Research On The Direct Requests Of The Third Party In Liability Insurance

The direct requests of the third party in liability insurance provides the third person in liability insurance the right of requesting the payment of insurance compensation, in accordance with the law or contract. The ultimate goal of the modern liability insurance is protecting the interest of the third party. As the most powerful tool to protect the third part,the direct requests of the third party in liability insurance was used in the legislation by the major countries and regions.The dissertation analyzs the basic theories,functions and fundamental principles ascribed to the direct requests of the third party in liability insurance,and makes comments on the revised version of the relevant legislation of direct requests of the third party in liability insurance towards the coming applications,both in academic constructions and in the practice. Besides the introduction and the conclusion, this paper is composed of four following chapters.Chapter one describes the basic theories of the direct requests of the third party in liability insurance. It is an introduction of the regulation concerning the definition, nature, the basis of liability and responsibility.Chapter two focuses on the functions. Being different from the traditional liability insurance in the neglect of protecting the interest of the third party, the modern liability insurance plays a important part in protecting the third person, using the theory of the direct requests of the third party.Chapter three draws on fundamental principles of the direct requests of the third party in liability insurance. By analyzing the negative impact and the reasonable reasons of the system, we consolidated theories support of the direct requests of the third party in liability insurance.Chapter four makes comments on the coming applications of the direct requests of the third party in liability insurance. This part examines the principal parts, applications and the counteraction which the third party encountered when he uses his direct request rights ect. And then points out the shortcomings of our regulations, both in academic constructions and in the practice.