关键词: 交通事故, 保险制度, 交强险, 商业险, 豪车险

Abstract:

Owners of ordinary cars and owners of luxury cars have equal legal status，bearing the same responsibilities and
obligations，but in traffic accidents involving both ordinary cars and luxury cars，the compensation results are not in line with
people’s concept of justice. Therefore，it is of significance to balance the rights and obligations of owners of ordinary cars
and luxury cars when traffic accidents occur. The current legal system and insurance system cannot solve the problem of
unreasonable compensation after the accident. The author holds that conflicts between ordinary and luxury car owners can
be eased by setting insurance for luxury cars which can help achieve substantial justice，protecting equal road rights，and the
weaker party in traffic accidents. The luxury vehicle insurance compensation covers only property damage caused by ordinary
vehicles. For this purpose，the insurance system is to be reformed to clearly define the maximum amount of compensation and
the lowest amount of premium for luxury vehicle insurance.

Key words: traffic accidents；insurance system, the Compulsory Traffic Accident Liability Insurance for Motor Vehicles,
luxury vehicle insurance