随着生活质量的提高和维权意识的觉醒，人们由简单的基本生存需求升华到心理、尊严、人格等高层次的需求。目前，各种精神损害赔偿日渐增多，引起人们的关注。由保险事故引起的任何有关精神损害赔偿一直为免除责任。其实，各方都在翘首以盼，吃吃这只“大螃蟹”。我国属自然灾 With the improvement of the quality of life and the awakening of the awareness of rights protection, people from the simple basic needs of life sublimated to the psychological, dignity, personality and other high-level needs. At present, various kinds of compensation for mental damages are increasing day by day, attracting people’s attention. Compensation for moral damages arising from an insurance accident has always been exempt from liability. In fact, all parties are eager to eat this “big crab.” My country is a natural disaster