两岸机动车强制责任保险保障范围比较研究
发布时间：2019-05-11 18:24
【摘要】：机动车强制责任保险设立的初衷是保障交通事故受害人获得及时、便捷和有效的赔偿,从而维护交通安全秩序及整个社会的稳定。对受害人而言最为关键的就是该保险对于保障范围的界定。本文从海峡两岸机动车强制责任保险的保障范围出发,对两岸的不同立法规定进行对比分析,从中分析出台湾地区先进立法的可借鉴之处,最终提出完善大陆地区机动车强制责任保险保障范围的立法建议。本文主体共分三个部分。第一部分两岸机动车强制责任保险概论。阐述我国机动车强制责任保险制度的特征及功能定位,由机动车强制责任保险与商业机动车第三者责任的区别,分析出强制保险制度的特征,为之后的对比分析做出铺垫。分别对海峡两岸关于机动车强制责任保险的历史沿革及发展现状进行阐述,由此提出大陆地区目前可借鉴台湾地区的立法建议。第二部分两岸机动车强制责任保险保障范围比较。主要从保障主体、赔偿范围及保障范围的除外条款三个层面对两岸在保障范围内的规定进行比较分析,分别分析各自制度的利弊,提出台湾地区值得大陆地区借鉴的制度规范。第三部分完善我国机动车强制责任保险保障范围的建议。主要包括：采取专门立法模式；明确保障主体范围；调整赔偿责任限额；严格限制保障范围的除外情形。
[Abstract]:The original intention of motor vehicle compulsory liability insurance is to ensure timely, convenient and effective compensation for traffic accident victims, so as to maintain traffic safety order and the stability of the whole society. The most important thing for the victim is the definition of the scope of protection. Starting from the scope of protection of compulsory liability insurance for motor vehicles on both sides of the Taiwan Strait, this paper makes a comparative analysis of the different legislative provisions of the two sides of the strait, and analyzes the points that can be used for reference in the advanced legislation in Taiwan. Finally, the paper puts forward some legislative suggestions to improve the scope of compulsory liability insurance for motor vehicles in mainland China. The main body of this paper is divided into three parts. The first part is an introduction to compulsory liability insurance for motor vehicles on both sides of the strait. This paper expounds the characteristics and functional orientation of the compulsory liability insurance system of motor vehicles in our country, analyzes the characteristics of the compulsory insurance system from the difference between the compulsory liability insurance of motor vehicles and the third party liability of commercial motor vehicles, and paves the way for the subsequent comparative analysis. This paper expounds the historical evolution and development status of motor vehicle compulsory liability insurance on both sides of the Taiwan Strait, and puts forward some legislative suggestions for the mainland to draw lessons from Taiwan at present. The second part is the comparison of the scope of compulsory liability insurance for motor vehicles between the two sides of the strait. This paper mainly makes a comparative analysis of the provisions of the two sides of the strait within the scope of protection from three aspects: the subject of protection, the scope of compensation and the exclusion clause of the scope of protection, analyzes the advantages and disadvantages of their respective systems, and puts forward the institutional norms worthy of reference in Taiwan. The third part is the suggestion of perfecting the scope of compulsory liability insurance for motor vehicles in our country. It mainly includes: adopting special legislative mode; defining the scope of protection subject; adjusting the limit of liability; strictly limiting the scope of protection except.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.284
本文编号：2474743
[Abstract]:The original intention of motor vehicle compulsory liability insurance is to ensure timely, convenient and effective compensation for traffic accident victims, so as to maintain traffic safety order and the stability of the whole society. The most important thing for the victim is the definition of the scope of protection. Starting from the scope of protection of compulsory liability insurance for motor vehicles on both sides of the Taiwan Strait, this paper makes a comparative analysis of the different legislative provisions of the two sides of the strait, and analyzes the points that can be used for reference in the advanced legislation in Taiwan. Finally, the paper puts forward some legislative suggestions to improve the scope of compulsory liability insurance for motor vehicles in mainland China. The main body of this paper is divided into three parts. The first part is an introduction to compulsory liability insurance for motor vehicles on both sides of the strait. This paper expounds the characteristics and functional orientation of the compulsory liability insurance system of motor vehicles in our country, analyzes the characteristics of the compulsory insurance system from the difference between the compulsory liability insurance of motor vehicles and the third party liability of commercial motor vehicles, and paves the way for the subsequent comparative analysis. This paper expounds the historical evolution and development status of motor vehicle compulsory liability insurance on both sides of the Taiwan Strait, and puts forward some legislative suggestions for the mainland to draw lessons from Taiwan at present. The second part is the comparison of the scope of compulsory liability insurance for motor vehicles between the two sides of the strait. This paper mainly makes a comparative analysis of the provisions of the two sides of the strait within the scope of protection from three aspects: the subject of protection, the scope of compensation and the exclusion clause of the scope of protection, analyzes the advantages and disadvantages of their respective systems, and puts forward the institutional norms worthy of reference in Taiwan. The third part is the suggestion of perfecting the scope of compulsory liability insurance for motor vehicles in our country. It mainly includes: adopting special legislative mode; defining the scope of protection subject; adjusting the limit of liability; strictly limiting the scope of protection except.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.284
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相关硕士学位论文 前1条
1 赖筱芳;我国机动车强制责任保险法律问题研究[D];厦门大学;2008年
，本文编号：2474743
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