挂靠车辆保险制度法律问题研究

发布时间：2018-03-31 00:21

本文选题：挂靠　切入点：保险利益　出处：《对外经济贸易大学》2015年硕士论文

【摘要】：本文选取实践中挂靠车辆保险理赔的两起典型案例,从挂靠情形下实际车主和名义车主诉讼地位的确定及民事责任的承担问题、保险利益的归属问题以及免责条款的适用问题三个方面进行深入分析。由于不同案件中的交通事故受害人对于如何选择挂靠关系的当事人作为诉讼主体具有不确定性,因此会造成最终承担民事赔偿责任的主体及方式也并不确定。此外,在审判实践中,对于挂靠车辆交通事故民事责任承担情况存在不同处理方式,挂靠人和被挂靠人均有可能承担民事赔偿责任,又进一步加剧了情况的复杂性和不确定性。根据保险利益原则,在车辆第三者责任险中只有对于在交通事故中发生损害的第三者可能承担侵权赔偿责任的主体,才应具有保险利益。因此车辆挂靠关系下保险利益应当如何确定存在难题。本文通过对案例涉及的实务问题进行梳理和总结,提出以最大诚信原则作为确定保险利益归属的新视角,并建议在汽车保险制度改革中对于保险利益进行明确解释,保险合同各方应恪守诚信原则,通过制定合理的保险条款、强化保险公司主体责任以及建立相关机构的联动机制等方面,对我国汽车保险制度改革提出有益的建议。
[Abstract]:This paper selects two typical cases of vehicle insurance claims in practice, from the case of the actual owner and the nominal owner of the litigation status of the determination and civil liability issues,The attribution of insurance benefits and the application of exemption clauses are analyzed in depth.Because the victims of traffic accidents in different cases have uncertainty as to how to choose the related parties as the main body of the lawsuit, the subject and the way to bear the civil liability for compensation will be uncertain.In addition, in the trial practice, there are different ways to deal with the civil liability in connection with traffic accidents, and both of them are likely to bear civil liability for compensation, which further intensifies the complexity and uncertainty of the situation.According to the principle of insurance interest, only the subject of tort liability for the third party may bear the liability for tort in the vehicle third party liability insurance should have the insurance interest.Therefore, how to determine the insurable interest under the vehicle link relationship is a difficult problem.By combing and summarizing the practical problems involved in the case, this paper puts forward the principle of maximum good faith as a new angle of view to determine the ownership of insurance interests, and suggests that the insurance interests should be clearly explained in the reform of automobile insurance system.The parties to the insurance contract should abide by the principle of good faith and put forward some useful suggestions for the reform of China's automobile insurance system by making reasonable insurance clauses, strengthening the principal responsibility of the insurance company and establishing the linkage mechanism of the relevant institutions.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.284

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