被保险人施救义务比较研究

在人寿保险以外的其他类型保险中,被保险人应在事故发生后承担施救义务。被保险人应主动履行施救义务,如果保险人就如何施救给出指示,被保险人应遵照执行。被保险人履行施救义务时发生的必要、合理费用,保险人应予以补偿,但补偿金额原则上不应超过保险金额。如果被保险人违反施救义务,保险人对由此发生或者扩大的损失不负赔付责任。

Comparative Study On The Insured’s Duty Of Preventing Or Mitigating Losses

In all kinds of insurance except life insurance,the insured shall have an obligation to prevent or mitigate losses after an insured risk occurs.The insured should take the initiative to perform this obligation,and should obey the instructions of the insurer.All the necessary and reasonable costs paid by the insured to prevent or mitigate the losses shall be covered by the insurer.If the insured fails to perform the obligation,and as a result,the losses occur or enlarge,the insurer does not bear the liability for indemnity.