第三者责任强制保险制度探析  

Probing into third party reponsihility control insurance system

作　　者：胡军[1] 

机构地区：[1]西南政法大学,重庆400031

出　　处：《特区经济》2009年第2期254-256,共3页Special Zone Economy

摘　　要：自《道路交通法》颁布后,由于机动车第三者责任强制保险条例的滞后,导致了实践中司法部门在该制度适用上的混乱。2006年7月1日,《机动车第三者责任强制保险条例》的正式实行明晰了强制险与商业第三者责任险的界限,弥补了立法上的空白,也带来新的问题。笔者从第三者责任强制险的基本理论入手,阐述其必要性,通过分析与探讨第三者强制责任保险与第三者责任险的关系,引出第三者责任强制保险所面临的困境,并提出相应的解决方案,以期待于该制度的进一步完善。Liability insurance is a very broad su perset that covers legal claims against the insured Many types of insurance include an aspect of liability coverage. For example, a homeowner＇s insurance policy will normally include liability coverage which protects the insured in the event of a claim brought by someone who slips and falls on the property： automobile insurance also includes an aspect of liability insurance that indemnifies against the harm that a crashing car can cause to others lives, health, or property. The protection offered by a liability insurance policy is twofold： a legal defense in the event of a lawsuit commenced against the policyholder and indemnification （payment on behalf of the insured） with respect to a settlement or court.verdict. Liability policies typically cover only the negligence of the insured, and will not apply to results of wilful or intentional acts by the insured.

关 键 词：第三者责任强制险 第三者责任险 商业三者险 

分 类 号：F842.6[经济管理—保险] D922.2847[政治法律—经济法学]