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交强险实行责任限额是世界大多数国家的普遍做法,这是交强险广覆盖、保基本特点的必然要求。但是由于我国交强险制度尚不成熟,加之经济的飞速发展,交强险责任限额制度的具体规定往往落后于社会发展之需求以至于难以充分发挥其应有的基本保障功能。本文在分析我国交强险制度缺陷的基础上,尝试性地提出了完善我国交强险限额制度的意见,希望能对我国交强险限额制度的改进有所裨益。
It is a common practice in most countries in the world to pay the maximum liability for forced labor. This is an inevitable requirement for the coverage of basic insurance and the basic characteristics of insurance. However, due to the immature diplomatic insurance system in our country and the rapid economic development, the specific provisions of the liability insurance quota system often lag behind the needs of social development so that it is difficult to give full play to its due basic guarantee function. Based on the analysis of the shortcomings of the system of compulsory traffic insurance in our country, this article tentatively put forward the opinion of perfecting the system of the quota of the insurance of strong insurance in our country, hoping to be helpful to the improvement of the system of quota of the insurance of the compulsory insurance in our country.