(bu)(bu)法利益，加劇了(le)車(che)險糾紛(fen)。

2011年11月，強(qiang)(qiang)(qiang)生(sheng)(sheng)公(gong)(gong)(gong)(gong)(gong)司(si)(si)為其機動(dong)車(che)(che)向中(zhong)國(guo)人(ren)(ren)民(min)財產保(bao)(bao)險(xian)(xian)股份有限公(gong)(gong)(gong)(gong)(gong)司(si)(si)上海市靜安支公(gong)(gong)(gong)(gong)(gong)司(si)(si)投(tou)保(bao)(bao)了(le)交強(qiang)(qiang)(qiang)險(xian)(xian)和(he)商業三責(ze)(ze)險(xian)(xian)。保(bao)(bao)險(xian)(xian)期間(jian)內，強(qiang)(qiang)(qiang)生(sheng)(sheng)公(gong)(gong)(gong)(gong)(gong)司(si)(si)駕駛人(ren)(ren)駕車(che)(che)與(yu)沈(shen)(shen)某(mou)摩托車(che)(che)相撞(zhuang)，造成(cheng)沈(shen)(shen)某(mou)及摩托車(che)(che)乘(cheng)客(ke)孫(sun)某(mou)受傷(shang)、車(che)(che)輛受損(sun)，強(qiang)(qiang)(qiang)生(sheng)(sheng)公(gong)(gong)(gong)(gong)(gong)司(si)(si)駕駛人(ren)(ren)對事(shi)故負(fu)次(ci)要責(ze)(ze)任。事(shi)后，強(qiang)(qiang)(qiang)生(sheng)(sheng)公(gong)(gong)(gong)(gong)(gong)司(si)(si)與(yu)沈(shen)(shen)某(mou)、孫(sun)某(mou)在交警部門主持下達成(cheng)調(diao)解(jie)協(xie)議，強(qiang)(qiang)(qiang)生(sheng)(sheng)公(gong)(gong)(gong)(gong)(gong)司(si)(si)賠(pei)償沈(shen)(shen)某(mou)10萬余元(yuan)、孫(sun)某(mou)5000余元(yuan)。強(qiang)(qiang)(qiang)生(sheng)(sheng)公(gong)(gong)(gong)(gong)(gong)司(si)(si)向中(zhong)國(guo)人(ren)(ren)保(bao)(bao)申請理(li)賠(pei)，中(zhong)國(guo)人(ren)(ren)保(bao)(bao)以(yi)沈(shen)(shen)某(mou)未(wei)實際收到(dao)賠(pei)償款(kuan)為由拒(ju)賠(pei)。強(qiang)(qiang)(qiang)生(sheng)(sheng)公(gong)(gong)(gong)(gong)(gong)司(si)(si)遂(sui)起(qi)訴至法(fa)院(yuan)，請求判令中(zhong)國(guo)人(ren)(ren)保(bao)(bao)支付強(qiang)(qiang)(qiang)生(sheng)(sheng)公(gong)(gong)(gong)(gong)(gong)司(si)(si)已償付給沈(shen)(shen)某(mou)的賠(pei)償款(kuan)10萬余元(yuan)。

法(fa)院(yuan)經調查發現，賠(pei)償(chang)(chang)款已由沈(shen)某(mou)(mou)(mou)委托的(de)代理人董(dong)(dong)(dong)某(mou)(mou)(mou)領取。董(dong)(dong)(dong)某(mou)(mou)(mou)到法(fa)院(yuan)聲稱(cheng)已向(xiang)沈(shen)某(mou)(mou)(mou)給(gei)付9萬(wan)元賠(pei)償(chang)(chang)款，并(bing)提供9萬(wan)元收(shou)(shou)條一份。經查證(zheng)，沈(shen)某(mou)(mou)(mou)僅收(shou)(shou)到董(dong)(dong)(dong)某(mou)(mou)(mou)給(gei)付的(de)賠(pei)償(chang)(chang)款2.4萬(wan)元并(bing)出(chu)具了(le)收(shou)(shou)條，而董(dong)(dong)(dong)某(mou)(mou)(mou)自行篡改了(le)該收(shou)(shou)條。由于董(dong)(dong)(dong)某(mou)(mou)(mou)虛假(jia)陳(chen)述(shu)并(bing)偽(wei)造證(zheng)據，法(fa)院(yuan)根(gen)據相關規定，對(dui)董(dong)(dong)(dong)某(mou)(mou)(mou)作(zuo)出(chu)司法(fa)拘留10天的(de)處罰。董(dong)(dong)(dong)某(mou)(mou)(mou)退賠(pei)6萬(wan)元給(gei)沈(shen)某(mou)(mou)(mou)，強(qiang)生公司與中國人保達成(cheng)了(le)調解協議。

上海市(shi)第(di)二中(zhong)級人(ren)(ren)民法院副院長吳金水表(biao)示，不(bu)(bu)少“人(ren)(ren)傷(shang)黃(huang)牛”利用受害(hai)(hai)人(ren)(ren)缺乏專業法律知(zhi)識等弱點，要求受害(hai)(hai)人(ren)(ren)提供一攬子授權(quan)，再辦理(li)虛假人(ren)(ren)傷(shang)鑒定(ding)、虛假居住證明(ming)等材料，以(yi)受害(hai)(hai)人(ren)(ren)代理(li)人(ren)(ren)身份與肇事(shi)(shi)方(fang)、保(bao)險公(gong)司(si)商談，借機牟取高(gao)額不(bu)(bu)法利益。有的受害(hai)(hai)人(ren)(ren)明(ming)知(zhi)“人(ren)(ren)傷(shang)黃(huang)牛”所(suo)為違(wei)法違(wei)規，仍為追求不(bu)(bu)當利益主動配合。保(bao)險公(gong)司(si)一旦拒賠，職業索賠代理(li)人(ren)(ren)往往持委托書纏訴，糾(jiu)紛較難化解。因此(ci)在交通事(shi)(shi)故賠償(chang)處(chu)理(li)中(zhong)，事(shi)(shi)故傷(shang)者(zhe)、被保(bao)險人(ren)(ren)應審(shen)慎對待“人(ren)(ren)傷(shang)黃(huang)牛”對賠償(chang)事(shi)(shi)項的介入，合法維護自身權(quan)益。