Compulsory Third Party Liability Insurance And Third Party Liability Insurance Business To Compensate Legal Issues Research

Insurance is an effective means of diversification to reduce losses。In ancient China there is a thought and principle of the insurance。Insurance development in ancient to today, has been gradually enrich its content, form powerful insurance system, the effect of various plant play is different, reveal the value of insurance together。Motor vehicle third party liability insurance as a kind of liability insurance, the transfer shall be borne by the insured in the traffic accident compensation liability。In the traffic accident, the insured motor vehicle third party property damage and personal loss, and liability shall be borne by the insured, shall be borne by the insured within the scope of insurance。Started relatively late in our country, liability insurance, insurance system is still not perfect. At present, the motor vehicle has been widely involved in People’s Daily life, but also brings the risk of road traffic, and motor vehicle liability insurance legal system in our country is gradually establish and perfect. After road traffic accidents, how can the victim’s personal casualty and property loss to obtain timely and effective compensation, which can get compensation, the scope of the insurance company assume responsibility what specific, these problems must be solved in the judicial practice. In real life, most owners after the compulsory motor vehicle traffic accident liability insurance at the same time to buy the commercial third party insurance, insurance to provide the most basic guarantee, commercial insurance to carry on the beneficial supplement, the two risks coexist, the effective transfer of risk, protect the interests of a third party. Because the two risks in law, legal nature, the responsibility division, and many other aspects are different, therefore, in practice there is not full specified amount insurance compensation, insurance companies offer too much defense, a third party claim to exercise cohesion, etc. This article from the basic theory of liability insurance, combined with the case, to pay insurance and commercial third party risks coexist were analyzed, and the problems of the compensation law puts forward the concrete construction, so as to our country liability insurance system of the as.Insurance in the first part Outlines the motor vehicle third party liability insurance and commercial third party risks of the meaning and characteristics, the difference between insurance and commercial third party insurance and insurance and commercial third party insurance compensation system in our country.The second part through case analysis our country insurance and commercial third party insurance the cause of the deficit compensation problem, the paper separately paid compensation and spiritual damages of priority. The third part through the case study in insurance and commercial third party risks about drunk, etc in the case if there is insurance liability, and handling of the case such as drunk. The fourth part focuses on analysis and research in our country insurance and commercial third party risks of the third party claim, through case analysis, to explore the linkage between the right of claim of a third party, consolidated model are expounded.