英国机动车民事责任的规定及对我国立法的启示

British Regulations on the Civil Auto Liability and Its Enlightenment to China's Legislation

英国的机动车强制责任保险制度在立法体例、赔偿原则、受害人保护、赔偿范围、赔偿责任限额等方面做了较为全面的规定,凸显了保护机动车事故受害人利益的理念,具有明显的优点。我国立法应当借鉴英国的相关理论及实践经验,扩大受害人范围,分类型赋予受害第三人直接请求权,提高赔偿限额,实行费率厘定市场化。

British compulsory liability insurance system for motor vehicles has obvious advantages, because it has done more comprehensive regulation in legislation style, principle of indemnity, scope of indemnity, liability limit of indemnity, and victim protection. It highlights the concept of protecting the victim＇ s benefit in motor vehicle accidents. Our country＇ s legislation ought to use the British correlation theory and practical experience for reference, to enlarge the victim range, to endow the victim of the third party with different types of direct claims, to raise indemnity limit and to put rate-making marketizing into pratice.