摘要
关于行为人在驾驶证暂扣期间驾车是否可作为保险人交强险追偿权之理由,司法实践中存在着两种截然不同的观点。可以行使追偿权的理由主要是:一些批复性文件规定驾驶证暂扣属于未取得驾驶证的情形、被保险人违反法律的禁止性规定、可能鼓励非法驾车等,但这些理由或因文件失效,或因理论上存在问题而无法立足。由于驾驶证被暂扣期间驾车危险增加程度很小,与交强险追偿权的其他事由不具有同等的危险性,并且,驾驶证暂扣并非造成保险事故的近因,因此保险人应当承担保险责任。若允许保险人向被保险人追偿,实质是免除保险人的责任,故而,驾驶证暂扣期间驾车不能作为保险人行使追偿权之理由。
In practice,there are two different opinions about whether the insurer can recover from the driver when his license is suspected temporarily.The supporters think that there are many reasons： some administrative replies regulate that the temporary suspect of driving license means he did not get a license,the insured violates the prohibitive rules and it may encourage the behavior of illegal driving and so on.However,they are reasonless because the replies have been invalid or there is something wrong in theories.The authors think that the insurer should assume liabilities because the temporary suspect of driving license is not the proximate cause of an accident and not as dangerous as other facts in the assurance recovery.If the insurer is permitted to recover from the insured person,actually,it means the exemption of insurer＇s liability.So the insurer can＇t recover from the driver when his driving license is suspected temporarily.
出处
《山西警察学院学报》
2017年第3期19-25,共7页
Journal of Shanxi Police College
关键词
交强险
追偿权
驾驶证暂扣
compulsory insurance for traffic accident liability
the right of recovery
temporary suspect of driving license
