Research On The Compulsory Automobile Liability Insurance System In China

China’s compulsory automobile liability insurance (referred to as “compulsorytraffic insurance”) was purposed on July1,2006.It has been practiced for five years. Asthe first insurance of legislation enforced, It protected interests of the motor vehicle roadaccident victims, and it also fully embodied the "people-oriented" concept.Compared with some developed countries and regions, China’s compulsoryautomobile liability insurance system established relatively late, it is still in earlydevelopment, its system construction and specific measures are not very perfect, andthere still has some problems in practice. In order to further promote road safety, andbetter to play its social functions and responsibilities of protecting human life and health,it needs to explore the ways of effectively perfect it on the basis of summing up theadvanced experiences of developed countries and regions and combined with China’sspecific reality.This thesis includes the following sections:First, is the introduction, mainly explained the background of the study and practicalsignificance of the thesis, the goal of this study, research methods and innovation andinadequacies of the thesis. The first part is overview of the compulsory traffic insurancesystem. At first, explained the concept of the compulsory traffic insurance. It analysis thecompulsory traffic insurance’s feature that different from the other insurances, likemandatory, unity and commonweal. The second part contrast the features the compulsorytraffic insurance of three areas. And then, it summed up the reference and implications toperfect China’s compulsory traffic insurance. The third part is the analysis of the presentsituation and problems of the compulsory traffic insurance of China. Explore theproblems or questions of it from three angles that are insured, the victim and the insurer.Sum up the reasons of the problems after analysis. The reason include: the contradictionbetween the business principles of “neither profit nor loss” and the commercial businessmode, the problems of insurance coverage, the imperfect compensation mechanism, theimmature relief fund system and the relationship with commercial liability insurance.The forth part is also the last part. It sums up some proposal to perfect the compulsory traffic insurance of China. The proposed measures include business mode, insurancecoverage, compensation mechanism, supporting systems and so on. Hope that thatmeasures can perfect the compulsory traffic insurance.