自动驾驶汽车交通事故侵权责任分配的困境及其缓和——以三层保险结构的架构为例

Difficulties and Mitigation of the Distribution of Tort Liability for Autonomous Vehicles——Taking the structure of the three-tier insurance structure as an example

保险制度能够从避开归责难题以及转移受害人举证责任的角度救济受害人,从根本上实现侵权责任法和保险法的救济功能。本文在借鉴国外先进成果的基础上,结合我国现行机动车保险法律与实践,对我国机动车交强险,商业险以及产品责任险有关的法律做出调整,以期对自动驾驶汽车交通事故侵权的归责难题形成缓和。

The insurance system can relieve the victims from the angle of avoiding the problem of imputation and transferring the burden of proof of the victims,and realize the relief function of tort liability law and insurance law fundamentally. On the construction of specific insurance system,China may wish to draw lessons from advanced foreign achievements and combine with the specific situation of the current law and practice of motor vehicle insurance in China to make the adjustment of laws related to motor vehicle compulsory insurance,motor vehicle business insurance and product liability insurance in China,which is expected to ease the problem of attribution of traffic accidents.