我国“交强险”中第三者的范围界定及其立法完善

机动车交通事故之受害者是否属于机动车责任强制保险"第三者"范围,直接关系到保险人责任之承担。而我国的"交强险"条例中第三者不包括本车人员和被保险人。本文通过对本车人员和被保险人进行分析,指出在某些情况下本车人员和被保险人可以向第三者转化,从而提出第三者范围时间点和第三者范围的新界定。

Whether the victims of motor vehicle traffic accidents are in the scope of motor vehicle liability compulsory insurance ＂third party＂, directly related to the responsibilities held by the insurer. But the passen-gers and the insured are not in the regulations of the third parties. Through analyzing the passengers and the in-sured of the car, the article points out that in some cases the passengers and the insured can be the third party and proposes a new definition of the time and scope of the third party.