机动车第三者责任保险第三人直接请求权

【作者】 张玮；

【导师】 李力；

【作者基本信息】 南京师范大学 ， 民商法学， 2008， 硕士

【摘要】 机动车第三者责任保险以被保险人依法应当对第三人承担的赔偿责任为标的。第三人作为交通事故的受害人,当他受到交通事故的损害时,享有向被保险人请求赔偿的权利,加害方在赔偿之后可以依据合同向承担此项赔偿责任的保险人提出要求履行保险合同的请求,最终由保险人给付保险赔偿金。机动车第三者责任保险合同的当事人为投保人和保险人,关系人为被保险人。在发生保险事故时,被保险人享有请求保险人给付保险赔偿金的权利,而根据合同相对性原理,第三人不是合同的当事人,无权直接向保险人主张保险赔偿金的给付。这会导致第三人不能及时取得赔偿,而保险人拖延赔偿的不合理现象。在国外机动车保险业务发达国家不仅在具体的责任保险合同中规定了第三人直接请求权,而且纷纷通过立法形式赋予第三人直接请求权。而我国2006年才制定的机动车交通事故责任强制保险条例却依然没有规定第三人直接请求权。本论文通过历史与比较的方法,运用社会学的分析方式试图对我国机动车三者险中的第三人直接请求权进行全面的研究,提出在我国机动车第三者责任保险领域建立第三人直接请求权制度,以期能更好的保护受害第三人的利益。更多还原

【Abstract】 The third party motor liability insurance with insured should by law to the third party undertake of indemnification responsibility for object.The third party are a traffic accident to victimize a person and be the damage that he is subjected to traffic accident and possess the right which claims against toward the insured and add to harm a square can after indemnification according to the contract to undertake the insurer which compensates a responsibility to put forward the claim which claim to implement insurance contract, end from insurer benefit insurance indemnification gold.The party concerned of the liability insurance contract of the automobile third party is policy holder and insurer and relate to artificial insured.While take place insurance trouble, the insured possesses the benefit insurance of the claim insurer indemnification a gold of right, but according to the contract opposite sex principle, the third party aren’t the party concerned of contract and have no business direct to lay claim to insurance indemnification the benefit of the gold toward the insurer.This meeting can’t cause the third party obtain indemnification in time, but the insurer procrastinate compensatory not reasonable phenomenon.Abroad the business flourishing nation of the automobile insurance not only ruled in the concrete liability insurance contract the third party direct claim right, and give through a lawmaking form in succession the third party direct claim right.But our country the responsibility compulsive insurance regulation of the automobile traffic accident that draw up just in 2006 still ruled the third party direct claim right.This thesis passes the method of history and comparison, the analytical way of usage sociology try to our country automobile three insurance in of the third party direct claim right to carry on an overall research and put forward at our country the liability insurance realm of the automobile third party build up the third party direct claim right system to victimize by wishing a better protection the third party’s benefits.更多还原