《保险研究》20200805-《自动驾驶汽车交通事故责任强制保险制度研究——一元投保主体下之二元赔付体系》（于海纯、吴秀）

［摘   要］自动驾驶汽车面对因应传统机动车及其交通事故而生的交强险制度,在能否适用及适用后投保义务人、受害人范围、赔偿损失范围及免赔事由确定等方面存在诸多问题。本文研究认为,自动驾驶汽车本质上仍属于可投保机动车,车辆所有人或管理人仍应作为投保义务人,此为驾驶自动化时代交强险之一元投保主体；同时,应正视自动驾驶汽车及传统机动车的本质区别,在赔付体系上,将车内人员纳入受害人范围但其赔偿损失范围仅限于人身损害。此外,保险人的免赔事由适用情形应更有限、适用条件应更严格,此为驾驶自动化时代交强险之二元赔付体系。总之,现行交强险制度既要传承既有制度功能,又要在受害人范围、赔偿损失范围、免赔事由等方面适时变革,以适应自动驾驶技术带来的冲击和促进产业可持续发展。

［关键词］自动驾驶汽车；交强险；投保；赔付

［作者简介］于海纯,法学博士,对外经济贸易大学政府管理学院、法学院教授；吴秀(通讯作者),北京金诚同达律师事务所。

A Research on the Regulation on Compulsory Traffic Accident Liability Insurance for Automated Vehicles—The Binary Payment System under Single Policy Holder

YU Hai-chun,WU Xiu

Abstract：Faced with the compulsory traffic accident liability insurance system which is based on traditional motor vehicles and their traffic accidents,there exists many issues on whether it is applicable to automated vehicle（“AVs”）and if it is,how to determine the policy holder,the scope of victims,the scope of damages and deductibles.This paper holds that AVs are still qualified insurable vehicles and the owners or managers of AVs are still the policy holders.We call it “Single Policy Holder” in the era of vehicle automation.In the meantime,we should note the essential differences between AVs and traditional motor vehicles,and persons inside the AVs shall be incorporated into the scope of victims,but the scope of the damages should be limited to personal injury only.The applicable situations for deductibles of insurers should also be more limited and the applicable conditions should be more stringent.This is the “Binary Payment System” in the era of vehicle automation.In a word,in the era of AVs,the current compulsory traffic accident liability insurance system should not only inherit its system functions,but also make necessary changes in the scope of victims,scope of compensations and deductible causes in order to adapt to the impact of vehicle automation and promote the sustainable development of the self-driving industry.

Key words：automated vehicles;compulsory traffic accident liability insurance;the policy holder;insurance claims payment