关于我国机动车交通事故责任强制险相关问题的探讨

内容摘要

2006年7月1日《机动车交通事故责任强制保险条例》的颁布实施，使我国机动车交通事故责任强制险（也称“机动车第三者责任强制险”）得到了实质性的发展。然而，纵观世界其他国家和地区机动车交通事故责任强制险发展比较完善的国家，我国在这方面还存在着许多不足之处：比如机动车交通事故责任强制险中保障范围过大、保险费率体系以及保险责任限额等有待进一步合理化；交通事故社会救助基金的来源具有不确定性以及其运用有待完善等问题。本文在借鉴国外机动车交通事故责任强制险发展经验的基础上并结合我国的实际情况提出了具有针对性的合理建议与措施，以此来推进我国机动车交通事故责任强制险的改革和发展。

关键词：交通事故责任强制险   责任限额   费率体系   救助基金  
About our country mechanical transport accident risk compulsion danger related question discussion

Abstract

On July 1, 2006 "Mechanical transport Accident risk Compulsory insurance Rule" the promulgation implementation, causes our country mechanical transport accident risk compulsion danger (also saying that “vehicle third party risk compulsion danger”) obtained the substantive development. However, holoscopic world other countries and the area mechanical transport accident risk compulsion danger development quite perfect country, our country also has many deficiencies in this aspect: For instance in the mechanical transport accident risk compulsion danger safeguards the scope oversized, the premium rate system as well as the insured liability quota and so on waits for further rationalizing; The traffic accident society rescues the fund the origin to have the uncertainty as well as its utilization waits for consummating and so on questions. This article in profited from the overseas mechanical transport accident risk compulsion danger development experience's foundation and unifies our country's actual situation to propose had the pointed reasonable suggestion and the measure, advanced our country mechanical transport accident risk compulsion danger by the reform and the development.

Key words: Compulsory traffic accident liability insurance    Liability limits  
Rate system   Relief fund

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