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本文以案例导入,通过对交通事故损害中的无证驾驶情况下保险公司应否承担保险责任进行分析从而将侵权赔偿和保险赔偿的关系定位于替代关系而非不真正连带关系。同时,也对责任保险功能及侵权责任功能进行了相应的比较,从而为侵权赔偿与保险赔偿的范围与关系的定位做了基础性的铺垫。
Based on the case study, this paper analyzes the liability of insurance companies whether insurance companies should bear the responsibility of insurance in the case of traffic accident damage, so as to locate the relationship between infringement compensation and insurance compensation instead of unrelated ones. At the same time, the corresponding functions of liability insurance and tort liability are also compared, so as to lay a foundation for the positioning of the scope and relationship of tort compensation and insurance compensation.