论海上保险人的赔偿责任

发布时间：2018-03-07 10:04

本文选题：保险利益原则　切入点：最大诚信原则　出处：《大连海事大学》2005年硕士论文　论文类型：学位论文

【摘要】：保险赔偿责任是指在财产保险中被保险人与保险人签订保险合同,将特定的风险转由保险人承担。当保险标的发生了承保责任范围内的损失时,保险人应当按照保险合同条款的规定履行全部赔偿责任。保险的基本原则和制度(即保险利益原则、最大诚信原则、近因原则、委付、代位求偿制度)是保险法特别是海上保险法中极其重要的方面,其关系到保险合同的有效与否,以及保险事故发生后诸多赔偿方面的问题,因此在实务中经常成为当事人争议的焦点。然而我国《保险法》及《海商法》对此仅做了原则性规定,并不详尽,在实务中经常引起纠纷。在海上保险中,保险利益的存在是投保人或被保险人获得保险赔偿的必要前提。海上保险合同是建立在最大诚信基础上的。对保险标的损害结果与承保危险之间要以“近因原则”为基础。发生保险事故后,在一定条件下,可以进行委付。涉及第三方责任的,保险人赔偿后,应行使代位求偿权。本文试图结合我国保险实务和英国《1906年海上保险法》及其他国家的海上保险法律的规定,结合保险的基本原则和制度,对海上保险人判定一起海上事故是否属于海上保险的赔偿责任,何时赔偿,如何赔偿,以及赔偿中应注意的问题进行了初步分析和探讨,以期对海上保险事业献以微薄之力。
[Abstract]:Liability for insurance compensation refers to the insurance contract signed between the insured and the insurer in the property insurance. The risk is transferred to the insurer. When a loss within the scope of coverage occurs on the subject matter insured, the insurer shall. To fulfill all liability in accordance with the terms of the insurance contract. Basic principles and systems of insurance. The principle of benefit, the principle of utmost good faith, the principle of proximate cause, the principle of abandonment, the system of subrogation) is the law of insurance, especially at sea. An extremely important aspect of insurance law that concerns the validity of an insurance contract and the occurrence of an insurance accident. Many compensation problems, so in practice often become the focus of dispute between the parties. The insurance law and the Maritime Law only provide for this in principle, not in detail, and often cause disputes in practice. In marine insurance, the existence of insurance benefits is the necessary premise for the insured or the insured to obtain insurance compensation. A contract of marine insurance is based on maximum good faith. Between the result of damage to the subject-matter insured and the risk of insurance. To be based on the "principle of proximate cause". After an insurance accident, under certain conditions, can be surrendered. And third party liability, after the insurer compensates, should exercise the subrogation right. This article attempts to combine our country insurance actual. In conjunction with the provisions of the British marine insurance law of 1906 and the marine insurance laws of other countries. The basic principles and systems of marine insurance, the liability of marine insurers to judge whether an accident at sea belongs to marine insurance. This paper makes a preliminary analysis and discussion on the compensation, when and how to compensate, as well as the problems that should be paid attention to in the compensation. To make a modest contribution to the marine insurance industry.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2005
【分类号】：D922.294;D922.284

【引证文献】