论交强险中的精神损害赔偿

发布时间：2018-03-11 17:48

本文选题：交强险　切入点：精神损害　出处：《华东政法大学》2014年硕士论文　论文类型：学位论文

【摘要】：在同时投保交强险和商业三责险的情况下，由于商业三责险责任免除条款的限制，交强险在死亡伤残责任限额中赔偿精神损害抚慰金的顺序安排将直接影响商业三责险的赔偿数额。也正是这一问题引发了业界对于交强险中精神损害赔偿问题的密切关注。保险业界、司法实务界、学术界纷纷对此发表不同观点，争议不可谓不大。在这些纷繁的争议中，笔者运用规范分析法、比较研究法等方法，对相关问题和学说展开分析，试图回答以下重要问题：交强险是否应当为精神损害提供救济，交强险中精神损害抚慰金该如何赔偿，交强险赔偿精神损害赔偿存在什么障碍，又该如何对症下药等等。第一章是精神损害抚慰金入交强险问题研究。从精神利益与精神损害的概念界定入手，明确讨论范围，概述相关争议，指出回答交强险是否保障精神损害的关键是其价值理念与精神损害救济的匹配度。在此基础之上，沿着交强险立法宗旨与交通事故中精神损害的特性两条路径深入，并结合域外法比较研究，得出肯定结论。第二章是精神损害抚慰金在交强险中赔偿顺序问题研究。从典型问题入手，梳理法规与司法实务层面对该问题态度的变化发展，而后重点评析学界争议观点。在此基础之上，以法律关系为切入点，，阐述精神损害在三层法律关系中的地位，突出请求权人在确定精神损害抚慰金与其他项目的赔偿顺序上的决定性作用，总结得出请求权人意思自治论。第三章是反思交强险赔偿精神损害所遇到的问题，提出立法建议。从交强险赔偿精神损害抚慰金的司法实务角度出发，对于精神损害赔偿诉累问题、精神损害赔偿数额厘定办法等问题进行研究，在此基础之上借鉴域外法有益经验，提出完善我国交强险制度的立法建议。
[Abstract]:In the case of both commercial insurance and commercial triple liability insurance, as commercial triple liability is exempted from the restrictions of the terms, The order of compensation for mental damage in death and disability liability limit will directly affect the amount of compensation for commercial triple liability insurance. It is precisely this issue that has caused the industry to pay compensation for mental damage in traffic insurance. Pay close attention to the insurance industry, In the field of judicial practice, the academic circles have one after another expressed different views on this issue. In these numerous disputes, the author uses the methods of normative analysis, comparative research and other methods to analyze the relevant problems and theories. This paper tries to answer the following important questions: whether the Jiaotong insurance should provide relief for the mental damage, how to compensate the compensation for the mental damage in the traffic insurance, what obstacles exist in the compensation for the mental damage in the traffic insurance, and how to remedy the case and so on. The first chapter is a study on the issue of compensation for mental injury in traffic strength insurance. It begins with the definition of the concept of spiritual interests and mental damage, defines the scope of discussion, and outlines the relevant disputes. It is pointed out that the key to answer whether the traffic insurance can protect the mental damage is the matching degree between its value concept and the relief of the mental damage. On the basis of this, the legislative aim of the traffic insurance and the characteristics of the mental damage in the traffic accident are deeply followed. Combined with the comparative study of extraterritorial laws, the positive conclusion is drawn. The second chapter is a study on the compensation order of mental injury consolation in traffic insurance. Starting with the typical problems, this chapter combs the change and development of the attitude towards the problem at the level of law and judicial practice, and then focuses on the comments on the controversial viewpoints of academic circles. Taking the legal relationship as the starting point, this paper expounds the status of spiritual damage in the three levels of legal relations, highlights the decisive role of the claimant in determining the compensation order of the compensation for spiritual damage and other items, and concludes the theory of autonomy of the claimant's meaning. The third chapter is to reflect on the problems encountered in compensation for mental damage in traffic insurance, and to put forward legislative proposals. From the angle of judicial practice of compensation for mental damage in traffic insurance, the author tries to deal with the problem of compensation for mental damage. On the basis of studying the method of determining the amount of compensation for mental damage, this paper draws lessons from the beneficial experience of the extraterritorial law and puts forward some legislative suggestions to perfect the system of compulsory traffic insurance in China.
【学位授予单位】：华东政法大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D923;D922.14

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