Research In The Third Person To Pay High Insurance Scope Of The Problem

With the improvement of people’s living standards, the car has increased year by year,especially in the number of private cars is more rapid development. Impact on the community if the vehicle double-edged sword, it is accelerating the pace of social operation, improving the way people work, live efficiency, road accidents have dramatically increased social problems also increased. To share the risk of traffic accidents, accidents country in 2003 for the compulsory third party liability insurance to proceed with legislation. With the " People’s Republic of China on Road Traffic Safety Law," " compulsory traffic accident liability insurance regulations ", " People’s Republic of China Tort Law," a series of laws and regulations promulgated and implemented, so that road traffic accident personal injury compensation did have method to follow, but because of our strong insurance is a new legal system, a shorter time to implement some of the practical problems encountered in the judicial practice still lacks the appropriate legal basis for its existence shortcomings and deficiencies are widespread in academia attention. Among them, the author in the course of the agent in the case, met on several occasions to pay compulsory insurance in the third person identified problems, so the author of this article on the problems identified by strong insurance in the third person to be explored.From the perspective of law, insurance, the use of comparative empirical analysis and research methods, the controversy surrounding the practice range on the third person arising as a focal point, the vehicle relatively developed countries or regions compulsory insurance system, in order to evaluate our strong insurance in provisions of the third person, which made recommendations to improve our strong insurance in the third person range. Paper is divided into four parts, the main contents are as follows : The first chapter of Cross basic questions compulsory insurance in the third person, the legal concepts and legal status of the third person ’s conduct discrimination, and general liability insurance were analyzed and compared, and then discuss our strong insurance system Definition and scope of reason to be in the third person. The second chapter case studies explore the strong insurance in the third person caused controversies scoping analyzes the specific case whether the insured should certainly be excluded from the scope of the third person, combined with the specific circumstances of the case analysis " of the car officer " under what circumstances can belong to the scope of the third person, the last study can become a strong insurance issues in the third person when the insured person’s family members and pilots for their employees. The third chapter describes the common law, civil law countries and China’s Taiwan region compulsory motor vehicle insurance-related content. Some suggestions on improving theprovisions of the fourth traffic compulsory insurance system in our country the third person range.