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我国《机动车交通事故责任强制保险条例》已实施四年有余,但仍存在许多问题有待完善。文章针对它的保障范围规定的不足,提出了应对财产损失的赔偿进行限制的完善对策;为保障受害第三人能及时获得足额赔偿,应赋予其对保险人的直接请求权;针对社会救助基金存在的问题,提出完善社会救助基金的适用范围、拓展其资金来源、明确其管理机构等建议,以期进一步完善机动车交通事故责任强制保险制度。
China’s “Motor Vehicle Accident Liability Insurance Ordinance” has been implemented more than four years, but there are still many problems to be improved. The article proposes the perfect countermeasures to limit the compensation for the property loss in view of the insufficiency of the stipulation of its guarantee scope. In order to guarantee the third party who suffered the victim compensation timely and in full, the direct claim should be given to the insurer. Fund problems, put forward to improve the scope of application of social assistance funds, expand their sources of funding, and clear its management agencies and other proposals, with a view to further improve the compulsory traffic accident liability insurance system.