交强险受损第三方权益保护问题探究

发布时间：2018-03-18 03:30

本文选题：强制责任保险　切入点：交强险　出处：《广西大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着中国的改革开放进一步推进,国家的经济水平和人民生活的得到了很大程度的提升,机动车迅速走入寻常百姓家,已经成为人们主要的代步工具。于此同时,我国机动车保有量的不断增加,加之我国交通设施薄弱,而且机动车驾驶人的素质以及交通安全意识相对低下,导致我国交通事故率居高不下。交通安全事故不仅对整个社会造成了巨大的经济损失,同时对于事故中个体的伤害更加值得关注。特别是交通事故的受损第三方,其往往并非事故的肇始者,却往往承担了事故所带来的巨大创伤,不仅有身体上的伤害还可能伴有精神上的创伤。而如果按照现行的法律规定,受损第三方不能得到更加全面有效的保障。我国交强险制度起步较晚,只有短短二十多年的发展历程,在许多制度的设定还不能很好的肩负起维护交强险各方权益、平衡各方利益的任务。为了更好的促进交强险事业的健康有序发展,也为了更有效地发挥交强险保障人身与财产损失的社会功能与责任,这不仅仅要求我们积极借鉴吸收先进国家和地区的制度经验,并充分与我国经济和社会等实际情况相结合,探索出一条适合我国实际的交强险制度。本文首先通过案例引出两个问题,即我国交强险受损第三方范围过于狭窄和受损第三方直接请求权规定限制过严的问题。然后针对于这两个问题分别进行论述。针对第一个案例通过对我国交强险受损第三方立法现状的揭示,指出我国交强险制度中受损第三方的范围方面存在过于狭窄的问题,继而分析其成因并结合域外国家和地区对于交强险受损第三方范围的相关规定,认为我国应当对受损第三方在范围上给予相应的扩大;针对第二个案例的问题:我国交强险受损第三方直接请求权行使有诸多限制。文章对我国的相关立法进行分析,比较域外国家和地区的法律规定,认为应当赋予受损第三方不附行使条件的请求权。
[Abstract]:With the further development of China's reform and opening up, the economic level of the country and the people's living standards have been greatly improved. Motor vehicles have rapidly entered the homes of ordinary people and have become the main means of people's movement. At the same time, The increasing number of motor vehicles in our country, coupled with the weak transportation facilities, the quality of motor vehicle drivers and the relatively low awareness of traffic safety. As a result of the high traffic accident rate in our country, traffic safety accidents not only cause huge economic losses to the whole society, but also pay more attention to the individual injuries in the accidents. It is often not the originator of the accident, but it often bears the great trauma caused by the accident, not only the physical injury but also the mental injury. And if, according to the existing law, The injured third party cannot get more comprehensive and effective protection. China's traffic insurance system started relatively late, has only a short history of more than 20 years of development, and the establishment of many systems has not been able to shoulder the rights and interests of all parties involved in the traffic insurance system very well. The task of balancing the interests of all parties. In order to better promote the healthy and orderly development of the traffic insurance industry, and to give more effective play to the social functions and responsibilities of the traffic insurance industry in safeguarding personal and property losses, This not only requires us to actively learn from the institutional experience of advanced countries and regions, and fully integrate with the actual economic and social conditions of our country, To explore a suitable system of traffic insurance in China. Firstly, this paper leads to two problems through cases. That is, the scope of the injured third party in our country is too narrow and the limitation of the direct claim right of the injured third party is too strict. Then the two problems are discussed separately. The disclosure of the current situation of the legislation of the injured third party, This paper points out that there are too narrow problems in the scope of the third party damaged in the traffic insurance system of our country, and then analyzes its causes and combines with the relevant regulations of the foreign countries and regions for the scope of the third party damaged in the traffic insurance system. In view of the problem of the second case: there are many restrictions on the exercise of the right of direct claim of the injured third party in our country, the article analyzes the relevant legislation of our country. Comparing with the laws of foreign countries and regions, the author thinks that the injured third party should be granted the right of claim without the conditions of exercise.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.14

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