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商业三者险主要是保护受害人的权益,故保险公司无理由因为行为人的过错而剥夺受害人的民事求偿权。文章通过剖析两个实例,认为“顶包”行为属于一种特殊的逃逸行为,并从合同相对性以及受害人权益保护的角度认为在行为人逃逸的情况下,保险公司在商业三者险范围内赔偿受害者相关费用,并有权向侵权人追偿。同时,保险公司应当加强提示义务,可让投保人在免责条款处签字确认表示已阅读该条款。
The three commercial risks mainly protect the rights and interests of the victims, so the insurance company has no reason to deprive the victim of civil claims because of the perpetrator’s fault. By analyzing two examples, the article holds that “top-hat ” behavior belongs to a kind of special escape behavior. From the angle of contract relativity and protection of victim’s rights, the author thinks that in the case of the escape of the actor, Compensation within the scope of the victims related costs, and the right to recover from the infringer. In the meantime, the insurance company should step up its obligation of prompting to insure the policyholders that they sign the terms of the disclaimer, indicating that the terms have been read.