驾驶借用的未投保车辆肇事致伤他人 ，责任由谁承担？

中文简介

当借用他人未投保交强险的车辆发生交通事故，责任究竟该由司机还是车主承担？本期播客聚焦真实案例 —— 樊某某借用沈某的未投保车辆肇事致伤他人，法院最终判决司机全额赔偿，车主在交强险限额内承担连带责任。我们结合《民法典》《道路交通安全法》及相关司法解释，拆解 “借用车辆肇事” 中的三大核心问题：未投保交强险的法律后果、车主与使用人的责任边界，以及受害人如何高效维权。通过法官解读与案例分析，让你清晰掌握 “车借出去出事了怎么办”“没买交强险要赔多少钱” 等实用法律知识，远离交通事故赔偿陷阱。

English Introduction

Who is liable when a borrowed vehicle without compulsory traffic insurance causes an accident and injures others? This podcast focuses on a real case: Fan borrowed Shen’s uninsured car, causing an accident that injured Ni. The court ruled that the driver should bear full compensation, while the owner should share joint liability within the compulsory insurance limit. We analyze three key issues in "accidents involving borrowed vehicles" based on the Civil Code, Road Traffic Safety Law, and judicial interpretations: legal consequences of uninsured compulsory insurance, liability boundaries between owners and users, and how victims can efficiently claim rights. With judge explanations and case studies, you’ll master practical legal knowledge such as "what to do if a lent car causes an accident" and "how much to compensate for uninsured vehicles," avoiding traffic accident compensation traps.