论机动车第三者责任保险中“第三者”的界定

On the "Third-party" of Motor Vehicle Third-party Liability Insurance

先根据合同相对性原理对机动车第三者责任保险中的"第三者"作出一般性解释,然后介绍我国机动车第三者责任保险对"第三者"外延的界定,再对相关界定作进一步的分析和评价,认为根据我国当前的相关立法环境可以将机动车第三者责任保险的被保险人调整为车辆实际使用人;被保险人不应该是机动车第三者责任保险中的"第三者;"从事驾驶工作的雇用驾驶员不应该成为机动车第三者责任保险的"第三者",但是其家庭成员应该包括在"第三者"之中;车上人员和被保险人的家庭成员是否应当成为"第三者",对于强制三责险和商业三责险应该区别对待。

Firstly the paper offered a general explanation about the definition of the ＂third-party＂ in the contract of the motor vehicle third-party liability insurance, and then introduced an extension definition of the term specifically in China＇s motor vehicle third-party liability insurance, and further analyzed and evaluated relevant concepts. The paper held the view that under the current legislative environment, the insured of the motor vehicle third-party liability insurance could be adjusted to the actual user of the vehicle ;and the insured should not be the ＂third-party＂ of this insurance, neither should the employed driver, but their family members should be included;the compulsory liability insurance and commercial liability insurance should treated it differently about whether passengers and the family members should be considered as the ＂third-party＂.