机动车责任强制保险受害第三人范围探析

A Research on the Scope of the Third Party in Compulsory Motor Vehicle Liability Insurance

机动车责任强制保险制度体现于不同领域和不同层次的法律法规之中,该制度以其科学的设置和具体的操作规则,大大促进了受害人权益的保护。但该制度中对受害第三人范围如何界定还存在争议,该争议直接影响到保险人责任的承担以及受害人利益的保护,具有重要的理论价值和现实意义。机动车责任强制保险制度的法律价值影响着受害第三人的法律定位,国外有关机动车责任强制保险受害第三人的立法是完善和改进我国该项制度设置的重要参考,以受害第三人与车上人员的身份界定为基础的机动车责任强制保险中的受害第三人的范围应适当扩大。

The compulsory motor vehicle liability insurance system in different fields and different levels of the laws and regulations, the system to the scientific establishment and specific rules of operation, greatly pro the protection of the rights of victims. But the system of third party to define the scope of the dispute is controversial, directly affecting the insured liability and to protect the interests of victims, which has theoretical value and practical significance. The legal value of the compulsory motor vehicle liability system affects the legal position of the third party victim and important insurance the compulsory motor vehicle liability insurance of third party victim legislation is the important reference to perfect and improve this is appropriate to expand the scope of the third person in the compulsory motor vehicle on the status of the victim third person and the people in the vehicle. system in our country. It liability insurance based on the status of the victim third person and the people in the vehicle.