未投保交强险情形下投保义务人和侵权人的赔偿责任

The Liability of the Insured Obligor and the Infringer in the Case of Not Insuring Compulsory Traffic Insurance

摘要: 在未投保交强险的情形下发生交通事故，投保义务人和侵权人不是同一人的情形下，就被侵权人在交强险限额内的赔偿问题，由于司法解释和相关法律法规的模糊规定，司法机关对于该类纠纷缺乏统一的裁判标准。就被侵权人不能获得的交强险责任限额内的赔付，不能一味且孤立地认定相关责任人承担按份责任或是连带责任，而是应当对投保义务人和侵权人实行过错主义的归责原则，原则上由双方承担按份责任，且投保义务人应承担更重的赔偿责任。但如果投保义务人和侵权人存在“共同故意”，则双方应当对被侵权人承担连带的赔偿责任。

Abstract: In the case of a traffic accident occurring without compulsory traffic insurance, where the insured obligor and the tortfeasor are not the same person, due to the vague provisions of judicial interpretations and relevant laws and regulations, judicial authorities lack a unified standard for adjudicating such disputes regarding compensation within the limits of compulsory traffic insurance for the victim. For the compensation within the limits of compulsory traffic insurance that the victim cannot obtain, it is not appropriate to simply and in isolation determine whether the relevant responsible party should bear joint or several liability. Instead, the principle of fault-based attribution should be applied to both the insured obligor and the tortfeasor. In principle, both parties should bear joint liability, with the insured obligor assuming a heavier compensatory responsibility. However, if the insured obligor and the tortfeasor act with “common intent”, both parties should bear joint and several liability for compensation to the victim.