互联网保险明确说明义务问题研究——基于司法判例争议的分析

发布时间：2018-06-14 11:58

本文选题：互联网保险 + 保险代理人　；参考：《保险研究》2017年08期

【摘要】：在互联网保险交易中,保险代理人代为激活行为的性质、实际操作人身份举证责任的分配和明确说明义务的履行方式,分别关系到明确说明义务是否实际履行、说明对象的认定和效力等问题。对此,新近立法或未对这些争议做出针对性回应,或与原先的法律规范相互冲突。司法裁判也始终存在不同的观点,进而产生了同案不同判的现象。互联网保险的投保方式不同于传统保险合同,不能仅以投保人是否对保险代理人的行为知晓和能否控制保险代理人的行为作为判断标准,而应以互联网保险中投保人的现实地位为基础,通过举证责任的分配来确定说明义务的实际履行,并确定互联网保险中明确说明义务的履行方式以实现其功能。
[Abstract]:In the Internet insurance transaction, the nature of the insurance agent acting as the activator, the distribution of the burden of proof of the identity of the actual operator and the way in which the obligation is clearly stated are related to whether the obligation is actually fulfilled or not. Explain the identification and effectiveness of the object and other issues. In response, new legislation either fails to respond specifically to these disputes or conflicts with previous legal norms. Judicial judgment has always had different points of view, and then produced the phenomenon of different judgments in the same case. Internet insurance is different from the traditional insurance contract. It can not be judged by whether the insured knows or controls the behavior of the insurance agent. On the basis of the actual status of the insured in Internet insurance, the actual performance of the obligation of explanation should be determined through the distribution of the burden of proof, and the way of fulfilling the obligation of explanation should be determined in order to realize its function in Internet insurance.
【作者单位】：上海交通大学;
【基金】：国家社科基金重点项目“我国机动车三责险改革问题研究”(项目编号:14AFX019)的阶段性成果
【分类号】：D922.284

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