无效等交强险合同受害人权利救济——以刘某交通事故赔偿纠纷案为范例的研究

The Remedies for the Victims of the Invalid Compulsory Traffic Accident Liability Insurance Contract——Based on the Analysis of Mr. Liu's Traffic Accident Case

交通事故受害人获得交强险赔付的前提是存在合法有效的保险合同。当交强险合同不成立、未生效或无效时,交通事故受害人面临纯粹经济利益损失,应当得到侵权法的保护。我国《交强险条例》和《道路交通安全法》中的部分条文构成了保护交通事故受害人的法律,机动车所有人、驾驶人以及保险公司有义务确保交强险合同合法有效。法定义务人因过错违反该法律并造成损害的,应当在交强险保险限额内承担侵权损害赔偿责任。

The validity of an insurance contract is one of the preconditions for traffic accident victims to get the insurance benefit. When the contract isnt exist, exist without effect or void, the victim of the accident may suffer a pure economic loss, which should be protected under the Tort Law. Some clauses in the Regulation on Compulsory Traffic Accident Liability Insurance for Motor Vehicles and the Road Traffic Safety Law can be deemed as protective law, which lead to statutory duties. The owner or driver of motor vehicle and the insurance company have to guarantee the validity of the insurance contract. Breach of these legal duties will give rise to tortious liability.