責(zé)任保險(xiǎn)中保險(xiǎn)人的參與權(quán)研究
發(fā)布時(shí)間：2019-01-06 19:35
【摘要】：我國(guó)臺(tái)灣地區(qū)“保險(xiǎn)法”第93條規(guī)定：“保險(xiǎn)人得約定被保險(xiǎn)人對(duì)于第三人就其責(zé)任所為之承認(rèn)、和解或賠償，未經(jīng)其參與者，不受拘束。但經(jīng)要保人或被保險(xiǎn)人通知保險(xiǎn)人參與而無(wú)正當(dāng)理由拒絕或借故遲延者，不在此限”。該條款規(guī)定了責(zé)任保險(xiǎn)中保險(xiǎn)人的參與權(quán)，因而在臺(tái)灣地區(qū)保險(xiǎn)實(shí)務(wù)中，責(zé)任保險(xiǎn)人行使參與權(quán)有法可依，能夠更好地維持保險(xiǎn)人、被保險(xiǎn)人以及受害第三者三者之間的利益平衡，從而更好地促進(jìn)保險(xiǎn)事業(yè)的發(fā)展。目前我國(guó)《保險(xiǎn)法》沒有參與權(quán)的規(guī)定，責(zé)任保險(xiǎn)人參與權(quán)只約定在相關(guān)保險(xiǎn)公司的責(zé)任保險(xiǎn)條款之中。 本文主要采用比較研究及價(jià)值分析等研究方法。第一部分主要闡明了責(zé)任保險(xiǎn)人參與權(quán)的概念、性質(zhì)以及功能。責(zé)任保險(xiǎn)是指被保險(xiǎn)人依法應(yīng)向受害第三者負(fù)賠償責(zé)任時(shí)，經(jīng)受害第三者請(qǐng)求，保險(xiǎn)人依照保險(xiǎn)合同向受害第三者承擔(dān)賠償責(zé)任的保險(xiǎn)。對(duì)于參與權(quán)的性質(zhì)，學(xué)界有兩種觀點(diǎn)，一種認(rèn)為參與權(quán)是保險(xiǎn)人的權(quán)利，另一種認(rèn)為參與權(quán)是保險(xiǎn)人必須履行的義務(wù)。本文對(duì)這兩種觀點(diǎn)進(jìn)行了深入分析，通過(guò)上述內(nèi)容的分析，使我們更加深入地了解了責(zé)任保險(xiǎn)人參與權(quán)的內(nèi)涵。 第二部分分析了責(zé)任保險(xiǎn)人參與權(quán)的行使問題，主要包括保險(xiǎn)人行使參與權(quán)的理論前提與后果承擔(dān)、未行使參與權(quán)的后果承擔(dān)、行使參與權(quán)的注意義務(wù)以及參與權(quán)行使不當(dāng)造成的損害賠償責(zé)任。我國(guó)《保險(xiǎn)法》規(guī)定保險(xiǎn)人于受害第三者請(qǐng)求損害賠償時(shí)，尚未產(chǎn)生保險(xiǎn)責(zé)任，只有等到被保險(xiǎn)人已對(duì)受害第三者履行其賠償責(zé)任時(shí)，保險(xiǎn)責(zé)任才算產(chǎn)生。我們認(rèn)為，被保險(xiǎn)人確實(shí)因過(guò)失行為致使受害第三者遭受損失，同時(shí)，受害第三者向被保險(xiǎn)人行使損害賠償請(qǐng)求權(quán)，當(dāng)兩個(gè)條件同時(shí)符合時(shí)，保險(xiǎn)責(zé)任才算真正產(chǎn)生，保險(xiǎn)人才可以行使參與權(quán)。保險(xiǎn)人參與權(quán)的行使分為參與和不參與，而其中參與也包括兩種，即行使參與權(quán)并同意和解或賠償協(xié)議與行使參與權(quán)但不同意和解或賠償協(xié)議。未行使參與權(quán)同樣包括兩類，分為被通知而未參與以及未被通知而未參與。通過(guò)對(duì)以上幾種情形的分析，使我們能夠更加理解責(zé)任保險(xiǎn)人參與權(quán)的行使過(guò)程以及相關(guān)注意問題。既然責(zé)任保險(xiǎn)人積極行使參與權(quán)，，那么，必然會(huì)有參與權(quán)行使不當(dāng)以及造成損害賠償責(zé)任發(fā)生的可能性，此時(shí)該如何處置呢？所以，本文也詳細(xì)論述了責(zé)任保險(xiǎn)人在行使參與權(quán)過(guò)程中的注意義務(wù)與參與權(quán)行使不當(dāng)而應(yīng)當(dāng)承擔(dān)的損害賠償責(zé)任。 第三部分主要分析了責(zé)任保險(xiǎn)人參與權(quán)在我國(guó)《保險(xiǎn)法》上的完善建議，希望本文能對(duì)我國(guó)保險(xiǎn)立法的完善與保險(xiǎn)實(shí)務(wù)的發(fā)展有所幫助。相關(guān)建議如下：一，新增責(zé)任保險(xiǎn)人享有參與權(quán)的規(guī)定；二，確立被保險(xiǎn)人的及時(shí)通知義務(wù)；三，新增關(guān)于責(zé)任保險(xiǎn)人行使參與權(quán)的例外規(guī)定；四，新增關(guān)于責(zé)任保險(xiǎn)人行使參與權(quán)時(shí)持反對(duì)意見時(shí)的規(guī)定。
[Abstract]:Article 93 of "Insurance Law" of Taiwan region of China stipulates: "the insurer may agree that the insured shall not be bound to acknowledge, reconcile or compensate for the liability of the third party without its participants." Unless the applicant or the insured notifies the insurer of its participation and refuses or delays without reasonable reason. " This clause stipulates the participation right of the insurer in the liability insurance, so in the insurance practice in Taiwan, the liability insurer exercises the right to participate in accordance with the law and can better maintain the insurer. The balance of interests between insured and third-party victims, thus promoting the development of insurance business. At present, there is no right to participate in the Insurance Law of our country, and the participation right of the liability insurer is only stipulated in the liability insurance clause of the relevant insurance company. This article mainly adopts the comparative research and the value analysis and so on research method. The first part mainly expounds the concept, nature and function of the participation right of the liability insurer. Liability insurance is the insurance that the insured should bear the compensation liability to the injured third party according to the insurance contract when the insured should bear the compensation liability to the injured third party according to the insurance contract. There are two views on the nature of the right of participation, one is that the right of participation is the right of the insurer, the other is that the right of participation is the obligation that the insurer must perform. Through the above analysis, we can get a deeper understanding of the connotation of the participation right of the liability insurer. The second part analyzes the exercise of the participation right of the liability insurer, mainly including the theoretical premise and consequences of the insurer to exercise the participation right, and the consequences of the non-exercise of the participation right. The duty of care to exercise the right of participation and the liability for damages caused by improper exercise of the right of participation. The Insurance Law of our country stipulates that the insurer does not have the insurance liability when the injured third party claims for damages, but only when the insured has fulfilled its liability to the injured third party, can the insurance liability be counted as coming into being. In our opinion, the insured does suffer losses to the third party as a result of negligent conduct. At the same time, the injured third party exercises the right to claim damages against the insured. When the two conditions are met simultaneously, the liability of insurance is considered to be truly incurred. Insurance talent can exercise the right to participate. The exercise of the insurer's right to participate can be divided into participation and non-participation, in which participation also includes two types, namely, exercising the right to participate and agreeing to an agreement of reconciliation or compensation, and exercising the right of participation, but not agreeing to an agreement of settlement or compensation. The right not to exercise participation also includes two categories, being notified and not participating and not being notified and not participating. Through the analysis of the above situations, we can understand the exercise process of the participation right of the liability insurer and the relevant problems. Since the liability insurer actively exercises the right of participation, there must be improper exercise of the right of participation and the possibility of the occurrence of liability for damages. How to deal with it at this time? Therefore, this paper also discusses the liability insurer in the process of exercising the right to participate in the exercise of the duty of care and the exercise of the right to participate in the improper exercise of damage liability. The third part mainly analyzes the suggestion of the participation right of the liability insurer in the Insurance Law of our country, and hopes that this article can be helpful to the improvement of the insurance legislation and the development of the insurance practice in our country. The related suggestions are as follows: first, the new liability insurer has the right to participate; second, establish the timely notification obligation of the insured; third, add the exception about the liability insurer to exercise the participation right; Fourth, the new provisions on the liability insurer to exercise the right to participate in opposition.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D922.284
本文編號(hào)：2403237
[Abstract]:Article 93 of "Insurance Law" of Taiwan region of China stipulates: "the insurer may agree that the insured shall not be bound to acknowledge, reconcile or compensate for the liability of the third party without its participants." Unless the applicant or the insured notifies the insurer of its participation and refuses or delays without reasonable reason. " This clause stipulates the participation right of the insurer in the liability insurance, so in the insurance practice in Taiwan, the liability insurer exercises the right to participate in accordance with the law and can better maintain the insurer. The balance of interests between insured and third-party victims, thus promoting the development of insurance business. At present, there is no right to participate in the Insurance Law of our country, and the participation right of the liability insurer is only stipulated in the liability insurance clause of the relevant insurance company. This article mainly adopts the comparative research and the value analysis and so on research method. The first part mainly expounds the concept, nature and function of the participation right of the liability insurer. Liability insurance is the insurance that the insured should bear the compensation liability to the injured third party according to the insurance contract when the insured should bear the compensation liability to the injured third party according to the insurance contract. There are two views on the nature of the right of participation, one is that the right of participation is the right of the insurer, the other is that the right of participation is the obligation that the insurer must perform. Through the above analysis, we can get a deeper understanding of the connotation of the participation right of the liability insurer. The second part analyzes the exercise of the participation right of the liability insurer, mainly including the theoretical premise and consequences of the insurer to exercise the participation right, and the consequences of the non-exercise of the participation right. The duty of care to exercise the right of participation and the liability for damages caused by improper exercise of the right of participation. The Insurance Law of our country stipulates that the insurer does not have the insurance liability when the injured third party claims for damages, but only when the insured has fulfilled its liability to the injured third party, can the insurance liability be counted as coming into being. In our opinion, the insured does suffer losses to the third party as a result of negligent conduct. At the same time, the injured third party exercises the right to claim damages against the insured. When the two conditions are met simultaneously, the liability of insurance is considered to be truly incurred. Insurance talent can exercise the right to participate. The exercise of the insurer's right to participate can be divided into participation and non-participation, in which participation also includes two types, namely, exercising the right to participate and agreeing to an agreement of reconciliation or compensation, and exercising the right of participation, but not agreeing to an agreement of settlement or compensation. The right not to exercise participation also includes two categories, being notified and not participating and not being notified and not participating. Through the analysis of the above situations, we can understand the exercise process of the participation right of the liability insurer and the relevant problems. Since the liability insurer actively exercises the right of participation, there must be improper exercise of the right of participation and the possibility of the occurrence of liability for damages. How to deal with it at this time? Therefore, this paper also discusses the liability insurer in the process of exercising the right to participate in the exercise of the duty of care and the exercise of the right to participate in the improper exercise of damage liability. The third part mainly analyzes the suggestion of the participation right of the liability insurer in the Insurance Law of our country, and hopes that this article can be helpful to the improvement of the insurance legislation and the development of the insurance practice in our country. The related suggestions are as follows: first, the new liability insurer has the right to participate; second, establish the timely notification obligation of the insured; third, add the exception about the liability insurer to exercise the participation right; Fourth, the new provisions on the liability insurer to exercise the right to participate in opposition.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D922.284
【參考文獻(xiàn)】
相關(guān)期刊論文 前8條
1 陳飛;;論我國(guó)責(zé)任保險(xiǎn)立法的完善——以新《保險(xiǎn)法》第65條為中心[J];法律科學(xué)(西北政法大學(xué)學(xué)報(bào));2011年05期
2 陳靜;;責(zé)任保險(xiǎn)人的抗辯義務(wù)初探[J];西部法學(xué)評(píng)論;2008年03期
3 陳家宏;;責(zé)任保險(xiǎn)中保險(xiǎn)人對(duì)連帶責(zé)任外部份額的賠償義務(wù)[J];研究生法學(xué);2013年04期
4 李娟娟;;論責(zé)任保險(xiǎn)的第三人性[J];黑龍江省政法管理干部學(xué)院學(xué)報(bào);2011年01期
5 蘇同江;高偉;;責(zé)任保險(xiǎn)下第三者請(qǐng)求權(quán)與保險(xiǎn)人抗辯權(quán)的探討[J];青島遠(yuǎn)洋船員學(xué)院學(xué)報(bào);2011年02期
6 張俊巖;;責(zé)任保險(xiǎn)中保險(xiǎn)人的參與權(quán)研究[J];廣東商學(xué)院學(xué)報(bào);2006年05期
7 陳玉玲,李國(guó)煒;論醫(yī)療責(zé)任保險(xiǎn)合同應(yīng)當(dāng)約定保險(xiǎn)人的抗辯義務(wù)[J];醫(yī)學(xué)與社會(huì);2003年06期
8 董惠江;徐廣海;;責(zé)任保險(xiǎn)人參與賠償模式的路徑選擇[J];學(xué)術(shù)交流;2013年01期
本文編號(hào)：2403237
本文鏈接：http://www.sikaile.net/falvlunwen/jingjifalunwen/2403237.html
最近更新
教材專著
