On The Direct Claims Of The Third Party In Liability Insurance

With the continuous improvement of social production,the improvement of our living standard also increases the risk and crisis in production and life.In order to maintain the stability of social order and disperse the risks in production and work,the liability insurance system arises at the historic moment.The original intention of liability insurance is to cover the loss of the insured.With the problems exposed in practice and the improvement of the theoretical level,liability insurance turns to focus more on the relief of the third party.As the party in need of relief in the accident of liability,the third party has been paid more attention in theory and practice.The Insurance Law was revised in 2009,in which the direct claim right of the third party in liability insurance was clearly stipulated.This was the first confirmation of the claim right of the third party in the history of China’s Insurance Law,and it was of landmark significance for the protection of the interests of the third party.However,in combination with all the current provisions in China,the Insurance Law,as a general law of the liability insurance system,can not be connected with other special laws.For the exercise of the third person direct claim subject regulation is unreasonable,the conditions are harsh,and not on the insurer’s defense,it is necessary to perfect our country the third party direct claim of the relevant applicable law,the reasonable expand the scope of the main body of the third person,the less for his right to a third person to set up the premise of strict limits,the insurer may avail itself of any defense,to achieve security system of the third person of the goal.