修订后的《保险法》对海上保险理赔的影响

发布时间：2018-05-15 16:53

本文选题：海上保险理赔 + 修订后的《保险法》　；参考：《大连海事大学》2010年硕士论文

【摘要】： 海上保险理赔是指在海上保险合同关系中,发生海上保险事故后,被保险人依据法律规定和合同约定通知保险人,经保险人对事故的性质和责任进行核实和划分,确定是否对其足额支付保险金的阶段和程序。就我国现状而言,该阶段受《海商法》、《保险法》和其他法律法规的调整,2009年修订后的《保险法》对海上保险理赔进行了更加规范和严密的规定,从而在一定程度上改变了保险人与被保险人在实际理赔操作中出现权利义务规定模糊、责任划分不清、操作性不强的状况,为营造一个高效公平的海上保险理赔环境起到了积极的作用,但其仍旧未能解决一系列制约海上保险理赔发展的问题。本文旨在通过分析修订后的《保险法》给海上保险理赔带来的影响和仍存在的不足,对此程序的完善和发展提出自己的见解和建议。本文共分三章,第一章是概述,对海上保险理赔做简要的分析,点明我国现今海上保险理赔阶段适用的基本原则和法律法规,结合修订后的《保险法》出台前存在的问题引出修订后的《保险法》出台的背景和重要意义。第二章至第四章是对海上保险理赔程序中存在弊病的各个环节进行分类分析,探讨修订后的《保险法》对这些问题的解决之策,并指出其中仍未解决或者新出现的问题。结合国内外先进经验和立法理论对保险人和被保险人的权利义务进行再划分,重新确定责任的归属,提出新的立法建议,以期对我国海上保险理赔活动有所借鉴。
[Abstract]:Marine insurance claims settlement means that in the marine insurance contract relationship, after an accident of marine insurance occurs, the insured notifies the insurer in accordance with the provisions of the law and the contract agreement, and after the insurer verifies and divides the nature and liability of the accident, Stages and procedures for determining whether to pay insurance in full. As far as the present situation of our country is concerned, this stage is regulated by the Maritime Law, the Insurance Law and other laws and regulations. Thus, to a certain extent, it has changed the situation in which the rights and obligations of the insurer and the insured in the actual settlement of claims are vague, the division of responsibilities is unclear, and the operation is not strong. It plays a positive role in creating an efficient and fair environment for marine insurance claims, but it still fails to solve a series of problems that restrict the development of marine insurance claims. The purpose of this paper is to put forward some opinions and suggestions on the perfection and development of this procedure by analyzing the influence of the revised Insurance Law on marine insurance claims and the shortcomings that still exist. This paper is divided into three chapters, the first chapter is an overview, a brief analysis of marine insurance claims, points out the current stage of marine insurance claims applicable to the basic principles and laws and regulations, The background and significance of the revised Insurance Law are introduced in combination with the existing problems before the promulgation of the revised Insurance Law. The second to fourth chapters are the classification and analysis of the defects in the marine insurance settlement procedure, and the solutions to these problems are discussed in the revised Insurance Law, and the unresolved or new problems are pointed out. Combined with advanced experience and legislation theory at home and abroad, the author redivides the rights and obligations of the insurer and the insured, redetermines the attribution of liability, and puts forward new legislative suggestions in order to draw lessons from the activities of marine insurance claims settlement in China.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2010
【分类号】：D922.284

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