我国交强险不是无过错保险

Is China's Compulsory Traffic Accident Liability Insurance No-fault Insurance?

我国交强险是否为无过错保险?通过对无过错保险进行分析,以及对我国交强险与无过错保险进行比较,作者认为,交强险不等于无过错保险,理由是,尽管按照《道路交通安全法》第76条,在交强险赔偿限额内,被保险人对第三人的赔偿责任不以过错为条件,但交强险尚不保本车司机;保险人的赔付仍以被保险人的责任为基础;法律并未真正赋予第三人对保险人的直接索赔权;交强险赔付项目不限于身体伤害和工资损失。另外,作者主张,利用无保险或不足额保险司机保险应对不投保无过错保险的做法值得借鉴。

Is China＇s Compulsory Traffic Accident Liability Insurance （CTALI） no-fault insurance？ After analy- zing no-fauh insurance and comparing it with CTALI, the author believes CTALI is not equivalent to no-fault insur- ance. The reasons are as follows：although the insurer shall liability regardless of fault according to the article 76 of the pay indemnity within the scope of limit of the insurance Law on Road Traffic Safety of the PRC, CTALI does not cover the driver who caused the accident, the payment of the insurer shall be based on the tort liability of the in- sured, the Law does not confer the light of claim to the third party, and the indemnities are beyond bodily injury and lost wages. In addition,the author proposes that uninsured motorist and underinsured motorist coverage may be used to deal with the problem of failure to comply with the obligation to take out policy of no-fault insurance.