[理賠] 請教第三責任險精神賠償"認定"
家人因車禍和肇事者的產險代表談和解中..
肇事者有保「第三責任險」，
具體內容我們無從知悉，但第三責任險理賠項目應該有包含"精神損失"吧？
家人臉和脖子破相(線型疤相加超過20cm)、顏面神經＆視力受損(醫生鑑定無法恢復)
產險公司卻說以上他們都不賠精神損失，
請問第三責任險的"精神賠償"到底是如何認定？
以上麻煩各位協助解惑，非常感謝！
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