完善处理交强险案件的法律规则之我见——从最高人民法院《关于审理道路交通事故损害赔偿案件适用法律若干问题的解释(征求意见稿)》谈起

My View on Perfecting Rules of Dealing with Cases of Mandatory Motor Vehicle Traffic Liability Insurance——To Begin with the Interpretation of Application of Law for Trying Cases of Traffic Accident Damages Compensation(Opinion Soliciting Draft)of the Sup

机动车交通事故责任强制保险在全国范围内适用至今的6年以来,始终为社会公众所关注,尤其是有关交强险案件的审理更是热点话题。因此,出于提高处理交强险案件的司法裁判水准的需要,最高人民法院制定相应的法律规则便意义重大。不过,笔者解读了其发布的《关于审理道路交通事故损害赔偿案件适用法律若干问题的解释(征求意见稿)》,感觉尚有诸多需要完善之处,因此,借助本文,分别从交强险和商业第三者责任保险的适用关系,被保险人与投保人各自在交强险中的法律地位,交强险与侵权责任制度之间的适用关系,交强险与《保险法》的适用关系等四个方面,阐述个人的看法,以便促进有关处理交强险的法律规则的完善。

Mandatory Motor Vehicle Traffic Liability Insurance has captured quite some public attention since it was applied six years ago, especially the trial of cases of mandatory motor vehicle traffic liability. Therefore, to enhance the level of judicial judgment, it is of great significance that the Supreme Court has made corresponding rules. However, the author holds that it still has a lot to improve on the Interpretation of Application of Law for Trying Cases of Traffic Accident Damages Compensation （ Opinion Soliciting Draft）. In order to promote the perfection of rules dealing with mandatory motor vehicle traffic liability insurance, the author offered his personal opinion on the following four aspects in the paper--the application relationship between mandatory motor vehicle traffic liability insurance and commercial third-party liability insurance, the legal status of the applicant and the insured, the application relationship between mandatory motor vehicle traffic liability insurance and tort liability system, and the application relationship between mandatory motor vehicle traffic liability insurance and Insurance Law.