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随着我国道路交通行业的加速发展,人们对车辆的依赖程度不断加深,交通事故发生率愈发频繁,发生方式及侵权主体愈发多样化。为保障交通事故受害人基本权利,国家通过立法的方式规定机动车必须投保机动车交通事故强制责任险。如何将交通事故强制责任险的保障作用正确运用于复杂多样的交通事故,有必要对交通事故强制责任险(以下简称交强险)的特征进行探讨,本文拟以交强险的定义为出发点,对交通事故强制责任险的特征进行分析,以期抛砖引玉。
With the accelerated development of China’s road transport industry, people rely more and more on vehicles. The incidence of traffic accidents is more and more frequent, and the patterns of occurrence and the diversification of infringers become more and more diversified. In order to protect the basic rights of victims of traffic accidents, the state stipulates that motor vehicles must be covered by compulsory liability insurance for motor vehicle accidents through legislation. Therefore, it is necessary to discuss the characteristics of compulsory liability insurance (hereinafter referred to as “compulsory insurance”) of traffic accident, and how to apply the compulsory liability insurance of traffic accident to the complex and diverse traffic accidents correctly. This paper intends to take the definition of compulsory traffic accident as the starting point, Analysis of the characteristics of liability insurance, with a view to initiate.