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问题	报案还没理赔算出险吗
释义	法律分析: 报案还没理赔不算出险。车险报案了但是没理赔的，保险公司系统中并不会存有赔偿记录，也不会影响第二年的保费优惠，只有保险公司进行了理赔，流程整个走完才能算是一次出险。《机动车交通事故责任强制保险条例》第二十八条被保险机动车发生道路交通事故的，由被保险人向保险公司申请赔偿保险金。保险公司应当自收到赔偿申请之日起1日内，书面告知被保险人需要向保险公司提供的与赔偿有关的证明和资料。
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