我国交强险制度存在的问题及其对策

发布时间：2018-07-09 15:21

本文选题：交强险 + 保险模式　；参考：《宁波大学》2014年硕士论文

【摘要】：交强险以其保障公民权利理念,从而成为实现社会正义不可或缺的一环。但我国交强险因建立周期尚短,存在着保险目标定位偏差、保险模式选择冲突、人身损害赔偿不足、本车乘员未入保障范围、受害第三人直接求偿权不充分以及保险人对受害人抗辩权过度等问题,急需予以完善。对此,文章通过比较分析、实证分析、文献研究等方法,在充分借鉴其他国家或地区交强险制度的基础上,以“可实践的效率与公平”理念为指导,针对现实中存在的问题,提出自己的观点。文章第一部分从交强险的涵义入手,介绍了交强险制度的历史、理论渊源,明确其原则和目标定位,为研究我国交强险制度并予以完善打下基础。第二部分在研究我国交强险制度现状的基础上,分析保险目标、模式安排、赔偿范围、赔偿对象、受害人权利以及保险人抗辩权等内容,指出交强险制度存在的问题。第三部分对世界上主流的三种交强险模式,以及域外交强险制度中的成功范例进行介绍,为我国制度完善提供经验借鉴。第四部分在上述研究的基础上,以混合模式的完善为突破口,提出完善对策,探索了适合我国交强险制度发展的举措。主要是包括建立以人身损害单一赔偿、分项限额取消、较高额度保障的赔偿体系;以全面赋予受害第三人直接请求权为重点进一步建立快速赔付体系;从合理限定保险人抗辩权、将本车乘员纳入保障范围两个方面强化事故受害人的权利保障等内容。
[Abstract]:Traffic insurance has become an indispensable link to realize social justice because of its concept of protecting civil rights. However, due to the short period of establishment of traffic insurance in China, there is a deviation in the orientation of insurance targets, conflicts in the choice of insurance modes, insufficient compensation for personal injury, and the lack of protection for the occupants of the vehicle. It is urgent to improve the third party's direct claim and the insurer's excessive right to defend the victim. In this paper, through comparative analysis, empirical analysis, literature research and other methods, based on the full reference of other countries or regions traffic insurance system, with the "practical efficiency and fairness" as a guide, aiming at the existing problems in reality, Put forward one's point of view. The first part of the article starts with the meaning of the traffic insurance, introduces the history, the theory origin, the principle and the target orientation of the system, and lays the foundation for the study and perfection of the system of the strong traffic insurance in our country. In the second part, on the basis of studying the present situation of our country's traffic insurance system, the author analyzes the insurance target, the mode arrangement, the compensation scope, the compensation object, the victim's right and the insurer's right of defense, and points out the problems existing in the traffic insurance system. The third part introduces the three major traffic insurance modes in the world, and the successful examples in the extraterritorial traffic insurance system, which provides experience for the improvement of our country's system. On the basis of the above research, the fourth part puts forward the perfect countermeasures and explores the measures suitable for the development of the traffic insurance system in our country, taking the perfection of the mixed mode as the breakthrough point. It mainly includes the establishment of a compensation system with a single compensation for personal injury, the cancellation of the sub-quota, and a higher amount of protection, and the further establishment of a quick compensation system with the emphasis on giving the third party the direct right to claim comprehensively. From the reasonable limitation of the insurer's right of defense and the inclusion of the occupants of the vehicle into the scope of protection, the contents of strengthening the protection of the rights of the accident victims are strengthened.
【学位授予单位】：宁波大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.14

【参考文献】