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《机动车交通事故责任强制保险条例》(以下简称“交强险”)在《中华人民共和国道路交通安全法》(以下简称“安全法”)实施26个月后迟迟出台,《交强险》法条体现出对弱势群体人权和交通从业者合法权益的漠视,设定的保险费率、赔付限额、分项限额等严重违背客观规律,赔付程序繁琐冗长等弊端,被社会各界斥责为缺失公平正义,与构建和谐社会背道而驰。透过对《交强险》立法初衷及实际效果进行的分析,可以看出我国部门立法的弊端已到了非改革不可的程度。
The Regulations on Compulsory Motor Vehicle Accident Liability Insurance (hereinafter referred to as “Compulsory Traffic Insurance”) were released 26 months after the implementation of the “Road Traffic Safety Law of the People’s Republic of China” (hereinafter referred to as the “Safety Law”), The law reflects the neglect of the legitimate rights and interests of the underprivileged groups of people and transport practitioners, the set premium rates, payment limits, sub-quotas and other serious violations of objective laws, long red tape and other redundencies of payment procedures, the community has been denounced as missing Fairness and justice run counter to the construction of a harmonious society. Through the analysis of the original intention of legislation and the actual effect of “making the strong insurance”, we can see that the malpractices of our country’s departmental legislation have reached an unmanageable level.