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交通事故已经成为威胁人民生命、财产安全的社会公害之一,而机动车保险在交通事故预防、经济补偿方面发挥着重要作用。该制度充分利用了交通事故责任强制保险的社会管理效用,对于完善我国的立法体系、保障人民生命财产安全、促进道路交通安全和维护社会稳定发挥着重要的作用,但是该制度本身在实际运行过程中还存在着许多问题和矛盾。为更好实现“交强险”制度的人本主义精神,预防和减少交通事故的发生,维护交通事故受害人的权益,必须在总结国外经验的基础上,结合我国具体实际,探索完善这一制度的有效途径。
Traffic accidents have become one of the social hazards that threaten people’s lives and property safety. Motor vehicle insurance plays an important role in traffic accident prevention and economic compensation. The system makes full use of the social management utility of compulsory insurance of traffic accident liability and plays an important role in perfecting the legislative system of our country, ensuring people’s life and property safety, promoting road traffic safety and maintaining social stability. However, the system itself plays an important role in actual operation There are still many problems and contradictions. In order to better realize the humanism spirit of “giving strong insurance” and prevent and reduce the occurrence of traffic accidents and safeguarding the rights and interests of victims of traffic accidents, we must explore and improve this on the basis of summing up foreign experiences and combining with the specific conditions in our country System of effective ways.