论交通事故豪车险

On Traffic Accident Insurance for Luxury Cars

普通车车主与豪车车主在法律上具有平等的主体地位,承担相同的责任与义务,但是在普通车辆撞上豪车后,赔偿结果却不符合人们的正义观。在交通事故发生时,有效平衡普通车车主和豪车车主的权利义务显得至关重要,但是目前的法律体系及相应的保险制度还无法解决交通事故中存在的普通车辆需要承担巨额赔偿的不合理现象。本文认为,通过设置豪车险,可以缓解目前普通车辆与豪车发生交通事故时存在的矛盾冲突,实现实质正义、路权平等、保护弱势等目的。在交通事故中,豪车险的赔偿范围主要适用于普通车辆造成豪车财产损害的情形。同时,为了与豪车险的设置相配套,应对现行保险制度进行改革,明确保险公司的最高赔偿额以及豪车险的最低强制投保额。

Owners of ordinary cars and owners of luxury cars have equal legal status,bearing the same responsibilities and obligations,but in traffic accidents involving both ordinary cars and luxury cars,the compensation results are not in line with people’s concept of justice. Therefore,it is of significance to balance the rights and obligations of owners of ordinary cars and luxury cars when traffic accidents occur. The current legal system and insurance system cannot solve the problem of unreasonable compensation after the accident. The author holds that conflicts between ordinary and luxury car owners can be eased by setting insurance for luxury cars which can help achieve substantial justice,protecting equal road rights,and the weaker party in traffic accidents. The luxury vehicle insurance compensation covers only property damage caused by ordinary vehicles. For this purpose,the insurance system is to be reformed to clearly define the maximum amount of compensation and the lowest amount of premium for luxury vehicle insurance.