交通事故损害赔偿纠纷解决中的法律困境——以机动车辆保险条款的效力评价为例展开

Legal Dilemma in Dispute Resolution of the Traffic Accidents Damages——Taking the Example of Effect Evaluation on the Motor Vehicle Insurance Terms

机动车辆保险条款的法律效力在司法实践中经常处于不确定性的状态,一方面,机动车辆保险条款经过保险监管部门的备案审查,保险监管部门拥有专业的知识、经验来判断保险条款的专业性与合理性;但另一方面,在交通事故损害赔偿案件中,保险消费者经常质疑理赔条款的公平性与合理性。审判法院在适用《保险法》第十九条审查保险条款的合法性与合理性时,应当参照最高法院《交通事故损害赔偿司法解释》中的处理规则。

Thelegal force of the term of motor vehicle insuranceis often in a state of uncertainty in the judicial practice. On the one hand, the motor vehicle insurance clauses are reviewed and examined by the insurance regulatory authority which has the knowledge and experience to judge the expertiseand ra- tionality and the clauses. But on the other hand, in the cases of traffic accident damages, insurance con- sumers often question the fairness and rationality of the claim clauses. When the court of justice applies the nineteenth clause of the insurance law to review the validity and rationality of the insurance clauses, it should refer to the rules in the Supreme Court＇s judicial interpretation of traffic accident damage com- pensation.