“交强险”与“商业三者险”两险并审的赔偿顺序——原告杜××与被告郭××机动车交通事故责任案之分析

The Compensation Order of Traffic Compulsory Insurance and Commercial Third Party Insurance Joinder in One Case --Case Analysis on the Motor Vehicle Accident Liability of Prosecutor Du＇ s Accusation of Defendant Guo＇ s

机动车发生交通事故造成损害，当事人同时起诉侵权人与承保第三者责任强制保险（以下简称“交强险”）、第三者责任商业保险（以下简称“商业三者险”）的保险公司的，应列保险公司为共同被告，关于受害人损失的赔偿，应当先由保险公司在交强险责任限额范围内予以赔偿；不足部分，由其根据商业三者险保险合同予以赔偿；仍有不足的，依照道路交通安全法和侵权责任法的相关规定由侵权人予以赔偿。

Motor vehicle traffic accidents cause damage, while the parties sue infringers and the insurance company who coverage the traffic compulsory liability insurance （hereafter as ＂traffic compulsory insurance＂） and Commercial third party liability insurance （hereafter as ＂commercial third party insurance＂）. The insurance company should be listed as a co-defendant. On the compensation for the loss on the victim should be compensated first by the insurance company within the limits of traffic compulsory insurance; insufficient part should be compensated by the insurance company within the limits of commercial third party insurance; still inadequate part should be compensated by the infringers according to the relevant provisions of the Road traffic Safety Act and the Tort Liability Act.