Research On Issues Related To The Payment Of Compulsory Traffic Accident Liability Insurance

The degree of development of the automotive industry and residents car ownership is an important indicator of a country’s level of economic and living standards. The life is called as basic necessities of life in which the travel is an important part of life, and what the travel rely on? In modern life, the "private car" has become a fashionable concept. Therefore cars actor an important role in the people’s daily life. According to relevant data show that the amount of Chinese car that the motor vehicles reached 264 million and the cars reached 154 million ranking the second in the world that the first is USA at the end of 2014.Developing with the amount of motor vehicles, the amount of the traffic accidents also increase. This situation is unavoidable. The law is a product of the times. The people who most should be protected are those innocent victims in the traffic accidents. The Road Traffic Safety Law and the Compulsory Traffic Accident Liability Insurance Regulations are promulgated according to the above situation. These laws and regulations in the beginning of the establishment was given the purpose of protection of victims.However, in the process of implementation of the laws and regulations have some big issues contentious because of many unavoidable reasons. In this paper, the author analysis the existing problems of the process of payment to pay high insurance, and put forward some feasible proposals on such issues so that can achieve the original intention of the establishment of the pay high insurance. As a result, not only can achieve the purpose of protecting the interests of victims, but also can achieve satisfactory results of all parties.This paper is divided into three parts. In the first part includes the kind of motor vehicle drivers who should be excluded from the scope of the traffic insurance payment people if for some special reason when a traffic accident occur, he is outside of the car, in this situation whether payment should be pay high insurance. The second and the third part have a similar form with the first part, including the motor vehicle driver drunken when the traffic accident occurred, whether the insurance company paid the victim and use the limits of liability in the form of sub-item. Problems of the cases are analyzed in each section and make suggestions to solve the problem.