中国机动车责任强制保险的制度模式及规范方向

Compulsory Liability Insurance of Motor Vehicles in China:System Model and Standard-making Orientation

在我国法律规定中,强制保险包含了无过错保险制与责任保险制的元素,具有混合保险制模式的某些特点,但从其他先进国家在其机动车强制责任保险法各自发展阶段上的法律经验来看,纯粹的责任保险制与纯粹的无过失保险制都存在一定缺陷。因此,在完善我国机动车强制责任保险制度时,应以侵权责任保险制为基础,合理吸收无过失保险制的某些优点,重建符合我国国情的交通事故受害人权利保护制度。

Compulsory insurance in China,which pocesses features of mixed insurance,includes both the elements of no-fault insurance and liability insurance.However,the legislative experience of developed countries shows that unconditional liability insurance and no-fault insurance have defects.Therefore,the reconstruction of traffic accident victims＇ right protection system should be carried out on the basis of tort liability insurance and absorbs the advantages of no-fault insurance so as to perfect the compulsory liability insurance of motor vehicles in China.