《机动车交通事故责任强制保险条例》(以下简称《条例》)于2006年7月1日起正式实施,后经2012年3月30日和12月27日两次修订。最新修订的《条例》于2013年3月1日施行。该条例是国家以立法形式强制机动车所有人或管理人购买交强险,为机动车道路交通事故受害人提供基本保障的重大举措。作为规范机动车交强险的行政法规,《条例》受到社会各界的广泛关注。虽然《条例》几经修改,但关于《条例》第二十二条的理解与适用问题一直是广泛争议的问题之一。其中,在该条规定的三种情况下,死亡伤残赔偿金是否属于保险公司的免赔范围是争议的核心问题。目前的司法实践对该条的适用 The Compulsory Motor Vehicles Accident Liability Insurance Regulations (the “Regulations”) came into effect on July 1, 2006, with two amendments on March 30 and December 27, 2012. The newly revised “Regulations” came into force on March 1, 2013. The regulation is a major move by the state to force motor vehicle owners or managers to purchase forced insurance in the form of legislation to provide basic guarantees for victims of road traffic accidents involving motor vehicles. As a normative motor vehicle compulsory administrative regulations, “Regulations” by the community wide attention. Although the Regulations have been amended several times, the issue of understanding and application of Article 22 of the Regulations has always been one of the most controversial issues. Among them, under the three circumstances stipulated in the article, whether the death disability compensation belongs to the deductible scope of the insurance company is the core issue of the dispute. The current judicial practice of the application of the article