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Compulsory Automobile Liability Insurance Analysis

Author: JinLingYan
Tutor: FengYongFu
School: Southwestern University of Finance and Economics
Course: Business Administration
Keywords: Compulsory Automobile Liability Insurance Commercial third party liability insurance
CLC: D922.14
Type: Master's thesis
Year: 2008
Downloads: 109
Quote: 3
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Abstract

\In building a moderately prosperous society in the process of moving from a luxury car consumption becomes as ordinary consumer goods, to increase efficiency, convenient life, but also to the public traffic accidents brought suffering and a heavy economic burden. In this administrative regulation before the introduction, although the country through local laws or government regulations and other legal documents, required all motor vehicles purchased motor vehicle third party liability insurance, but scattered on different systems and to implement uniform standards, in the practical security aspects of accident victims, still feel powerless. \social management function, reduce the fiscal burden of government, and earnestly safeguard the public interest. Bill fully embodies the \Regulations as \and driving violation records linked to the new accident insurance under the principle of shared responsibility for compensation, as well as sub-limits of liability established social relief fund for victims, and so on, these changes related to the vital interests of each person, and understanding these changes for everyone is particularly important. Thesis compulsory traffic accident liability insurance principles and practices for analysis comparing, analyzing traffic accident liability compulsory insurance presence, as well as the role of its own shortcomings; commercial third party liability insurance through comparative analysis, show the compulsory traffic accident liability insurance pros and cons. This paper is divided into four parts, the first part of the motor vehicle accident liability compulsory insurance as a brief introduction of the compulsory traffic accident liability insurance definition of compulsory traffic accident liability insurance characteristics; well Compulsory Automobile Liability Insurance legislation, including the establishment of compulsory traffic accident liability insurance background, compulsory traffic accident liability insurance, meaning and compulsory traffic accident liability insurance historical evolution. The second part through a simple economic analysis demonstrated strong narrow escape in reducing malicious behavior, and to make more cautious driving behavior issues played an active role. The third part through compulsory traffic accident liability insurance and commercial third party liability insurance comparative analysis, show compulsory traffic accident liability insurance advantages and disadvantages. Comparative analysis of the content of the basic relations, including insurance, such as insurance body, the insurance object, insurance relationship; underwriting practices compare, such as underwriting limits, the insurance contract changes and release; comparative claims practices, such as comparing the claims process, claims handling comparison, including compensation franchise, compensation based standards. The fourth part of the judicial environment starting from the proposed compulsory insurance system in operation problems.

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CLC: > Political, legal > Legal > Chinese law > Administrative law > Public Security Management Act
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