论强制机动车保险的立法模式

对于因机动车的使用所导致的死亡、体伤与财损,各国所采用的保险体制大致分为责任保险和无过失保险两种.为解决机动车交通事故所带来的社会问题,各国以立法强制机动车所有人或驾驶人投保机动车保险,就其立法体例而言,大致也可分为强制责任保险和强制无过失保险两种模式.强制无过失保险虽属良制,但在我国现实的经济社会生活条件下,目前只宜选择强制责任保险模式.

On the Legislative Pattern of Compulsory Motor Vehicle Insurance

To the death, injury and loss of property due to the use of motor vehicle, two kinds of insurance are adopted in the world: responsible insurance and non - fault insurance. To solve the social problem led by the traffic accidents caused by motor vehicle, all the countries have legislation to force the owner or the driver of the motor vehicle to buy the vehicle insurance. According to the legislative style, it can be roughly devided into compulsory responsible insurance and non- fault insurance. Although non-fault insurance is fine legislation, it is better to choose compulsory responsible insurance in the reality of China's social and economical condition.