發(fā)布時間：2018-05-03 20:45

  本文選題：機(jī)動車第三者責(zé)任險 + 機(jī)動車第三者商業(yè)保險��； 參考：《寧波大學(xué)》2015年碩士論文

【摘要】：經(jīng)濟(jì)的飛速發(fā)展促使了我國機(jī)動車的普及,人們在享受它所帶來的便利的同時,也不得不面對因機(jī)動車駕駛?cè)瞬簧魉斐傻娜藛T傷亡、財產(chǎn)損失的現(xiàn)實。為了分散機(jī)動車所有人或管理人的駕車風(fēng)險,彌補(bǔ)交通事故受害人的損失,國家施行了交強(qiáng)險制度,保險公司也推出機(jī)動車第三者商業(yè)責(zé)任險這個險種。這兩種保險的實施在很大程度上解決了被保險人和交通事故受害者的擔(dān)憂,但其在施行過程中也暴露出不足,這些不足引起了理論界和實務(wù)界的激烈探討。本文擬從實際出發(fā)引入機(jī)動車第三者責(zé)任險糾紛爭議焦點,接著分析在實務(wù)中該糾紛出現(xiàn)的原因,進(jìn)而提出行之有效的措施以夯實其法學(xué)理論和制度建構(gòu)。本文第一部分從介紹責(zé)任險的相關(guān)概念和特征入手引出機(jī)動車第三者強(qiáng)制責(zé)任保險和機(jī)動車第三者商業(yè)保險,因兩者都與第三者有關(guān),本文將其統(tǒng)稱為機(jī)動車第三者責(zé)任險。接著分析了交強(qiáng)險和商業(yè)三責(zé)險不同的特征,為下文機(jī)動車第三者責(zé)任糾紛出現(xiàn)的原因部分以及提出的制度完善部分奠定理論基礎(chǔ)。本文第二部分?jǐn)M結(jié)合實際案例主要討論實務(wù)中關(guān)于機(jī)動車第三者責(zé)任險制度的兩個爭議焦點。第一個爭議焦點是關(guān)于第三者范圍的爭議,本文從我國現(xiàn)有的法律、法規(guī)對該問題的界定以及實務(wù)中關(guān)于第三者的不同認(rèn)定來闡述該爭議。第二個爭議焦點是限額分項賠付制度,本文從法律依據(jù)及法理依據(jù)論述該問題。本文第三部分提出機(jī)動車第三者責(zé)任險在現(xiàn)實中存在爭議是因為在對待第三者的范圍問題上實務(wù)界對第三者的認(rèn)定標(biāo)準(zhǔn)不一;關(guān)于限額賠付產(chǎn)生爭議其實質(zhì)原因是立法層面上偏離機(jī)動車第三者責(zé)任險的本意;本文第四部分在前三部分的基礎(chǔ)上,結(jié)合國內(nèi)外的立法和研究成果,在權(quán)衡保險人、被保險人、受害者利益的基礎(chǔ)上,從我國國情出發(fā),從機(jī)動車第三者責(zé)任險的設(shè)立本意出發(fā)對完善我國機(jī)動車第三者責(zé)任險制度提出相應(yīng)的建議。
[Abstract]:The rapid development of economy has promoted the popularization of motor vehicles in our country. While enjoying the convenience brought about by it, people have to face the reality of casualties and property losses caused by careless drivers of motor vehicles. In order to disperse the vehicle owner or manager's driving risk and make up for the loss of the traffic accident victims, the state has implemented the traffic insurance system, and the insurance company has also introduced the third party commercial liability insurance of motor vehicles. To a great extent, the implementation of these two kinds of insurance has solved the worries of the insured and the victims of traffic accidents, but it has also exposed some deficiencies in the course of implementation, which have aroused intense discussion in the theoretical and practical circles. This paper intends to introduce the dispute focus of motor vehicle third party liability insurance dispute from the practical point, then analyzes the causes of the dispute in practice, and then puts forward effective measures to consolidate its legal theory and system construction. The first part of this paper introduces the related concepts and characteristics of liability insurance, and introduces the motor vehicle third party compulsory liability insurance and motor vehicle third party commercial insurance, because both of them are related to the third party, which is called motor vehicle third party liability insurance in this paper. Then it analyzes the different characteristics of traffic insurance and commercial triple liability insurance, which lays a theoretical foundation for the reasons of the third party liability disputes in motor vehicles and the perfect part of the proposed system. The second part of this paper mainly discusses the two controversial points of motor vehicle third party liability insurance system in practice combined with practical cases. The first point of dispute is about the scope of the third party. This paper expounds the dispute from the definition of the issue in the existing laws and regulations of our country and the different identification of the third party in practice. The second point of dispute is the system of partial compensation of quota. This paper discusses the problem from the legal basis and the legal basis. The third part of this paper points out that the third party liability insurance of motor vehicles is controversial in reality because of the different standards for the identification of third parties in the field of the scope of treatment of third parties. The essential reason for the dispute about the limitation of compensation is to deviate from the original intention of motor vehicle third party liability insurance on the level of legislation. The fourth part of this paper is based on the first three parts, combined with the domestic and foreign legislation and research results, in weighing the insurer, On the basis of the interests of the insured and the victims, starting from the situation of our country and the original intention of the establishment of motor vehicle third party liability insurance, the author puts forward corresponding suggestions to perfect the third party liability insurance system in China.
【學(xué)位授予單位】：寧波大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：D922.284

【參考文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前1條

1 李學(xué)成;關(guān)于交強(qiáng)險免責(zé)事由及分項限額的案例分析[D];蘭州大學(xué);2012年

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本文編號：1840021