交强险中受害人直接请求权分析-an analysis of the direct claim right of victims in compulsory traffic insurance.docxVIP

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交强险中受害人直接请求权分析-an analysis of the direct claim right of victims in compulsory traffic insurance.docx

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交强险中受害人直接请求权分析-an analysis of the direct claim right of victims in compulsory traffic insurance

II II Abstract Established under the legal alliance of Traffic Accident Tort Law and Claim under Compulsory Insurance for Traffic Accident of Motor-driven Vehicle, the victim’s right of direct claim is characterized with legality, remedy, and independence. Currently, China’s laws and regulations involving the victim’s right of direct claim are mainly the Load Traffic Safety Law, Insurance Law, Compulsory Insurance for Traffic Accident of Motor-driven Vehicle, and Interpretation of the Supreme Peoples Court of Some Issues concerning the Application of Law for the Trial of Cases on Compensation for Traffic Accident Injury. Others except those of the insured and inside the vehicle can be included in the scope of the victims, but under certain conditions, those of the insured and inside the vehicle ca n become the victims. The time and space judgment criteria should be used for the identifi cation of those inside the car, i.e. in the event that people caught in a traffic accident are ou tside the motor vehicle and the driver gets off the vehicle to examine the vehicle and the p assengers thrown out of the vehicle, the time and space judgment criteria should apply to t he identity transformation from those inside the vehicle to the victims. The insured and the driver shall not become the victims of “the vehicle”, but in an accident of mutual damage, can become the victims of “the other vehicle”; the family member(s) of the insured can be the victims. The compensation extent of the victim’s right of direct claim includes property loss and personal injury but excludes indirect loss. In such situations as driver drunk and deliberately created traffic accidents, the range of the victim’s right of direct claim should involve compensation for personal injury, and the insurance company holds the right of recourse. There are four validation conditions for the victim’s right of direct claim, which include liability for compensation be confirmed, the amount of compensation be with