善意取得制度下保险人赔付的困扰与应对——从一起保险案例说起

发布时间：2018-04-29 09:21

本文选题：投保人 + 抵押权人　；参考：《上海商学院学报》2014年05期

【摘要】：随着我国经济的快速发展,作为朝阳行业的保险业也在不断地向着纵深发展,保险所涉及的各种法律关系也呈日趋复杂之势。例如,如果抵押人对该财产投了财产险,财产一旦受损,善意抵押权人通过设置的抵押权优先获得保险金,这从理论上来讲是没有任何障碍的。问题是为该财产投保的不是抵押人而是所有权人,那么,同案中,当所有权人遇上了善意抵押权人时,所有权人投保后其本可获得的保险金却由第三人抵押权人优先获得的话,其结果是否违背了所有权人通过投保转移风险的初衷。意即,当原权利人与善意的第三人之间发生了谁能获得保险金——这一经济利益发生根本性冲突的时候,我们应如何综合考虑保险法、合同法、物权法等各部法律所保护的利益主体之间的平衡,从有利于维护交易的安全和稳定的角度出发,通过对民法和保险法的相关法理进行分析、演绎,找到一个令人信服的合理赔付方案。
[Abstract]:With the rapid development of China's economy, the insurance industry, as a sunrise industry, is developing in depth, and the various legal relationships involved in insurance are becoming more and more complicated. For example, if the mortgagor puts property insurance on the property, once the property is damaged, the bona fide mortgagee receives the premium first through the set mortgage, which is theoretically without any obstacle. The problem is that the property is insured not by the mortgagor but by the owner, so, in the same case, when the owner encounters a bona fide mortgagee, the owner's insurance benefits after insurance are given priority by the third party mortgagee. Whether the result is contrary to the original intention of the owner to transfer the risk through insurance. In other words, when there is a fundamental conflict between the original owner and a bona fide third party who can get the insurance benefit, how should we consider the insurance law, the contract law, The balance between the benefit subjects protected by various laws such as the property Law, from the point of view conducive to maintaining the security and stability of the transactions, is deduced through the analysis of the relevant legal principles of the civil law and the insurance law. Find a convincing and reasonable compensation plan.
【作者单位】：华东政法大学;
【基金】：上海市高校一流学科(法学)建设计划(经济法学科)的阶段性成果 2012年度上海市教育委员会科研创新重点项目“上海市特大突发事件应对机制研究——从保险视角探索巨灾风险转移的思路及对策”(项目编号:12ZS155)的阶段成果
【分类号】：D922.284

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