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目前车辆强制保险金主要由商业保险公司代为管理,每年都会有不少余额。一方面,公众对于这些资金的使用去向不甚明了,另一方面,交通事故发生后,政府往往拿不出足够的资金救济那些因交通事故而面临极大困难的人。根据《中华人民共和国道路交通安全法》第十七条,应设立道路交通事故社会救助基金。建议北京市可以开展相应的地方立法工作并落实。其中,对于车辆强制保险,可仍由商业保险公司收缴并办理赔付,但每年应接受北京市道路交通事故社会救助基金会的审查。审查通过后,将车辆强制保险金余额一次性转入道路交通事故社会救助基金。
At present, the compulsory insurance of vehicles is mainly managed by commercial insurance companies, and there will be a lot of balance every year. On the one hand, the public is not clear on where these funds are used. On the other hand, after a traffic accident, the government often can not afford sufficient funds to relieve those people who are facing tremendous difficulties due to traffic accidents. According to Article 17 of the Law of the People’s Republic of China on Road Traffic Safety, social assistance funds for road traffic accidents should be set up. It is suggested that Beijing should carry out corresponding local legislative work and implement it. Among them, the compulsory vehicle insurance can still be collected by the commercial insurance companies and pay, but each year should be subject to Beijing Road Traffic Accident Social Assistance Foundation’s review. After the examination and approval, the compulsory vehicle insurance premiums will be transferred to the social accident fund for road traffic accidents in one go.