论汽车贬值损失的损害赔偿

发布时间：2018-07-05 11:14

本文选题：贬值损失 + 财产损害　；参考：《清华法学》2017年04期

【摘要】：汽车贬值损失的本质,在于人们对风险的厌恶心理,使得交易市场对事故车可能存在隐藏瑕疵或致损风险产生消极评价,由此导致涉事汽车在交易市场上较正常价格更低。就此而言,贬值损失是受害人因交通事故所遭受的客观财产损害,符合相当性要求,应予赔偿。在认定贬值损失赔偿时,须存在相关交易市场,但不以实际出售或出售意图为必要;当然,其受致损程度、行驶年限及里程等因素限定。贬值损失的计算,以涉事车辆是否实际出售,分为具体与抽象两种;在未实际出售的抽象计算情形,应通过司法鉴定,结合各相关因素综合认定贬值损失大小。在损失分担上,交强险不包含汽车贬值损失赔偿;在加害人有商业第三者责任险情形,保险人对贬值损失预先拟定的免责条款应尽说明义务,否则仍须承担贬值损失赔偿义务。说明义务是否履行,应从说明内容与说明方式两方面进行认定。
[Abstract]:The essence of automobile depreciation loss lies in people's aversion to risk, which makes the market have negative evaluation on the risk of hidden defects or damage of accident vehicle, which leads to the lower price of the involved car than the normal price in the trading market. In this respect, depreciation loss is the objective property damage suffered by the victim as a result of traffic accident, which meets the requirement of proportionality and should be compensated. In determining the depreciation loss compensation, there must be a relevant trading market, but not the actual sale or sale intention is necessary; of course, its damage degree, driving time, mileage and other factors are limited. The calculation of depreciation loss can be divided into concrete and abstract according to whether the involved vehicle is actually sold or not. In the case of abstract calculation without actual sale, the depreciation loss should be determined by judicial identification and combined with various relevant factors. In the loss sharing, the traffic insurance does not include the automobile depreciation loss compensation; in the injurious person has the commercial third party liability insurance situation, the insurer to the depreciation loss beforehand formulates the exemption clause should explain the obligation fully, otherwise still must bear the depreciation loss compensation obligation. Whether the obligation is fulfilled should be determined from two aspects: the content and the mode of explanation.
【作者单位】：中国政法大学民商经济法学院;
【基金】：中国国家留学基金资助
【分类号】：D918.9

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