最高法出手整治“开门杀”，交通事故责任认定迎来统一标准

Core Viewpoint - The Supreme People's Court is seeking public opinion on a draft interpretation regarding traffic accident liability, specifically addressing the issue of "door kill" accidents, aiming to clarify responsibility and insurance compensation mechanisms [1][2][3] Group 1: Legal and Regulatory Changes - The draft interpretation aims to establish clear guidelines for liability in "door kill" accidents, which have become more frequent and complex, leading to significant legal disputes and resource consumption in the judicial system [1][2] - The new regulation allows victims to claim compensation from the passenger responsible for opening the door, categorizing it as a liability of the "motor vehicle party," thus obligating insurance companies to compensate under mandatory and commercial insurance [3][4] Group 2: Insurance Implications - Insurance companies can no longer refuse compensation by claiming that the passenger is not covered under the policy, fundamentally changing the insurance landscape for such accidents [3][4] - The draft also details the rights of insurance companies regarding subrogation, allowing them to pursue recovery from passengers only in cases of intentional harm, while generally prohibiting recovery from passengers unless they are family members of the insured [5] Group 3: Industry Impact and Risk Assessment - The implementation of the new rules is expected to lead to significant changes in car insurance product design and claims processes, with a focus on incorporating human factors such as driving habits and passenger types into risk pricing [6][7] - The new regulations may result in a structural adjustment of insurance premiums, with high-risk groups facing increased costs while low-risk users may benefit from lower premiums [6][7] Group 4: Recommendations for Improvement - Industry experts suggest that insurance companies should develop specialized insurance products for commercial vehicles and enhance risk management through technology, such as installing door reminders and cameras [7] - The overall effectiveness of the new regulations will depend on the collaboration between the judiciary, regulatory bodies, and insurance companies to promote a safer culture around passenger loading and unloading [7]