我国交强险立法定位问题研究

交强险的重复投保以及法院处理此类案件中出现的"同案不同判"现象,折射出我国交强险的保障不足及对交强险立法定位的认识分歧,实务中采取解除起期在后交强险合同的裁判方法欠缺保险法的法理依据;重复投保的成因主要在于交强险的封顶式保障模式及事故分项责任限额模式不能为被保险人和受害人提供相对充分的保险保障;而现有保障模式的形成则又受制于交强险的"不盈不亏"费率模式及为商业三责险的运营预留必要盈利空间的立法定位。解决重复投保问题的长远出路在于将商业三责险与强制三责险合二为一,在此基础上取消对三责险的封顶限制,同时改"不盈不亏"的费率模式为"适度盈利"的费率模式。

A Research on the Legal Orientation of Compulsory Traffic Accident Liability Insurance

Repeated-insurance and "different judgments for one case" in court reveal insufficient protection of compulsory traffic accident liability insurance and opinion differences on the legal orientation of compulsory traffic accident liability insurance.The judgment method of terminating late insurance contract in practice lacks the legal basis of insurance law.The causes for repeated-insurance lie in capping insurance and insufficient protection of individual liability limits for insurant and beneficiary.However,the existing insurance type is dominated by "no profit and no loss" tariff mode of compulsory traffic accident liability insurance and the legal orientation of leaving necessary profits for business third party liability insurance.The long-term solution for repeated-insurance lies in the combination of compulsory traffic accident liability insurance and business third party liability insurance and the change from "no profit and no loss" to "appropriate profits" in the basis of capping cancellation for third party liability insurance.