交通事故后，保险人有什么责任和义务？-交通事故认定及赔偿法律援助-法律咨询免费平台-国际律师联盟

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问题	交通事故后，保险人有什么责任和义务？
释义	法律分析：依据我国保险法规定，当保险合同约定的保险事故发生时，保险人有责任给付保险金。保险人应当按照合同约定的期限和方式履行给付保险金的义务。保险人还负有调查确认保险事故的责任。同时，保险人也有追偿权利，即当第三方对被保险人造成损失时，保险人可以代替被保险人向第三方追偿。在交通事故中，如果被保险人发生了损失，保险人需要依照保险合同的约定给付相应的赔偿金，并承担相应的调查确认责任和追偿权利。法律依据：《中华人民共和国保险法》第七章保险合同的履行第三十三条第三十七条第五十一条。
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