错误和解对责任保险人的效力研究

发布时间：2018-03-14 04:47

本文选题：责任保险　切入点：“错误”和解　出处：《新疆大学》2017年硕士论文　论文类型：学位论文

【摘要】：我国《保险法》中对责任保险方面的规定比较简单,尤其对被保险人与第三人和解方面的规定几乎空白,对责任保险人抗辩方面的规定也不够完全。然而在保险实践中,这方面的规定存在于责任保险合同中。责任保险合同是责任保险人提供的,是从责任保险人利益角度出发而设计的,对于被保险人而言显失公平。本文通过对和解中“错误”分析,引出关于责任保险人参与权、责任保险人抗辩等问题,并对我国在《保险法》中应当增加的内容提出了建议。本文写作中主要采用了资料分析法、比较分析法和案例分析法,内容以和解协议对责任保险人的效力为研究对象,除结语外分为四个部分。第一部分为责任保险和解中“错误”的概述。这部分主要是界定责任保险、和解中“错误”的概念从而总结“错误”和解对于责任保险人效力的概念。另外是对和解中“错误”特征进行论述,以及简要分析责任保险“错误”和解中的法律关系。第二部分为责任保险中“错误”和解的表现形式。这部分在责任保险人和解参与权的基础上,分析责任保险人是否参与和解,所引起的不同“错误”和解的情形。在责任保险人未参与和解时,又分为收到通知与未收到通知两种情形。在责任保险人参与和解时,责任保险人是否同意和解协议也是不同的情形。第三部分为“错误”和解对责任保险人的效力分析。这部分首先是分析和解对责任保险人效力的权利基础,分别分析了责任保险人参与权与同意权两个方面。其次是分析“错误”和解对责任保险人的拘束力,从被保险人是否可以撤销和解协议为切入点。再次,针对责任保险人的抗辩,进而提出责任保险人代被保险人抗辩造成的利益冲突。第四部分为“错误”和解对对责任保险人效力之法律完善。首先是要建立和解参与权制度,这是各国法律中都有的一项制度。其次,和解协议中有“错误”内容时,不同情形下对责任保险人的效力规定。最后,对责任保险抗辩义务的规定提出了自己的意见。
[Abstract]:The provisions on liability insurance in China's Insurance Law are relatively simple, especially the provisions on the settlement between the insured and the third party are almost blank, and the provisions on the defense of the liability insurer are not complete. However, in the practice of insurance, This provision exists in the liability insurance contract. The liability insurance contract is provided by the liability insurer and is designed from the perspective of the interests of the liability insurer. Through the analysis of "error" in the settlement, this paper leads to the questions about the participation right of the liability insurer, the defense of the liability insurer, and so on. In this paper, the author mainly adopts the methods of data analysis, comparative analysis and case analysis, and takes the effectiveness of the settlement agreement on the liability insurer as the object of study. In addition to the conclusion, there are four parts. The first part is an overview of the "mistake" in the liability insurance settlement. The concept of "error" in the settlement thus summarizes the concept of the effectiveness of the "wrong" settlement for the liability insurer. In addition, it discusses the characteristics of "error" in the settlement. And a brief analysis of the legal relationship in the "wrong" settlement of liability insurance. The second part is the manifestation of "wrong" settlement in liability insurance. This paper analyzes whether the liability insurer is involved in the settlement, which results in different "wrong" settlements. When the liability insurer does not participate in the settlement, it is divided into two situations: receiving the notice and not receiving the notice. In the case of the liability insurer participating in the settlement, Whether the liability insurer agrees to the settlement agreement is also a different situation. The third part is the analysis of the effectiveness of the "wrong" settlement to the liability insurer. This part first analyzes the right basis of the settlement to the liability insurer. It analyzes the participation right and consent right of liability insurer respectively. Secondly, it analyzes the binding force of "wrong" settlement on liability insurer, starting from whether the insured can revoke the settlement agreement. In view of the defense of the liability insurer, the author puts forward the conflict of interest caused by the liability insurer on behalf of the insured. 4th is the legal perfection of the effectiveness of the "wrong" settlement against the liability insurer. First, it is necessary to establish the system of reconciliation and participation right. This is a system existing in the laws of all countries. Secondly, when there is "wrong" content in the settlement agreement, the validity of the liability insurer is stipulated under different circumstances. Finally, the author puts forward his own opinion on the stipulation of the liability insurance defense obligation.
【学位授予单位】：新疆大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.284

【相似文献】