机动车交通事故责任险与民事赔偿关系研究

Study on Relation between Liability for Traffic Accident of Motor Vehicles and Civil Compensation

机动车交通事故责任强制险与商业险是两种性质不同的责任保险,二者具有不同的设计原理,对交通事故受害人赔偿时,后者与前者为补充和被补充关系。机动车交通事故责任强制险以保护受害人为目的,其赔偿不以机动车所有人、管理人对事故受害人的民事赔偿责任为基础;机动车交通事故责任商业险的赔偿则以机动车所有人、管理人的民事赔偿责任为基础。民事赔偿制度为受害人的损失提供最终赔偿保障。

Compulsory insurance regarding the liability in traffic accident of motor vehicles and commercial insurance regarding the liability in traffic accident of motor vehicles are two kinds of liability insurance with different quality. Their principles are different and the latter makes a complement to the former when to compensate the victims in traffic accident for their damage. The purpose of compulsory insurance regarding the liability in traffic accident of motor vehicles is to protect the victims and when to compensate the victims in traffic accident, it isn＇ t based on the liability for civil compensation of owners and administrators of motor vehicles but commercial insurance regarding the liability in traffic accident of motor vehicles is. Civil compensation system provides the ultimate compensation guarantee to the damage of the victims.