交强险第三人直接请求权问题研究

发布时间：2018-11-19 19:10

【摘要】：保险是分散危险和消化损失的制度。交强险制度自实施以来,不仅促进了道路交通安全,而且分散了机动车驾驶人的赔偿风险,保障了交通事故受害人的合法权利。交强险第三人直接请求权作为实现这一立法目的的重要手段,在制度设计方面还太简单,在受害第三人的范围、索赔的权利等方面都存在一定疑问。本文从交强险第三人直接请求权的法理分析出发,结合相关保险理论,以及我国交强险制度的现行法律规定和相关案例,并考察其他国家和地区的立法例,对交强险第三人直接请求权进行了探讨,以期交强险第三人直接请求权能够发挥其最大之功用,并使我国交强险制度更完善。除了引言和结论,本文分为以下四个部分:第一章为交强险第三人直接请求权的理论基础。本章以交强险第三人直接请求权的界定为起点,从含义与起源剖析了该项权利的性质和法理基础,并且阐述了该项制度的价值。第二章为我国的立法现状及存在的问题。本章从我国现行交强险法条规范入手,对我国交强险第三人直接请求权制度的问题进行分析,并阐述了该权利缺失所产生之弊端,从而论述确立交强险第三人直接请求权的必要性。第三章为相关法律的比较法分析。本章介绍了英、德、法、美、日、台等主要国家和地区的立法例,并总结分析了各自的特点,以期为完善我国相关法律提供借鉴。第四章为完善我国交强险第三人直接请求权的探讨。本章通过以上三章的讨论,提出完善交强险第三人直接请求权的具体建议。
[Abstract]:Insurance is a system for dispersing risks and digesting losses. Traffic insurance system has not only promoted road traffic safety, but also dispersed the risk of compensation for motor vehicle drivers since the implementation of the system, and ensured the legal rights of the victims of traffic accidents. As an important means to realize this legislative purpose, the direct claim right of the third party in traffic insurance is too simple in the system design, and there are some doubts in the scope of the third party who is injured and the right to claim for compensation. This article starts from the legal theory analysis of the direct claim right of the third party in traffic insurance, combined with the relevant insurance theory, the current legal provisions and relevant cases of our country's traffic compulsory insurance system, and investigates the legislation examples of other countries and regions. This paper probes into the direct claim right of the third party in traffic strong insurance, hoping that the direct claim right of the third party in traffic strong insurance can give play to its greatest function and make the system of traffic strong insurance in our country more perfect. In addition to the introduction and conclusion, this paper is divided into the following four parts: the first chapter is the theoretical basis of the third party's direct claim. This chapter starts with the definition of the right of direct claim of the third party in traffic compulsory insurance, analyzes the nature and legal basis of the right from the meaning and origin, and expounds the value of the system. The second chapter is the current situation of our legislation and the existing problems. This chapter analyzes the problems of the system of direct claim of the third party of traffic insurance in our country from the current regulations of traffic insurance law, and expounds the drawbacks of the lack of this right. The necessity of establishing the direct claim of the third party in traffic insurance is discussed. The third chapter is the comparative analysis of relevant laws. This chapter introduces the legislative examples of Britain, Germany, France, the United States, Japan, Taiwan and other major countries and regions, and summarizes and analyzes their characteristics, in order to provide reference for the improvement of relevant laws in China. Chapter four is to perfect the direct claim right of the third party of traffic insurance in our country. Through the discussion of the above three chapters, this chapter puts forward some concrete suggestions to perfect the direct claim right of the third party in traffic insurance.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.284

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