重复保险合同的效力及保险人责任分摊研究

发布时间：2018-06-25 04:01

本文选题：重复保险 + 合同效力　；参考：《大连海事大学》2014年硕士论文

【摘要】：重复保险制度作为保险法的一项重要制度,能有效抑制被保险人意图通过重复保险合同取得超额利益的道德风险,体现和维护了保险法基本原则—补偿原则的精神与目的。我国关于重复保险的规定较少,集中在《保险法》及《海商法》中,相比外国重复保险制度较成熟的立法例,我国重复保险制度很不完善。重复保险制度作用的发挥体现在从保险合同的订立、通知义务的履行、对合同效力的确定,及对有效的重复保险合同出险后进行责任分摊这一连贯的过程中,而合同效力的确定与责任分摊这两个至关重要的环节体现了重复保险制度的核心内容,即通过规制投保人(或被保险人)与保险人的合同关系,及保险人之间的责任分摊关系,以达到这两种法律关系的平衡、实现对法律关系各方的公平对待。本文以重复保险合同效力与责任分摊这两个部分为研究对象,通过对比外国与我国重复保险制度的立法现状,比较分析出我国相关法律规定的不足,并提出完善建议。本文分为四部分。第一部分是重复保险制度概述,阐述了重复保险的概念、构成要件等相关内容,旨在交代该制度的各项基本内容,为后文做铺垫。第二部分为重复保险合同的法律效力,通过比较外国和我国重复保险法律效力的立法情况,指出我国法律的缺陷,提出应对重复保险合同进行区分并赋予其不同效力的观点,并对采取此观点的原因及区分标准的选择等内容进行详细论述。第三部分为重复保险的责任分摊,分别从财产保险下的重复保险和责任保险下的重复保险两个角度,阐述了我国重复保险责任分摊法律规定的现状及问题。第四部分为对我国重复保险制度的完善建议,主要包括对我国重复保险概念及赔偿总额、重复保险通知义务、重复保险法律效力、财产保险重复保险责任分摊以及责任保险重复保险责任分摊的具体完善思路。
[Abstract]:As an important system of the insurance law, the duplicate insurance system can effectively restrain the moral hazard of the insured's intention to obtain excess benefits through the duplicate insurance contract, and embodies and maintains the spirit and purpose of the basic principle of insurance law-the principle of compensation. There are few regulations on duplicate insurance in our country, which are concentrated in "Insurance Law" and "Maritime Law". Compared with the more mature legislations in foreign countries, China's duplicate insurance system is far from perfect. The function of the double insurance system is embodied in the consistent process of the conclusion of insurance contract, the fulfillment of the obligation of notification, the determination of the effectiveness of the contract, and the sharing of liability after the effective duplicate insurance contract is insured. The determination of contract effectiveness and the allocation of liability embody the core content of the duplicate insurance system, that is, through regulating the contractual relationship between the policyholder (or the insured) and the insurer, as well as the responsibility sharing relationship between the insurer and the insurer. In order to achieve the balance between the two legal relations, to achieve fair treatment of the parties to the legal relationship. This article takes the double insurance contract validity and the liability allocation as the research object, through contrasts the foreign country and our country duplicate insurance system legislation present situation, compares the analysis our country related law stipulation insufficiency, and puts forward the consummation proposal. This paper is divided into four parts. The first part is an overview of the duplicate insurance system, which describes the concept of duplicate insurance, elements and other related content, in order to account for the basic contents of the system, for the following text to pave the way. The second part is the legal effect of duplicate insurance contract. By comparing the legislative situation between foreign countries and China, the author points out the defects of Chinese law, and puts forward the point of view that the duplicate insurance contract should be distinguished and given different effects. The reason of adopting this viewpoint and the choice of distinguishing standard are discussed in detail. The third part is the responsibility allocation of double insurance. From the two angles of double insurance under property insurance and double insurance under liability insurance, the present situation and problems of the law of double insurance liability allocation in our country are expounded. The fourth part is the perfect suggestion to our country's duplicate insurance system, including the concept of our country's duplicate insurance and the total amount of compensation, the obligation of double insurance notice, the legal effect of duplicate insurance. Property insurance duplicate insurance liability allocation and liability insurance duplicate insurance liability allocation concrete perfect train of thought.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D923.6;D922.284

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