交强险的赔偿范围及除外责任的理解和适用

COMPREHENSION AND APPLICATION OF THE COMPENSATION SCOPE AND EXCLUSION OF COMPULSORY TRAFFIC INSURANCE

笔者因一起驾照与准驾车型不符导致的交通事故的保险索赔案引发了对交强险的赔偿及其除外责任的理解和适用问题的思考。通过对交强险《条例》及《条款》相关内容的分析,认为交强险作为政策性的、法定的第三者责任保险,除非保险合同中明确载明的免责情形外,保险公司应本着诚信原则,依法承担交强险的赔偿责任。同时针对现行交强险制度提出了相关建议。

A traffic insurance compensation case caused by driving license inconformity with driving admission vehicle type leads to the reflection over the comprehension and application of compulsory traffic compensation scope and its exclusion. Through an analysis of the ＂Regulations＂ and ＂Provisions＂ of compulsory traffic insurance, the author concludes that as a law and policy, the insurance company should bear the compensation liabilities according to the law except for the exclusions clearly prescribed in the insurance contract. In the meantime, the author puts forward some suggestions aiming at the existent compulsory traffic insurance.