The Legal Problems And Countermeasures About Motor Vehicle Compulsory Liability Insurance In China

The compulsory liability of vehicle insurance is defined by that the insurance company will pay for the compensation within the limits of the compulsory liability of traffic accident vehicle insurance, except the insured victims of the vehicle itself and personal injury, property loss. After the implementation of compulsory liability of traffic accident vehicle insurance, whether the insured was responsible in a car accident, insurance companies will pay for the compensation according to relevant laws and regulations, and compulsory liability of traffic accident vehicle insurance policy for specific provisions, within the limits of liability for compensation compulsory liability of traffic accident insurance, it is a great value for the development of the road transport system in china. After years of hardworking, the legal system of Chinese motor vehicle compulsory insurance is becoming better and better with considerable achievement. However, due to the insufficiency of theoretical foundation and practical experiences, there are intolerable problems which are not good for the legislative goal of ensuring timely and effective compensation for third party victims in traffic accidents.This paper tries to analyze the shortage in the current motor vehicle compulsory liability insurance system, and discusses about the legislative goal of providing timely and effective compensation for the losses of the third party victims, and proposes detailed suggestions for improvement on the basis of the explanation of the fundamental theories of motor vehicle compulsory liability insurance system through methodologies including conceptual analysis, comparative study and empirical study. It also tries to provide legislation suggestions for the improvement of this system through concluding the major contents of the motor vehicle compulsory liability insurance system of developed countries.In the logic of this paper, the discussing method of starting from basic theory defining to legislative proposal is applied. Specifically, this paper is divided into the following parts:Chapter one describes the basic theories of motor vehicle compulsory liability insurance legal system in detail and provides theoretical foundation for the protection of the interest of the third party victim in traffic accident. Chapter two probes into the major contents of the current motor vehicle compulsory liability insurance legal system, pointing out the difficulties we face in the problems of our country's compulsory liability of traffic accident vehicle insurance. Chapter three systematically studies oversea motor vehicle compulsory liability insurance legal system to provide references for the sufficiency of our country's compulsory liability of traffic accident vehicle insurance. Chapter four further testifies methods to improve and Chinese motor vehicle compulsory liability insurance legal system, and proposes suggestions for solutions to our country's compulsory liability of traffic accident vehicle insurance.