陈某诉某保险公司财产保险合同纠纷案评析

发布时间：2018-04-19 08:43

  本文选题：保险合同 + 霸王条款　； 参考：《湖南大学》2016年硕士论文

【摘要】：随着机动车辆的持续增长,保险行业的快速发展,有关机动车辆保险合同的纠纷频发。本案原告陈某在被告某保险公司处购买盗抢险,在车辆丢失后,原被告就是否应当承担约定的赔付责任及赔付金额多少的问题发生争议。其涉及的法律争议焦点有四：一是本案格式合同中的争议免责条款是否属于霸王条款；二是本案保险合同是否已生效；三是本案保险期间与保险责任期间的起始是否应一致；四是本案赔偿数额以保险金额还是保险价值为准。笔者将法律争议焦点与保险法理论结合,进行案件法律评析。本案特别约定的保险责任期间条款是霸王条款。保险合同是格式合同,格式合同中的免责条款范围应以实质内容进行界定。法律从程序、内容和解释上对免责条款的效力进行制约以保护投保人或被保险人的利益。法理可以补充法律的不足,从契约自由、公平、最大诚信原则的角度进行判断,杜绝霸王条款的出现。本案保险合同已成立并生效。保险合同有一般和特殊生效要件,同时具有区别于普通民商事合同的特殊之处,如保险利益、可保性、保险人的提示与明确说明等。本案保险合同的保险期间与保险责任期间的起始一致。保险合同生效、保险期间、保险责任期间是不同的法律概念,其涵义不同,时间段也可不重合。当事人对保险期间与保险责任期间的理解有争议的,应采不利解释。本案赔偿数额以保险价值为准。损失补偿是有限度的,被保险人获得的赔偿数额受到保险利益、实际损失及保险合同中约定的保险金额的限制。基于公平原则,被保险人存在过错,保险人可适度减少赔偿责任。
[Abstract]:With the continuous growth of motor vehicles and the rapid development of insurance industry, disputes about motor vehicle insurance contracts occur frequently.In this case, the plaintiff Chen bought theft in a defendant insurance company. After the loss of the vehicle, the original defendant disputed whether or not he should assume the agreed liability for compensation and how much to pay.The focus of the legal disputes involved is four: first, whether the disclaimer clause in the format contract of this case belongs to the overlord clause; second, whether the insurance contract in this case has come into effect; third, whether the period of insurance in this case should be consistent with the beginning of the period of insurance liability;Fourth, the amount of compensation in this case to the amount of insurance or the value of insurance.The author combines the focus of legal dispute with the theory of insurance law and evaluates the case law.The term of insurance specified in this case is the overlord clause.Insurance contract is a form contract, the scope of exemption clause in the format contract should be defined by substance.The law restricts the effectiveness of exemption clauses in procedure, content and interpretation to protect the interests of the insured or insured.Legal theory can supplement the deficiency of law, judge from the principle of freedom of contract, fairness, maximum good faith, and put an end to the appearance of overlord clause.The insurance contract in this case has been established and effective.The insurance contract has the general and special effective requirements, and it has some special points which are different from the ordinary civil and commercial contract, such as insurable interest, insurability, prompt and clear explanation of the insurer and so on.The insurance period of the insurance contract in this case coincides with the beginning of the insurance liability period.Insurance contract is effective, insurance period, insurance liability period is different legal concept, its meaning is different, time period may not overlap.If the parties dispute their understanding of the insurance period and the insurance liability period, they shall adopt an unfavorable interpretation.The amount of compensation in this case shall be based on the insured value.Loss compensation is limited, and the amount of compensation received by the insured is limited by insurance benefits, actual losses and the amount of insurance agreed in the insurance contract.Based on the principle of fairness, the insured has fault, and the insurer can reduce its liability moderately.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.284
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本文编号：1772389