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我国机动车交通事故强制责任保险问题及对策


全文字数:17000字左右  原创时间:<=2022年

【内容摘要】

我国机动车交通事故强制责任保险问题及对策


                             中文摘要

机动车交通事故责任强制保险(简称交强险)是我国首个由国家法律规定实行的强制保险制度。建立交强险制度有利于道路交通事故受害人获得及时的经济赔付和医疗救治;有利于减轻交通事故肇事方的经济负担,化解经济赔偿纠纷;有利于促进驾驶人增强交通安全意识;有利于充分发挥保险的保障功能,维护社会稳定。本文通过对交强险的发展历程与新颁布的交强险的相关条例的解读,结合交强险在自颁布以来在具体实施过程中遇到的问题对交强险进行了多角度的分析,主要涉及交强险的定价过程与运行机制,以及浮动费率和救助基金等问题。并对就如何完善交强险提出了相关的建议:定价过程应该更透明;制定科学合理的交强险价格,完善费率浮动;同时借鉴国外的发展经验完善我国交强险。

关键词:交强险;救助基金;责任限额;浮动费率
CHINA'S MOTOR VEHICLE ACCIDENTS MANDATORY LIABILITY INSURANCE PROBLEMS AND COUNTERMEASURES

ABSTRACT

Motor vehicle traffic accident liability compulsion insurance is the first compulsion insurance system executed by national law in China. It is prescribed in《Statute of Motor Vehicle Traffic Accident Liability Compulsion Insurance》 that traffic accident liability compulsion insurance is a kind of liability compulsion insurance which should be compensated by the insurance agent within the liability limit when traffic accident happened to the insured vehicle and caused person casualty and property loss of the victim (not including the person in the insured vehicle and the insurant).This insurance makes a great significance to solve the traffic accident problem and protect the interest of weak men. Establishing the Motor vehicle traffic accident liability compulsion insurance is helpful for the victims to traffic accident to get compensation and medical treatment and ease the economy burden of the trouble-causing people of a traffic accident and solve the entanglement of economy compensation, the float rate system which awards the good and punishes the bad is helpful for the driver to promote the their safety consciousness and fully realize the safeguard function of insurance and maintain the society stabilization. This article through to has handed over strong dangerous the development process and the new promulgation junction strong danger related rule explanation, the union hands over the strong danger in the question which meets in the concrete implementation process to hand over the strong danger since the promulgation to carry on the multiple perspectives analysis, how to consummate hands over the strong danger to propose the corresponding policy and the suggestion

Key  words: Motor vehicle traffic accident liability compulsion insurance;  Salvation fund;  Liability limit ; Float fee

 

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