On The System Of The Third-party Liability Insurance For Motor Vehicle

In order to provide the basic relief to victims of the accident, the overwhelming majority of countries in the world carry out the system of compulsory motor vehicle liability insurance, and supply with the freewill motor vehicle liability insurance for accident to protect the interests of the victim. The "Road Traffic Safety Law" that has been come into force on May 1, 2004 clearly rules that we must create the third-party liability insurance for motor vehicles in China. So the compulsory third-party motor vehicle insurance can be in recognition of its legal status. Obviously, it's of great significance for this system to handle the road traffic accidents properly and protect the legitimate rights and interests of the victim earnestly. But, because the system relates to the complicated relation of benefits among the insurance, policyholders, insurance, the victim, in addition to the blurry rules of the insurance compensation in "Road Traffic Safety Law," there is the larger controversy to some basic rules in the community at present. It is necessary to learn from the foreign successful experience, analyze and distinguish carefully in different angles, in order to really achieve positive social significance of this system. From these ,the paper probes into the nature of the compulsory liability insurance, the current development situation and the problems and the countermeasures to solve these problems in order to accurately understand and improve the system and promote its development in our country.