CAJ | 학술논문

交通事故受害人获得交强险赔付的前提是存在合法有效的保险合同。当交强险合同不成立、未生效或无效时，交通事故受害人面临纯粹经济利益损失，应当得到侵权法的保护。我国《交强险条例》和《道路交通安全法》中的部分条文构成了保护交通事故受害人的法律，机动车所有人、驾驶人以及保险公司有义务确保交强险合同合法有效。法定义务人因过错违反该法律并造成损害的，应当在交强险保险限额内承担侵权损害赔偿责任。
교통사고수해인획득교강험배부적전제시존재합법유효적보험합동。당교강험합동불성립、미생효혹무효시，교통사고수해인면림순수경제이익손실，응당득도침권법적보호。아국《교강험조례》화《도로교통안전법》중적부분조문구성료보호교통사고수해인적법률，궤동차소유인、가사인이급보험공사유의무학보교강험합동합법유효。법정의무인인과착위반해법률병조성손해적，응당재교강험보험한액내승담침권손해배상책임。
The validity of an insurance contract is one of the preconditions for traffic accident victims to get the insurance benefit. When the contract isnt exist, exist without effect or void, the victim of the accident may suffer a pure economic loss, which should be protected under the Tort Law. Some clauses in the Regulation on Compulsory Traffic Accident Liability Insurance for Motor Vehicles and the Road Traffic Safety Law can be deemed as protective law, which lead to statutory duties. The owner or driver of motor vehicle and the insurance company have to guarantee the validity of the insurance contract. Breach of these legal duties will give rise to tortious liability.