明确“开门杀”责任 最高法拟推出司法解释

Core Viewpoint - The Supreme People's Court of China is seeking public opinion on a draft interpretation regarding traffic accident liability, specifically addressing the issue of "door opening accidents" which have become a significant concern for road safety and insurance claims [1][2]. Group 1: Legal Framework and Responsibilities - The draft interpretation clarifies that if a passenger opens a car door and causes damage, the liability falls under the vehicle's responsibility, allowing victims to claim compensation from the vehicle's mandatory traffic accident liability insurance [3][4]. - The draft also states that insurance companies cannot refuse to compensate victims by claiming that the passenger is not an insured driver, thereby preventing common denial of claims [3][6]. Group 2: Impact on Insurance Practices - The proposed regulations are expected to reshape insurance claims processes and the overall insurance industry, prompting companies to reassess their commercial vehicle insurance policies and definitions related to insured drivers and vehicle usage [8][9]. - Insurance companies will need to establish internal standards for pursuing claims against passengers who are found to have significant fault in "door opening accidents," ensuring compliance with the new legal framework [8][9]. Group 3: Broader Implications - The draft interpretation aims to enhance the clarity of liability in "door opening accidents," which have been a persistent issue in urban road safety, thus facilitating quicker compensation for victims [5][6]. - The proposed changes reflect a broader effort to address ambiguities in traffic accident liability and insurance responsibilities, potentially leading to a more standardized and fair approach to traffic accident claims [8][9].