再析“商业机动车第三者责任保险”的立法与实务

Reanalysis the Legislation and Practice of "Third Party Liability Insurance of Commercial Motor Vehicles"

《道路交通安全法》实施后,当机动车与非机动车、行人之间发生交通事故时,虽然《保险法》和保险条款都规定商业第三者责任险是以被保险人承担的赔偿责任为保险标的,但在实务中,保险公司通常是根据过错来厘定保险费率和承担保险责任的。冲突的根源是将交通事故责任与民事赔偿责任相混同。应正确认识交通事故认定书的性质,根据现状修改相关规定,以保持理论与实践的统一,减少赔偿纠纷,促进保险业的健康发展。

After the implementation of the Law of People＇s Republic of China on Road Traffic Safety, when accidents happen among motor vehicles, non -motor vehicles, and pedestrians, insurance companies usually stipulate insurance rate and provide responsibilities according to faults although the Law of Insurance and the insurance terms both stipulate that commercial third party liability insurance takes the liability for compensation of the insurant as the insurance object. The root of the conflict is to mix accident liability with civil liability for compensation. We should recognize the nature of traffic accident report correctly, and revise relevant stipulations in order to keep the unity of theory and practice, decrease compensation and dispute, and promote the healthy development of insurance industry.