Traffic Insurance Dispute Study

In our country, a great number of accidents occur and lead to serious personal and property loss. Since the insurance system is carried out, our society receives good effects when facing these problems. But there still are some problems, such as lower compensation, limits among each items, less protection for the victims and the price authenticate of cars. There are no clear rules in our legal system and it does harm to the judicial credibility. The paper uses the method of case analysis and comparative analysis, and gives the conclusion that there should have limits among the items of insurance system, the person in the accidental car can turn to be victims and the loss of the accidental car can be measured. The paper not only discusses the current situation of the legal system, but also gives viewpoints and suggestions.In this case, although 10000 yuan is too little for the victim comparing with the medical treatment of 62000 yuan, the paper suggests that there should have limits among the items of insurance system, the rate adjustment should be improved, and the system of road rescue should be optimized. In the case, when Zhang was dropped out through the window of the moving car, his status is not the person in the car but the victim of the accident and he should get the compensation from the insurance. Although there are no clear rules about accounting the loss of the accidental car in our legal system, the paper have the viewpoint that the loss of the accidental car can be measured based on the faces of the accident.