法律相关解读参考这段
In Singapore, the Motor Vehicles (Third Party Risks and Compensation) Act (Cap 189, 2000 Rev Ed) makes it compulsory for motorists to insure against liability for causing death or personal injury to other road users. The injured victim is not a party to the insurance contract. But under the Motor Vehicles (Third Party Risks and Compensation) Act, he is granted an enforceable right to claim damages from the insurer if he first obtains judgment against the motorist. The issue arises as to whether the injured victim of a road accident is able to claim if the motorist had committed a traffic offence (such as drunken driving or causing death by a rash or negligent act). The objective of compulsory motor insurance is the protection of victims of road accidents and public policy tends to operate in favour of the injured victim because compensation of the injured victim is stronger policy consideration than deterrence. Hence, it is arguable that the injured victim’s claim is not affected by the motorist’s commission of traffic offences.
