对“车下驾驶人”是否应免赔的分析

Analyses on Whether the Driver Outside the Motor Vehicle Should be Compensated

我国交强险对于本车人员及被保险人的损害是拒赔的,而交强险条款中的被保险人是指投保人及其允许的合法驾驶人。但是对于驾驶人下车后受到本车的伤害是否能够获得保险理赔,一直存在着争议。一种观点认为驾驶人离开车辆后就应当被当做第三者,保险公司应当理赔。另一种观点则认为驾驶人作为车辆的控制人,短暂下车后并不改变其作为车辆驾驶人的角色,保险公司可以拒赔。笔者认为,此类案件争议焦点实际上在于"驾驶人"这个概念的解释,同时对于交强险中相关概念及条款的解释不应当简单地适用不利解释原则做出对保险人不利的解释。

In our country, the compensation to me mjurmb t）~ Va^cl,~c,~ ,1 the motor vehicle compulsory liability insurance. The clause of the motor vehicle compulsory liability insurance identyfies the insured as the insurant and legitimate driver. But whether the driver should be compensated when he gets off the motor vehicle and is injured by his own vehicle is always not clear. A kind of viewpoint is when the driver gets off the motor vehicle he should be treated as the third par- ty. Another kind of viewpoint thinks the driver as the controller of the motor vehicle, his getting off the car temporarily does not change the status as a driver so the insurance company can decline the claim. The paper points out that the focus of the debate is the explanation about the word of ＂driver＂. Also,the explanation of the clause of the motor vehicle compulsory liability insurance can not simply wse the unfavorably explained principles to make unfavorable explanation to the insurer.