我国机动车交通事故责任强制保险的制度评析

Evaluation and Analysis of Compulsory Liability Insurance System of Motor Vehicle Accidents in Our Country

机动车交通事故责任强制保险(以下简称交强险)是国家为了保护交通事故的受害人设置的强制性保险。从2006年开始承保到现在,交强险为广大机动车交通事故中的受害者提供了帮助,减轻了交通事故当事人的压力,发挥了应有的赔偿作用,与此同时,交强险本身"只管救活,不管治疗"的负面影响也随之而来,希望能有机会得到改善。

Compulsory liability insurance of motor accidents （hereinafter referred to ＂traffic compulsory insurance＂） is a compulsory insurance set for protecting the victims in traffic accidents. In 2006 since the insurance was underwrote up to now, the insurance provided assistance for large victims in traffic accidents, relieved the pressure of the party in the accidents and played a role for the due compensation. Meanwhile, the negative impacts of＂just saving regardless of treatment＂ in this insurance followed and we hope to have opportunities to improve it.