“酒后驾车险”是个相对的新产品,它一入世就受到褒贬不一的评论,那究竟“酒后驾车险”是应该被抛弃,还是应该得到调整并继续适用于社会呢?本文从“酒后驾车险”的出处谈起,讲述它法律上和事实上的合理性,同时也对它存在的缺陷,也就是大家耿耿于怀的道德风险问题也进行了讨论,希望能够论证自己的观点。 “Drunk driving insurance ” is a relatively new product, it is subject to mixed reviews as soon as it enters the WTO, then what should be abandoned, or should be adjusted and continue to apply to society? This article starts from the source of “drunk driving insurance”, tells about its legal and de facto rationality, and also discusses the shortcomings of its existence, that is, the moral hazard that everybody indulges in. At the same time, Hope to prove their point of view.