美国未保险驾车者险研究——兼论对我国道路交通事故救助制度的启示

发布时间：2018-05-28 10:37

  本文选题：社会救济 + 交通安全　； 参考：《技术经济与管理研究》2017年01期

【摘要】：未保险驾车者险是美国保险业应对基于未保险驾车者责任的交通事故损害的一种保险,是一种应对第三人没有保险的保险,是美国保险业的创造。该险种对于被保险人有效应对在交通事故中受到未保险驾车者损害的风险有积极意义。文章从未保险驾车者险存在的理论基础出发,对美国未保险驾车者险的险种缘起、实践、与其它救济方式的对比、存在的问题等方面做了分析,并结合我国道路交通事故救助基金,对我国机动车交通事故中不能从保险渠道获得赔偿的救济部分的商业运作模式做了思考。
[Abstract]:The uninsured driver's insurance is a kind of insurance against traffic accident damage based on the liability of the uninsured driver in the United States. It is a kind of insurance for the third person without insurance and is the creation of the American insurance industry. This kind of insurance has positive significance for the insured to deal with the risk of damage caused by uninsured drivers in traffic accidents. This paper analyses the origin, practice, comparison with other remedies, problems and so on of the uninsured drivers' insurance in the United States, based on the theoretical basis of the existence of the uninsured driver's insurance, and the analysis is made on the origin, practice, comparison with other relief methods and the existing problems of the uninsured driver's insurance in the United States. Combined with the road traffic accident relief fund in our country, the commercial operation mode of the relief part of the motor vehicle accident that can not be compensated from the insurance channel in our country is considered.
【作者单位】： 对外经济贸易大学国际经贸学院;中国石油大学工商管理学院;
【基金】：中央科研基本费项目(ZX20150115)
【分类号】：F847.12;F842.634
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本文编号：1946381