遭遇“开门杀”，到底该谁担责？ 最高法拟规定：遭遇“开门杀”，保险也要赔

Core Viewpoint - The recent draft from the Supreme People's Court aims to clarify the legal responsibilities and insurance claims related to "dooring" accidents, which have been a contentious issue in traffic accident liability [1][3]. Group 1: Legal Clarifications - The draft proposes that when a vehicle passenger opens a door and causes harm to others, the liability should primarily fall on the vehicle's insurance, regardless of whether the passenger is deemed at fault [3][4]. - It specifies that insurance companies cannot deny compensation by claiming the passenger is not an insured driver, thus protecting the rights of the injured parties [4][6]. Group 2: Impact on Insurance Practices - The inclusion of "door-related" risks in the main insurance liability may lead to changes in insurance pricing, with a potential increase in base rates due to adjustments in actuarial models [5][6]. - Insurers may focus on monitoring high-risk groups, such as ride-hailing services, and implement differentiated pricing strategies [6][7]. - The draft also suggests that insurers will need to enhance their claims processes and recovery mechanisms to ensure timely compensation and effective recourse against negligent parties [6][7].