近来 ,保险市场上新推出了一种作为机动车辆第三者责任保险附加条款的“非常事故损失特约险”(人们习惯上称为“酒后驾车险”) ,引起了社会各界的广泛关注。适应市场发展的需要从发达国家汽车发展的历史来看 ,汽车增加带来的一个主要社会问题就是 ,意外交通事故中无辜受害者的 Recently, a new accidental loss exception insurance (commonly known as “drunk driving insurance”), which is an additional clause of third party liability insurance for motor vehicles, has been newly launched in the insurance market and has drawn widespread public concern. Adapt to the needs of market development From the history of automobile development in developed countries, one of the major social problems brought by the increase of automobiles is the innocent victims of accidental traffic accidents