Case Studies Of The Lawsuit Between Qi V. A Insurance Company

Zhang has the insurant, the insured, the driver three identities, whether it belongs to the motor vehicle compulsory insurance and third party liability insurance for motor vehicles in the "third" is the real focus of controversy. Liability insurance refers to the insured shall bear the liability for damages in accordance with the law of third as the objects of insurance, the insurer of the third he shall bear the liability for compensation after the loss of property for the purpose is to fill, and its main function is to disperse the responsibility of the insured losses, strengthen the insured’s compensation ability, and then guarantee the insured claims to have people can get effective compensation. Therefore, the liability insurance in third, has its specific scope. From liability insurance and compulsory motor vehicle traffic accident liability insurance insurance principle, the subject, the emergence and development of liability insurance, liability insurance of motor vehicles is the third party insurance accident, damage, according to the insured enjoy the right to request compensation for civil people, decided the insured does not belong to the responsibility insurance "the third person" range. From liability insurance moral risk prevention perspective, the scope of the insurer’s spouse and relatives do not belong to the "third party". From the running speed of vehicle speed is highly dangerous sources and control motor vehicle running people’s attention obligation, drivers and other vehicles running on the actual power, can predict to a certain extent and avoid the accident, should not belong to the scope of "third party". This advice:should insurance law of our country compulsory liability insurance and motor vehicle traffic accident liability insurance from the angle of two types of third party made clear, to play the role of guidance of law in the field of liability insurance, direct insurance public right choice insurance, dispersion of their risks effectively, reduce the insurance disputes in judicial practice.