论交强险中保险公司的垫付责任——兼评《交强险条例》第22条

《交强险条例》第22条规定了醉酒驾驶等四种肇事情形下保险公司责任的承担问题。由于相关立法的冲突性与不周延性规定,实践中人们对该条的理解存在较大分歧,导致法律适用的不统一。从交强险的性质、立法宗旨以及垫付责任的性质来看,《交强险条例》第22条应当理解为在醉酒驾驶等四种肇事情形下保险公司在交强险责任限额内就受害人的人身伤亡和财产损失承担垫付责任。

Liability of Insurance Companies for Payment in Compulsory Auto Liability Insurance

The 22nd item of the Regulations on Compulsory Auto Liability Insurance provides liabilities of insurance companies in the state of four accident proneness such as drink-driving.Because of the conflicting and undistributed regulations,different people have different views on this title,which leads to disunity in the course of application.According to the nature and purpose of legislation of compulsory auto liability insurance,together with the nature of liability for payment on account,the 22nd item of the Regulations on Compulsory Auto Liability Insurance should be comprehended as that the insurance companies should take upon the liability for payment on account in respect of casualty and property loss within the liability limit in the state of four accident proneness such as drink-driving.