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《保险法》第65规定责任保险制度,责任保险制度的建立为我国侵权人分散风险,被侵权人及时获得赔偿提供法律依据。责任保险的保险标的与普通保险略有差异,责任保险以民事损害赔偿为保险标的,民事损害赔偿取决于我国法律的规定,因此责任保险是否发达直接体现我国法律制度是否完善。文章以机动车责任保险为切入点,结合具体案例对我国机动车责任保险的运行现状进行分析,从法律的角度提出我国责任保险存在的问题及完善的建议。
Article 65 of the Insurance Law stipulates that the establishment of the liability insurance system and the liability insurance system provide the legal basis for the infringer to disperse the risks and obtain timely compensation for the infringer. The insured subject of liability insurance is slightly different from that of ordinary insurance. The liability insurance takes the civil damages as the subject of insurance. The compensation for civil damages depends on the provisions of our law. Therefore, whether the liability insurance is developed directly reflects the perfection of our legal system. This article takes motor vehicle liability insurance as an entry point, analyzes the current situation of motor vehicle liability insurance in our country with specific cases, and puts forward the problems and perfect suggestions of liability insurance in our country from the legal point of view.