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2006年7月1日《机动车责任事故强制保险条例》开始施行,标志着我国开始实施机动车责任事故强制保险制度。随着这一制度的运行,受害人是否享有对保险人(保险公司)的直接请求权这一问题越来越成为实践中一个难以界定和处理的难题。围绕着我国目前是否存在受害人直接请求权,社会各界也有各自不同的理解和做法,造成了认识和实际做法中的混乱。因此,有必要理清这一问题。
July 1, 2006 “Motor Vehicle Accident Compulsory Insurance Regulations” came into effect, marking the beginning of our country to implement the compulsory motor vehicle accident insurance system. With the operation of this system, whether or not the victim enjoys the direct right of claiming the insurer (insurance company) has become a difficult problem to be defined and dealt with in practice. Around the current situation in our country, whether there is a victim’s direct claim or not, all walks of life in the society also have their own different understandings and practices, which have led to confusion in understanding and actual practice. Therefore, it is necessary to sort it out.