机动车第三者责任险民事赔偿问题分析-法律学专业论文.docxVIP

内容摘 内容摘要 I I 内容摘要 机动车商业第三者责任险与交强险在实践中存在很多争议，这两种险种都 是责任险，但又在性质、赔偿责任、诉讼地位、保障范围、免责条款、保险费 率诸多方面存在不同，在法律适用中不可混淆。机动车商业第三者责任险是自 愿的保险，应以尊重契约自由精神为基本原则，但对于处于强势地位的保险公 司提供的格式条款应进行法律效力审查。交强险是一种政策保险制度，交强险 的本意就是为了维护社会公共利益，另外还包括投保人、被保险人和受害者， 分担事故风险，化解交通事故带来的社会矛盾，因此具有社会保障功能，为了 其持续健康发展，交强险制度不仅要坚持社会公共利益优先的原则，还要兼顾 公平和效益。随着经济的发展，大量交通事故随之产生，机动车第三者责任险 的赔偿问题日益突出，现行的机动车商业第三者责任险与交强险保险条款中存 在诸多不合理之处，如对“超医保不赔”、“车辆贬值损失、停运损失不赔”、“家 庭成员除外责任”、“乘客不赔”、“对牵引车与挂车歧视条款”等等，严重损害 了受害第三者与被保险人的合法权益，法院应重视对保险条款中保险公司免责 条款的法律效力审查，才能对机动车第三者责任险制度起到好的价值指引作用， 本文注重结合保险实践及审判实践，提出问题，并予以分析，注重社会效果与 理论的结合，应从中央层面重视道路交通事故救助基金制度，加快道路交通事 故救助基金的运转步伐，充分发挥其对受害第三者的救济作用，以达到维护社 会和谐稳定。 关键词：机动车商业第三者责任险；交强险；道路交通事故救助基金 AB ABSTRACT PAGE PAGE VI ABSTRACT There are many controversies in execution of the third party liability insurance of motor vehicle business and the compulsory insurance for traffic accident of motor-driven vehicles. They are both liabilities but are different in character, liability for damage, lawsuit position, insurance coverage, exception clause, premium rate and they shouldn’t be confused in the application. The third party liability insurance of motor vehicle business is a voluntary insurance, which should be based on respecting the contract freedom spirit, but it should investigate the legal effect of the standard terms which are provided by those insurance companies with a strong position. Compulsory insurance for traffic accident of motor-driven vehicles is a kind of policy insurance system, which has the social security function to effectively resolve the social contradictions caused by the traffic accidents. It aims to maintain the social public interests, including those of the masses of applicants, insurants and victims who are also customers. Therefore, the reform of the compulsory insurance for traffic accident of motor-driven vehicles system should adhere to the principle that the social public interests come first while taking efficiency and fairness into consideration. With the development of economy, a