金融消费者权益保护:全国首例醉酒交通肇事保险赔偿案

Financial Consumer Protection:First Case of Drunken Traffic Accident Insurance Claims in China

醉酒交通肇事保险公司免赔似成惯例,反射出我国金融消费者在权益保护方面的弱势地位和认识误区。近期济南两级法院做出的全国首例醉酒驾驶交通肇事判决保险公司赔付案,彰显了金融司法监管的威力,并为如何创新监管体系以维护金融消费者权益,促进金融交易公平化提供了理念上的启示。

It is an accepted practice that the insurance company could exempt from liability of drunken driving compensation.It reflects the weak position and some misunderstandings of financial consumers in our country.Recently,Jinan Intermediate and District People’s Courts made the first verdict respectively nationwide,which decreed insurance company compensate for insurance beneficiary which was damaged in drunken driving traffic accident.This verdict demonstrates the power of financial judicial supervision and reminds us of how to promote financial transactions more equitable.