论机动车交通事故责任强制保险的法律适用

机动车交通事故责任强制保险是以保护和救助生命为核心的制度,它与机动车第三者责任保险在法律依据、法律性质、责任划分、保险费率等诸多方面存在不同,在法律适用中不可混淆;若两者并存时,机动车交通事故责任强制保险优先适用,机动车第三者责任保险补充适用,以有效分散风险,同时,也为交通事故受害人设置了双重保护,更加有利于保证交通事故受害人得到及时救助;在诉讼中,机动车第三者责任强制保险的受害人可以以保险公司为被告,直接向其求偿;而机动车第三者责任险的受害人只能把保险公司列为无独立请求权的第三人。

The law commenting on motor vehicle road accident responsibility compulsory insurance is suitable for use

The mechanical transport accident responsibility compulsory insurance is take protects and the rescue life as the core system,it with the vehicle third party risk insurance in the legal basis,the legal nature,the responsibility divides,the premium rate and so on many aspects exists differently,is suitable in the law can not on fuse;If two coexists time,the mechanical transport accident responsibility compulsory insurance first is suitable,the vehicle third party risk insurance supplement is suitable,by effective disperser risk,simultaneously,also has established the dualprotection as the traffic accident victim,is more advantageous to the guarantee traffic accident victim obtains the prompt rescue;In the lawsuit,the vehicle third party risk compulsory insurance victim may take the insurance company as a defendant,directly strives for to it to recompense;But the vehicle third party risk danger victim only can list as the not independent request power third person the insurancecompany.