试论道路交通事故自行协商快处快赔工作机制的完善

The Perfection of the Working Mechanism of the Road Traffic Accident the Perfection of Work Mechanism of Road Traffic Accident

我国《道路交通安全法》第70条第2款明确将自行协商作为交通事故财产损失纠纷的解决机制,有力地推进了道路交通事故快处快赔,在一定程度上缓解了城市拥堵。但是,该机制存在适用范围较窄,适用条件欠明确、宣传不到位、保险公司理赔机制相对滞后等问题,借鉴国外英美等发达国家道路交通事故快速处理先进经验,本文结合公安交通管理工作实际,剖析道路交通自行协商快处快赔工作中存在的问题及原因,探讨对策建议,以期提高工作效率,缓解交通压力,提升城市交通管理效能。

Paragraph 2 of article 70 of the law on road traffic safety in our country to specifically to ne-gotiate as traffic accident damage to property disputes settlement mechanism, vigorously promote the road traffic accident fast in fast compensate, to a certain extent, alleviate the urban traffic congestion. However, the mechanism has a narrow scope, applicable conditions owe clear, publicity is not in place, the insurance company claims mechanism problem such as relative lag, draw lessons from foreign developed countries such as Britain and America advanced experience of the rapid processing of road traffic accident, in this paper, combining the reality of public security traffic management, analyze the road traffic to negotiate fast in fast compensate problems and reasons existing in the work, discuss countermeasures, in order to improve the work efficiency, ease traffic pressure, improve the urban traffic management efficiency.