论“交强险”中第三人的认定

发布时间：2018-06-12 00:35

本文选题：机动车保险 + 第三人　；参考：《湖南工业大学》2016年硕士论文

【摘要】：国务院于2006年7月1日颁布施行了《机动车交通事故责任强制保险条例》,标志着我国正式建立了机动车道路交通事故责任强制保险制度,而机动车道路交通事故责任强制保险制度中其主要内容就是机动车道路交通事故责任强制保险,简称“交强险”。该保险实行近十年的时间,对于保障道路交通事故受害人获得及时有效的经济补偿和医疗救治,减轻交通事故肇事方的经济负担,维护社会和谐稳定等方面发挥了不可替代的作用。但是,由于我国对于“交强险”制度的立法并不完善,导致实践过程中产生了大量的争议,尤其是对于“交强险”制度所保障的对象,即“第三人”的范围,缺乏明确的界定,由此引发了大量交通事故受害人得不到“交强险”的保障。“交强险”的根本目的在于保障受害第三人,而第三人的范畴认定不清将直接影响该目的的实现。而我国关于机动车强制保险的理论研究多集中在论证“交强险”的必要性及合理性和第三人的请求权,对于“交强险”第三人的界定的研究并不多。而世界各国均有汽车强制保险,且对于汽车保险保障的范围,即第三人范围均有扩大的趋势,像美国、日本等国家其汽车强制保险中无过失保险制度、“他人性”等均有着借鉴意义。“交强险”的目的在于保护交通事故受害人能够得到及时的救济和补偿,而要充分实现这一目的,就需要在平衡各方利益的情况下,立法上及可能的扩大“交强险”第三人的范围,在司法上要严格落实“交强险”第三人的界定标准,从而保障交通参与人的合法权益,维护社会的稳定。
[Abstract]:On July 1, 2006, the State Council promulgated and implemented the regulations on compulsory liability Insurance for Motor vehicle Traffic Accidents, which marks the formal establishment of the compulsory liability Insurance system for Motor vehicle Traffic Accidents in China. The main content of compulsory insurance system of motor vehicle road traffic accident liability is compulsory insurance of motor vehicle road traffic accident liability. The insurance has been in effect for nearly 10 years, which will ensure that the victims of road traffic accidents receive timely and effective economic compensation and medical treatment, and reduce the economic burden of the parties involved in the traffic accidents. Maintaining social harmony and stability has played an irreplaceable role. However, due to the imperfect legislation of the "traffic insurance" system in our country, there have been a lot of disputes in the process of practice, especially the lack of a clear definition of the scope of the "third party" which is protected by the "traffic strong insurance" system. As a result, a large number of traffic accident victims can not be "traffic insurance" protection. The fundamental purpose of "traffic insurance" is to protect the third party who is injured, and the ambiguity of the category of the third party will directly affect the realization of the purpose. However, the theoretical research on compulsory motor vehicle insurance in China mainly focuses on the necessity and rationality of "traffic insurance" and the third party's right of claim, but there is not much research on the definition of "traffic compulsory insurance" for the third party. However, all countries in the world have compulsory automobile insurance, and the scope of automobile insurance, that is, the scope of the third party, has a tendency to expand. For example, the United States, Japan and other countries have no negligence insurance system in their compulsory automobile insurance. "he human nature" and so on all have the reference significance. The purpose of "traffic insurance" is to protect the victims of traffic accidents from receiving timely relief and compensation, and to achieve this goal fully, it is necessary to balance the interests of all parties. In order to protect the legitimate rights and interests of traffic participants and maintain social stability, legislation and possible expansion of the scope of the third party in "traffic insurance" should strictly implement the definition standard of the third party in "traffic strong insurance" in the judicial field.
【学位授予单位】：湖南工业大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.14

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