机动车“交强险”受害第三人直接请求权问题研究

责任保险中的第三人直接请求权,是指责任保险的第三人依照法律规定或合同约定请求保险人直接给付保险赔偿金的权利。我国现行法律并没有赋予机动车"交强险"第三人享有直接请求权,在现有立法现状下,道路交通事故损害赔偿案件应借鉴世界主要立法国家的立法例,对受害第三人的范围,应根据实际情况区分对待,赋予机动车交通事故损害赔偿案件的受害第三人直接请求权。

On the Third Party Victim’s Problems of the Rights of Direct Claim in Automobile Liability Insurance

The direct right of claim of third party in liability insurance refers to the motor vehicle third party liability insurance,meaning that the third party in liability insurance may claim the insurance compensation form the insurer directly according to the law or the insurance contract.The current law has not given to motor vehicle "insurance" the third party enjoying the direct claim.In the existing legislation situation,the road traffic accident damage compensation cases should be dealt with by the world’s major legislation of national legislation,and should be decided on the actual situation,the range of the third person victim,giving the motor vehicle traffic accident damage compensation cases of vulnerable the third party claim directly.