文档介绍：万方数据万方数据上海交通大学法律硕士学位论文交强险中保险人的追偿权问题 I 交强险中保险人的追偿权问题摘要近年来,随着我国机动车保有量的大幅增长,随之而来的交通事故的数量也大幅上升。因此而导致的人身伤亡损失,对于家庭和个人来说都是沉重的负担。在交强险制度实施之前,对于受害人的赔偿问题主要是通过机动车商业第三者险来实现的,但由于商业险保险公司主要是以盈利为目的,对被保险人恶意肇事造成道路交通事故的,一般不予赔偿,从而使得对受害人的保障机制并不周全。为了尽最大可能的保护受害人利益,我国于2006年出台了《机动车交通事故责任强制保险条例》(以下简称《交强险条例》)。由于《交强险条例》第22条的规定模糊不清,导致各地法院的理解与适用不同,从而在审判过程中出现同案不同判的情形。在学界和司法实务中的主要争议是,对于保险人是仅承担抢救费用的垫付责任还是应当承担保险赔付责任、对于条款中的财产损失应当做扩张解释还是限缩解释。如果法院判决保险人承担保险赔付责任之后, 保险公司是否能根据《交强险条例》第22条的规定享有追偿权。本文通过对《交强险条例》第22条的解读,认为保险人应当对受害人的人身伤亡承担保险赔付责任而非仅就抢救费用承担垫付责任,并在赔偿后保险万方数据上海交通大学法律硕士学位论文交强险中保险人的追偿权问题 II 人有权代位受害人向被保险人追偿。保险人行使追偿权的法定事由应当进行扩张,将服用国家管制的精神药品或者麻醉药品后驾驶机动车发生交通事故的、被保险人从事犯罪行为或者逃避合法拘捕的、被保险人肇事逃逸后能找到肇事车辆等恶意行为也列为追偿事由,将被保险机动车被盗抢期间肇事的情形列为道路交通事故社会救助基金补偿的事由。关键词:交强险,保险人,除外责任,追偿权万方数据上海交通大学法律硕士学位论文交强险中保险人的追偿权问题 III On the Insurer’s Right of Recovery in Motor pulsory InsuranceagainstTraffic Accidents Abstract The recent years saw an upsurge in the number of motor vehicles in China, which has greatly pushed up the occurrenceof traffic accidents. The loss of lives, injuries and losses caused by such accidents constitute a heavy burden on both families and individuals. Before Motor pulsory Insuranceagainst Traffic Accidents was introduced, compensation to the victim was made mainly through The Third-Party Commercial Insurance. Commercial panies run for profits and therefore normally would not compensate for traffic accidents caused by the insured’s malice, thus the mechanism for protecting the interests of the victim was imperfect. With a view to protecting the victim’s interests to the largest extent, The Regulation on Motor pulsory Insurance against Traffic Accidents (hereinafter referred to as the Regulation) came into effect in 2006. Due to the ambiguity of Article 22 of the Regulation, different local courts have been interpreting and applying the article in different ways, andconsequently different rulings were made on similar cases.