论机动车商业三者险中连带责任的承担问题

发布时间：2018-01-30 06:47

本文关键词： 第三者责任保险共同侵权责任连带责任　出处：《上海交通大学》2014年硕士论文　论文类型：学位论文

【摘要】：在投保人与他人行为共同造成第三者伤害的情况下，投保人与他人是否承担共同侵权责任？如果确定为共同侵权行为，投保人与其他肇事者承担连带责任的情况下，，保险公司是在投保人应当承担的责任比例范围内承担赔付责任，还是应当在第三者责任保险的最高限额内，对投保人的责任份额以及对其应当承担的连带责任？我国《保险法》和《机动车商业保险行业条款》等相关法律无明确规定，司法实务界尚未形成统一的处理意见，学说理论亦有分歧。有鉴于此，本文以该问题为研究对象，就机动车商业三者险中连带责任的承担问题提出了一些自己肤浅的看法。本文由如下四个部分构成：第一章“典型案例”主要介绍了甄选案例案情并提出了争议焦点。第二章“共同侵权责任之认定”，根据《侵权责任法》与最高人民法院关于《人身损害赔偿司法解释》关于共同侵权责任认定标准不一问题进行分析的同时，探讨了认定共同侵权行为的问题。第三章“三责险中连带责任问题”，整理三者险的性质、赔偿依据、赔偿范围等问题，分析比较连带责任肯定说与连带责任否定说等相关学说理论，第四章“连带责任承担的正当性”，从合同条款的解释论和比较法的角度，论证了商业三责险承保连带责任的合法性与合理性。
[Abstract]:In the case that the policyholder and others act together to cause third party injury, is the policyholder and others jointly liable for infringement? If determined as joint tort, the insured and other perpetrators bear joint liability, the insurance company is in the policy holder should bear the liability within the scope of liability. Or should be in the third party liability insurance of the maximum limit, the share of liability to the policyholder and the joint and several liability it should bear? China's Insurance Law and the motor vehicle commercial insurance industry provisions and other related laws are not clear provisions, judicial practice has not yet formed a unified opinion, there are differences in theory and theory. Taking this problem as the research object, this paper puts forward some superficial views on the joint and several liability in motor vehicle commercial insurance. This paper is composed of the following four parts: The first chapter "typical cases" mainly introduces the selection cases and puts forward the focus of the dispute. Chapter two, "Joint tort liability determination". According to the "Tort liability Law" and the Supreme people's Court on the judicial interpretation of "personal injury compensation" on joint tort liability for different standards of analysis at the same time. The third chapter "Joint liability in three liability insurance", collate the nature of the three risks, compensation basis, compensation scope and other issues. This paper analyzes and compares the theory of affirmation of joint and several liability and the theory of negation of joint liability, chapter 4th, "legitimacy of joint and several liability", from the angle of interpretation of contract terms and comparative law. It demonstrates the legitimacy and rationality of joint and several liability insured by commercial triple liability.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.14;D923

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