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为了在交通事故发生后能够对受害人进行基本的救济与保护,世界绝大多数国家实行强制机动车责任保险制度,即凡是在道路上行驶的每一辆机动车都必须投保机动车责任保险,在交通事故发生后,由保险公司在保险金额的限度内,替代加害人向受害人赔偿,以保护受害人的利益。我国《道路交通安全法》第17条规定,国家实行机动车第三者责任强制保险制度,设立道路交通事故社会救助基金。我国交强险具有保障权益、弥补损失、分散风险的功能,其目的在于有效地化解交通事故所带来的矛盾,对事故中的受害人提供最基本的救助,因此在设计交强险尤其是保护受害人利益时要着重考虑公共安全的需要,秉承“以人为本”的理念。
In order to provide victims with basic relief and protection after a traffic accident, the vast majority of countries in the world have imposed a compulsory motor vehicle liability insurance system, in which every vehicle traveling on the road must insure motor vehicle liability insurance, In the event of a traffic accident, the insurance company shall compensate the victim instead of the perpetrator within the limits of the insured amount in order to protect the interests of the victim. Article 17 of China’s “Road Traffic Safety Law” stipulates that the state shall implement compulsory third party liability insurance system for motor vehicles and set up social assistance fund for road traffic accidents. The purpose of our country is to effectively resolve the contradiction caused by traffic accidents and provide the most basic relief to the victims in the accident. Therefore, in the design of cross-country insurance, especially the protection of victims’ interests We must focus on the need to consider public safety, adhering to the “people-oriented” concept.