重复保险法律问题研究

我国《保险法》对重复保险的概念仍应采用广义说,但必须明确体现保险合同的生效期间重合这个要件。没有必要将重复保险适用范围扩及至人身保险。重复保险的通知条款应包含通知的内容、时间、通知义务的例外情形及违反通知义务的法律责任等内容。对重复保险的法律效力针对投保人的主观意图进行区分。对重复保险保险金给付的上限标准应以保险价值为限更为科学。重复保险的损失分担,应采连带赔偿规则,同时应注意重复保险中“合同另有约定”条款的规定及协调。

A research on legal issues of double insurance

The definition of our country about double insurance should adopt the broadly defined concept,but it is must reflect the condition about duration of coincide of the contract of insurance being in effect clearly.It is unnecessary to expand the double insurance to the personal insurance.The notice clause of double insurance should include content,time,the exceptional obligation and the legal responsibility of violation of notice obligation.It is necessary to distinguish the legal effect which repeats the insurance to the insured subjective intention.It should be more scientific for the upper limit standard paid to repeating the insurance premium within the limit of insurance value.Those that lose share of double insurance should adopt the rule of related compensation,and should also pay attention to regulation and coordination of the clause that contract has agreement additionally in double insurance at the same time.