交强险制度的解释适用与立法完善

The Judicial Explanation and Legislative Perfection of Motor Vehicle Compulsory Insurance

在交强险的实践中,存在很多有争议的问题,如保险公司赔偿责任的性质,无证、醉酒驾驶情形保险公司是否应当承担赔偿责任,分项责任限额是否应当打破,医疗费用的赔偿标准以及精神损害是否应当赔偿等。最高人民法院针对交通事故处理法律适用的司法解释(征求意见稿)对这些争论问题都作了回应,多数规定符合交强险的立法宗旨,但通过司法解释解决现行交强险的问题有很大局限性,应当通过立法途径彻底解决交强险的基本制度结构缺陷。

There were many controversial issues in the practice of motor vehicle compulsory insurance such as the nature of the insurance company＇s liability ,whether the insurance company should compensate when the driver driv- ing without license or drunk, whether the various liability capper item can be exceeded, the criteria of medical ex- pense compensation and whether the mental damages should be included. The draft of judicial interpretation of the Supreme Court for soliciting opinions on traffic accidents responded to these questions, and most of the provisions conformed to the legislative aim of related laws. However, the judicial interpretation has a very limited role in solving the current problems of motor vehicle compulsory insurance system. Only through legislative ways can the structural defects of motor vehicle compulsory insurance be properly delt with.