目前,对是否应以被保险人的赔偿责任为基础,保险公司在责任限额内是否存在免责事由,以及保险公司应如何对抗受害人的赔偿请求等一系列问题,在《机动车第三者责任强制保险条例》制订过程中,存在着激烈的争论。笔者认为,保险人的赔偿责任必须以被保险人的赔偿责任为基础。保险公司可以保险合同中规定的对抗被保险人的抗辩事由对抗受害人。 At present, whether liability should be based on the insurant’s liability, whether the insurer has liability exemption within the limits of liability, and how the insurance company should resist the victim’s compensation claim and so on, Compulsory insurance regulations "in the formulation process, there is a heated debate. The author believes that the insurer’s liability must be based on the insured’s liability. The insurer can fight the victim as defenses against the insured, as set forth in the insurance contract.