论醉酒驾车致人损害的交强险赔付问题

The Indemnity of Compulsory Automobile Liability Insurance to Drunk Driving

本文论述了醉酒驾车致人受损的交强险赔付问题。在分析了矛盾双方,即法院与保险人的观点后,指出《机动车交通事故责任强制保险条例》第22条应优先适用于《道路交通安全法》第76条。同时,第76条与第22条中涉及的"财产损失"时,均是从广义上来适用的,即"财产损失"应当包括"人身损失"。文章指出,在保险产品设计中,将酒后驾车列为除外责任是符合风险管理基本原理的。发生醉酒驾车导致交通事故的,保险人除按规定垫付抢救费用以外,对于其他损失和费用均不应承担垫付和赔偿责任。文章提出了逐步改变个案判决要求保险人承担赔偿责任的做法;对有酒后驾驶记录的被保险人提高保险费率;"醉驾入罪"及实施并完善道路救援基金制度,以最终实现交强险制度的本义。

This paper discusses the indemnity of compulsory automobile liability insurance to drunk driving.After analyzing the court and insurer＇s viewpoints,it points out that Article 22 of Compulsive Insurance Regulations on the Responsibilities to Motor Vehicles Traffic Accidents should be superior to the implementation of Article 76 of Road Traffic Safety Law.The meaning of property losses in Article 22 and Article 76 should be explained as property and personal losses.It is according to the basic theory of insurance that eliminating damage by drunk driving from the liabilities of insurer.The insurer should not be judged to pay for any losses except the liabilities of compensations for rescuing the wounded.This paper issued some suggestions for resolving those disagreements： to change the practice by the court gradually,not impetuously;to raise the rate of insurance fee to those people who have been recorded with drunk driving;to give drunk driver criminal punishments and carry out the policy of road rescue foundation,so as to realize the initial move for compulsory automobile liability insurance.