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界定机动车交通事故中受害者是否属于机动车三者险中的“第三者”范围,关系到受害者的救济,及保险人责任的承担,至关重要。我国立法上目前采用的是双轨制的机动车三者险的市场模式,因此三者险的“第三者”范围应当依据三者险种类的不同而有所区别。本文对现行制度进行分析,提出“第三者”范围的建议,具有现实意义。
It is of crucial importance to define whether the victim of a motor vehicle accident belongs to the “third party” of the three vehicles and the relief related to the victim and the liability of the insurer. At present, our country’s legislation adopts the dual-track market model of the three-risk vehicle. Therefore, the range of the “third party” of the three risks should be differentiated according to the types of the three risks. This article analyzes the current system and puts forward the suggestion of “third party”, which is of practical significance.