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《中国人民共和国道路交通安全法》(以下简称《道交法》)中我国第一次以法律的形式明确规定了机动车交通事故责任强制保险(以下简称“交强险”)制度,其后国务院又出台了《机动车交通事故责任强制保险条例》(以下简称《条例》),也于2006年7月1日起施行。这两部法律却出现诸多方面矛盾和冲突,使得此制度在适用上不断出现问题,学术上的争议也从未停息。其中最具争议的问题之一是交强险理赔范围。本文在此主要探讨交强险理赔范围存在的相关法律问题。
For the first time in China’s Road Traffic Safety Law of the People’s Republic of China (hereinafter referred to as the “Road Traffic Safety Law”), China has explicitly stipulated the system of compulsory motor vehicle accident liability insurance (hereinafter referred to as the “compulsory insurance”) system. Promulgated the “Motor Vehicle Liability Compulsory Insurance Ordinance” (hereinafter referred to as “Ordinance”), also on July 1, 2006 shall come into force. However, there are many contradictions and conflicts between these two laws, making the system continually problematic in its application and academic disputes have never ceased. One of the most controversial issues is the scope of pay claims. This article mainly deals with the related legal problems existing in the scope of the payment of insurance claims.