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在受害人提起的交通事故损害赔偿诉讼中,保险公司能否作为当事人?如果能作当事人,是与被保险人一起列为共同被告还是列为第三人?该问题自2004年5月1日《道路交通安全法》(以下简称《交法》)实施后至机动车第三者责任强制保险法规出台前,一直成为法律理论界与实务界争论不休的焦点问题。之所以引起广泛的争论,盖因《交法》第七十六条规定的过于笼统和原则,又无相关配套法规或司法解释予以明确。国务院于2006年3月28日公布《机动车交通事故责任强制保险条例》(以下简称《条例》)后,此问题并未尘埃落定。原因在于《条例》没有赋予交通事故受害人对保险公司的直接请求权。
In the lawsuit filed by the victim for damages in case of an accident, can the insurer act as a client, be a client, co-defend with the insured, or be a third party? This question, as of May 1, 2004 Before the promulgation of the “Road Traffic Safety Law” (hereinafter referred to as the “Law of Communications”) to the compulsory third party liability insurance of motor vehicles, it has always been the focus of debate among the legal theory circles and the substantive circles. The reason for the widespread controversy is that it is not clear because of the too general and principle laid down in Article 76 of the “Law of Communications” and without any relevant supporting laws or judicial interpretations. After the State Council promulgated the Regulations on Compulsory Liability for Motor Vehicle Traffic Accidents (hereinafter referred to as the “Regulations”) on March 28, 2006, this issue has not been settled yet. The reason is that the “ordinance” did not give victims of traffic accidents direct claims on insurance companies.