网约车乘客交通事故保险理赔问题研究

发布时间：2018-05-28 06:25

本文选题：网约车 + 保险理赔　；参考：《西南石油大学》2017年硕士论文

【摘要】：2016年7月27日,我国交通运输部、工业和信息化部、公安部、商务部、工商总局、质检总局、国家网信办等七部委以2016年第60号政令的形式出台了《网络预约出租汽车经营服务管理暂行办法》。该办法在一定程度上规范了网约车的日常运营,为网约车交通事故的受损乘客提供了初步的维权、求偿的法律依据。但是,我国网约车结构、类型复杂,性质、风险不同,当保险事故发生后,保险公司往往拒绝理赔,网约车一方要么拒不承认网约车从事运营,要么自认倒霉。网约车的保险困境使网约车车主和乘客均处于不利地位,此问题亟待解决。文章将传统车险和网约车相结合,在网约车一方为事故负全责或大部分责任为大前提的情况下,以国内最大的网约车平台"滴滴出行"为例,详细展开对网约车受损乘客保险理赔问题的探究。本文第一部分为绪论,第二部分介绍了我国机动车保险,从宏观角度对我国机动车保险进行了简要分析,列举了机动车保险的主要险种;同时也对网约车保险及传统巡游出租车保险进行了对比分析;第三部分主要对我国目前网约车保险理赔的现状进行了介绍,同时阐述了网约车保险理赔实务中存在的主要问题,包括:网约车平台单程投保不规范、受损乘客的直接请求权无明确法律依据以及道路交通事故社会救助基金追偿对象不明确。第四部分主要对美国网约车保险政策、措施进行介绍、分析,在此基础上总结出可供我国借鉴的先进经验;第五部分是针对文中指出的问题提出完善建议,包括:通过完善网约车驾驶员证申请条件的方式规范平台投保行为、赋予网约车受损乘客直接请求权、与道路交通事故社会救助基金建立合作关系,以及其他具有实践意义的解决方案,包括:为约车频率较高的乘客提供短期交通工具意外险、网约车平台对乘客进行实名制管理。
[Abstract]:On July 27, 2016, the Ministry of Transport, the Ministry of Industry and Information Technology, the Ministry of Public Security, the Ministry of Commerce, the General Administration of Industry and Commerce, the General Administration of quality Supervision and Inspection, In the form of decree No. 60 of 2016, seven ministries and commissions, including the State Network Information Office, have issued the interim measures for the Administration of online booking Taxi Service. To a certain extent, this method standardizes the daily operation of the net car, and provides a preliminary legal basis for the protection of the rights of the injured passengers in the traffic accident of the network and the legal basis for the claim. However, the structure, type, nature and risk are different. When the insurance accident occurs, the insurance company often refuses to settle the claim, and the owner of the net car either refuses to admit that the net car is engaged in operation, or admits that it is unlucky. Because of the insurance dilemma, both the owner and the passenger are at a disadvantage, which is an urgent problem to be solved. In this paper, the author combines the traditional vehicle insurance with the net car, and takes the DiDi, the largest domestic platform, as an example, under the premise that one of the parties to the network is fully responsible for the accident or most of the responsibility is for the accident. Detailed development of the network of damaged passenger insurance claims to explore the problem. The first part of this paper is the introduction, the second part introduces the motor vehicle insurance of our country, from the macroscopic angle, has carried on the brief analysis to our country automobile insurance, has listed the main kinds of the motor vehicle insurance; The third part mainly introduces the current situation of the net car insurance in our country, at the same time, it expounds the main problems in the practice of the net car hire insurance and claims settlement, at the same time, it also makes a comparative analysis of the net car hire insurance and the traditional tour taxi insurance. Including: net car ride platform one-way insurance is not standard, the direct claim of injured passengers has no clear legal basis and the social relief fund for road traffic accident recovery object is not clear. The fourth part mainly introduces and analyzes the policy and measures of American net car charter insurance, and sums up the advanced experience that can be used for reference by our country on this basis. The fifth part is to put forward some perfect suggestions for the problems pointed out in this paper. Including: to standardize the platform insurance behavior by perfecting the conditions for applying for the rider's license, to grant the direct claim to the injured passengers of the network, and to establish a cooperative relationship with the social relief fund for road traffic accidents. And other practical solutions, including: to provide short-term transportation accident insurance for passengers with high frequency of ride-hailing, and to manage passengers by real name on the network platform.
【学位授予单位】：西南石油大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.296;D922.284

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