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商业车险无责免赔条款引发的争议始终是一个热议的话题。一般说来,车主投保的商业车险险种主要有车损险和第三者责任险,前者补偿车主自身造成的车辆损失,后者用于支付车主对他人造成的损害赔偿,两险可基本覆盖一般交通事故中的损失补偿。与交强险“无责赔付”的原则不同,商业车险的赔付原则一直是过错责任原则。而车主在投保车辆出了事、对方负全责的情况下却得不到任何赔偿,成为事故中的最大受害人。这其中必然隐藏着车险条款、保险公司诚信、行业监管、法律规制等诸多方面的问题,亟待解决。
The controversy triggered by the non-liability policy of commercial auto insurance is always a heated topic. In general, the owners of commercial auto insurance coverage mainly car damage insurance and third party liability insurance, the former compensation for vehicle owners themselves caused by the loss of the latter used to pay the owner of the damage caused to others, the two basic insurance coverage Compensation for loss in traffic accidents. And pay strong insurance “no liability to pay ” principle is different, the principle of compensation for commercial auto insurance has always been the principle of fault liability. The car owners in the insured vehicles out of trouble, the other responsible for the case without any compensation, becoming the biggest victim in the accident. This inevitably hides the car insurance terms, the integrity of insurance companies, industry regulation, legal regulation and many other issues that need to be solved.