On Compulsory Liability Insurance

In certain cases, the individual has fulfilled all reasonable care to avoid harm to others, but he may still have to bear the corresponding responsibility. In this regard, most of the countries and regions are mandatory liability insurance to avoid these risks. Despite a liability insurance should be mandatory remains controversial, but the legislation established by statute a series of mandatory liability insurance rules for equitable social interests of all parties to protect the victims to obtain compensation, to play an irreplaceable role. This article elaborated the concept of mandatory liability insurance, the scope, content, analysis of the legal basis for the mandatory liability insurance in contemporary society, and to explore the characteristics of its value function of the mandatory liability insurance, through the analysis of the questions and challenges facing compulsory liability insurance legitimacy parse. Comment offshore mandatory liability insurance the legislation, research legislative status quo of China’s mandatory liability insurance, mandatory liability insurance legislation by drawing on the success of the rule of law abroad experience for our problems, put forward their own views of compulsory liability insurance system perfect.Besides preface and conclusion, the essay is divided into five chapters:The first chapter clarify the mandatory liability insurance mandatory, non-profit and adjust the characteristics of public and private law, so as to analyze the compulsory liability insurance and general liability insurance, social meaning and positioning from the mandatory liability insurance policy, to analyze the contact and distinction.Second chapter outside the legislation of mandatory liability insurance to compare visits mandatory liability insurance legislation, overview of the common law countries and civil law countries or regions, for example, analyze the main characteristics of the two law systems mandatory liability insurance legislation, that is the mainappear in the form of a statute and concentrated in motor vehicles, employer’s liability is generally dangerous areas of responsibility in the specific case.The third Chapter by exploring the questions and challenges faced by the mandatory liability insurance, the legitimacy of compulsory liability insurance for resolution. Compulsory liability insurance through the protection of the interests of the victim, diversify risk, protect public interests in the field of liability insurance has its inevitability, its value is undoubted.Chapter IV of motor vehicle compulsory liability insurance system as the core of the advantage of the traffic compulsory insurance system, defects and their causes.Chapter V for mandatory liability insurance legislation exists in China to learn from the successful experience abroad, proposed future direction, and to expand our compulsory liability insurance coverage.