A Comparative Study On The Imputation Modes Of Compulsory Automobile Liability Insurance

Through study on the relevant system design of compulsory automobile insurance in Britain and the United States.two types of imputation modes in liability insurance and no-fault insurance are extracted: The first is the progressive imputation mode,which is dominated by tort liability,considering whether there is tort liability after each traffic accident,and it follows the order of determining tort liability first and then insurance liability.The second is that American no fault insurance attempts to break through the tort liability legal system,and attribute the traffic accident liability to the social risk caused by the convenience of transportation,rather than to any at fault party of the accident,the mode no longer considers the tort liability one by one,but directly determines the insurance liability according to the damage caused by the traffic accident.Through study on the emergence and development of compulsory automobile liability insurance,supplemented by the relevant changes of tort liability system in the liability insurance system.It extends to the basic structure and development trend of foreign compulsory automobile liability insurance.Through the analysis of the progressive imputation mode,this paper studies the system design of compulsory automobile liability insurance so as to realize its social security attribute under the tort liability legal system.Focus on the analysis and research of the theoretical origin,development history,basic content and characteristics of the U.S.no fault auto insurance,as well as its existing theoretical defects and operational problems.In China’s compulsory automobile liability insurance system,considering the current situation of mixed legislation and social development,the improvement of China’s compulsory automobile liability insurance should still be carried out in the framework of progressive liability mode.Expand the relevant insurance system in China’s existing automobile liability insurance system,optimize the imputation mode,and strive to realize the purpose of compulsory automobile insurance——timely and effective protection of victims.