我国法律明确禁止道路货物和旅客运输中的超载现象,《道路交通安全法》第四十八条、四十九条规定“机动车载物应当符合核定的载质量,严禁超载”,“机动车载人不得超过核定的人数,客运机动车不得违反规定载货。”然而,与法律规定相悖的是,超载一直是我国道路运输管理中的顽疾。近年来,尽管有关部门开展了声势浩大的“治超”专项行动,但超载作为客观存在的经济现象,显然在一段时期内还将普遍存在。那么,超载车辆一旦出险,保险公司该如何赔偿呢? China’s law explicitly prohibits overloading of road goods and passenger transport. Articles 48 and 49 of the Road Traffic Safety Law stipulate that “motor vehicles shall comply with the approved load quality and no overload shall be prohibited.” “Vehicles Passengers shall not exceed the approved number, and passenger motor vehicles shall not be loaded in violation of the regulations. ”However, contrary to the law, overloading has been a chronic illness in the management of road transport in our country. In recent years, despite the mammoth “special measures taken by the government to supervise and control”, the overloading as an objective economic phenomenon apparently will prevail over a period of time. So, once the overloaded vehicles out of insurance, insurance companies how to compensate it?