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机动车交通事故强制责任保险(“交强险”),是适应我国道路交通安全法的新立法而确立的第一个强制责任保险制度。在适用过程中,人们对其的认识经历了从纯粹保险险种到社会公共利益制度的转变,从替代顺序赔偿到第一顺位赔偿的转变,从严格限制理赔范围到严格限制免赔范围的转变。本文指出通过三个转变,实现了交强险从制度创设走向正确适用的有效改观,认识交强险制度及其现实适用,将助于理解立法精神,把握现实适用。
The compulsory liability insurance of motor vehicle accidents (“compulsory insurance”) is the first compulsory liability insurance system established by the new legislation of China’s road traffic safety law. In the application process, people’s understanding of it has gone through the transition from pure insurance to public interest system, from the alternative order compensation to the first-order compensation, from the strict limitation of claim settlement to the strict limitation of the exemption scope . This article points out that through the three changes, it has realized the effective improvement of QHD from the establishment of the system to the correct application. Understanding the system of cross-liability insurance and its practical application will help to understand the spirit of legislation and grasp the practical application.