交强险打通分项限额判决评析——兼论交强险的立法目的和对价平衡原则

Analysis on the Verdict of Eliminating Sub-limits under Compulsory MTPL—The Legislative Intents and the Principle of Equilibrium between Premium and Coverage

我国交强险采强制责任保险模式,保险责任的性质为契约责任。最高人民法院2012民一他字(17)号函为司法解释性质文件,应当具有普遍适用效力。打通分项判决与为受害人便捷提供基本保障、低成本处理纠纷的交强险立法目的不相符合。完善交强险应协调社会正义目标和效率目标,贯彻落实对价平衡原则,确定保险责任并完善费率调整机制。

Motorists in China are subject to compulsory motor third-party liability insurance （thereafter referred to as Compulsory MTPL） which in nature is of contractual liability. The letter of Supreme People＇ s Court （ No. Min Yi Ta Zi 17 ） is a judicial interpretation document and shall be commonly applicable. Eliminating sub-limits under compulsory MTPL policy is in conflict with such legislative intents as providing victims with convenient access to basic protection and lowering the cost of dispute settlement. Regulations on compulsory MTPL shall be improved to balance social justice and efficiency. It＇ s vital that the principle of equilibrium between premium and coverage is implemented for enhancing the premium rate adjustment mechanism.