The Accident Liability Ratio Clause Of Commercial Motor Vehicle Third Party Liability Insurance

Commercial motor vehicle third party liability insurance is an insurance that the insurer compensates when the insurant or other drivers he approved resulting in a third party to suffer personal injury or property loss directly. Commercial motor vehicle third party liability is an important supplement to compulsory insurance for traffic accident of motor vehicle. However, the clause of accident liability ratio stands in the way of insurant’s claim. Judges have different points on the clause.The thesis begins with two cases and is divided into four parts:The first part gives an overview of the definition and the characters of the third party liability insurance, and introduce the emergence and characters of commercial motor vehicle third party liability insurance.The second part analyzes the clause of accident liability ratio.This part consists of the definition of commercial motor vehicle third party liability insurance, the meaning of the clause of accident liability ratio.The third part analyzes the effect of the clause.The last part gives a point that we can balance the interest by subrogation.Then is the conclusion of this thesis.