机动车第三者责任强制保险中保险责任问题研究

【作者】 曾芳芳；

【导师】 王洪；

【作者基本信息】 西南政法大学 ， 法律， 2006， 硕士

【摘要】 机动车第三者责任强制保险是指由保险公司对被保险机动车发生交通事故造成受害人的人身伤亡、财产损失进行赔偿的责任保险。自《道路交通安全法》将其明确为法定保险后。有关机动车第三者责任强制保险的法律问题也日益成为人们讨论的热点，在法学理论界和法律实务界引起了广泛的关注。这个问题的重要性和争议性也引起了笔者强烈的兴趣。本文对机动车第三者责任保险中的保险责任问题进行了探讨，并提出了自己的一些建议。全文除引言和后记外，共分为六个部分 第一部分是机动车第三者责任强制保险导论。本部分前三节主要阐明了机动车第三者责任强制保险的产生与发展、功能定位，以及它的强制性效力。第四节详细阐述了机动车第三者责任强制保险的正当性基础。分配正义与纠正正义相比，既可以保证受害人快速获得赔偿，又可以避免从经济上毁掉侵权责任人，从而成为机动车第三者责任强制保险的理论基础。而机动车第三者责任强制保险自身的社会公益性又是其存在的现实基础。 第二部分对机动车第三者责任强制保险的责任原则进行探讨。本部分前两节以交通事故中被保险人的民事侵权责任的归责原则为基础，对国内外的机动车强制责任保险的责任原则进行了介绍。后两节详细分析了我国强制三者险采用无过错责任原则的原因，并进一步指出《机动车保险条款(2000)》所规定的免责事由在保护第三者利益上缺陷。 第三部分讨论了机动车第三者责任强制保险的责任范围。在前两节，由交通事故所造成的损害的类型引出不同国家与地区对机动车强制责任保险责任范围的规定，并详细介绍了我国机动车责任强制保险的责任范围与项目。在第三节，笔者首先列举了对我国强制三者险责任范围的两种不同认识，而后从机动车责任强制保险的核心宗旨、我国现在的国情及世界上其他国家的立法经验三方面论述了我国现阶段不宜将财产损失纳入机动车责任强制保险的责任范围。 第四部分对机动车第三者责任强制保险的责任限额进行了分析。第一节对责任限额的含义、类型、机动车强制责任规定限额的意义进行了说明。第二节指出了我国对责任限额规定的缺陷：其一是没有规定确切的金额，其二是仅作了原则性规定。第三节阐释了我国确定责任限额需要考虑责任保险的基本目标、投保人负担能力、公平与效率等方面的因素。更多还原

【Abstract】 Motor vehicle third-party liability compulsory insurance is a kind of liability insurance which the insurance company compensates the victim’s loss caused by a traffic accident. Motor vehicle third-party liability compulsory insurance becomes focus after it becomes the legal insurance, especially in the field of juridical theory and judicial practice. With the strong interests in this field, I choose Motor vehicle third-party liability compulsory insurance as my graduate study subject. This paper is composed of six parts besides the foreword and conclusion.Part one is the introduction of Motor vehicle third-party liability compulsory insurance. The first section introduces the origin and development of Motor vehicle third-party liability compulsory insurance. With the concerns on the victims of traffic accident, the Motor vehicle third-party liability compulsory insurance develops from voluntary direction to compulsory direction, and then become a kind of legal insurance. The second section discusses the function of Motor vehicle third-party liability compulsory insurance. The third section discusses the compulsory effect of Motor vehicle third-party liability compulsory insurance. The fourth section discusses foundation of properness of Motor vehicle third-party liability compulsory insurance.Part tow discusses the principles of liability of Motor vehicle third-party liability compulsory insurance. Base on the principles of liability determination relating to insured person’s civil infringement liability, the former tow sections introduce the principles of liability determination of Motor vehicle third-party liability compulsory insurance in foreign countries. The latter tow sections analyze the reason why our country applies no-fault liability to third-party liability compulsory insurance and point out the defects of ’Motor vehicle insurance clause (2000)’ in the protection of third party’s interests.Part three the scope of Motor vehicle third-party liability compulsory insurance. The former tow sections introduce different scopes of Motor vehicle third-party liability compulsory insurance in different countries or regions result from various traffic accidents, then introduce in detail the scope and item of Motor vehicle third-party liability compulsory insurance in our country. The third更多还原