Research On Automobile Compulsory Liability Insurance

As a vehicle, automobile is necessary to modern life. Although automobiles bring great convenience to economic and life, the accidents caused by automobiles can't be looked over. The damage compensation system of automobile accident victims shows whether the government cares her people or not. In order to provide timely and effective guarantee for automobile accident victims, the rules of damage compensation system of automobile accident victims and compulsory automobile liability insurance are reformed greatly in 2004. By discussing from legislation , theory, practice, the paper focuses on the automobile liability insurance system that China should build and other countries have built. It is the automobile liability insurance system fits the international trend and the situation of China that the paper try to bring forward, so the damage compensation system of automobile accident victims would be more practical and consistent. The structure of the paper:Introduction: Set forth the motivation and target of this research. 1st chapter: narration of automobile liability insurance system, the chapter first to summarize the definition, function and society meanings of insurance and liability insurance. Then discuss the meanings of automobile liability insurance concretely and interpret the definition of the third party in automobile liability insurance in detail. 2ed chapter: Automobile liability insurance system characteristic analysis. The system ofautomobile liability insurance has the characters of compulsory and third party and society commonweal. The first section discusses the compulsory characteristic of the system concretely by using the examples of foreign countries' legislation and brings forward the reasons for carrying out compulsory automobile liability insurance in China. Then the difference of the third party characteristic of the system between ordinary insurance system is discussed at length. 3td chapter: No-fault liability of vehicle damage compensation responsibility . Through the analysis of the legal characteristic of no-fault liability and the connection between the principle and liability insurance system, the section discusses the society meanings of the principle and how they stimulate each other. 4th chapter: The rule of traffic damage compensation responsibility. In order to protect the victims of traffic accident, the rule of traffic accident damage compensation and the automobile liability insurance system supplement each other. This chapter combines the relative regulations of new legislation to discuss the characteristic of vehicle damage responsibility. The reason to apply for no-fault liability is discussed in this section. 5th chapter: Building no-fault automobile liability insurance system. For the sake of using insurance more efficiently to decentralize risk and assimilate loss to fulfill the society function of liability insurance. This chapter combines the experience of American to suggest how to build no-fault automobile liability insurance system that fits the condition of Chinese.Through the research of automobile third party liability insurance, the paper set forth the basic legislation composition to build Chinese automobile liability insurance system in the base of no-fault liability principle. I wish the paper could do something for the legislation of automobile liability insurance and do something to protect the victims of the traffic accidents rights.