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Title: | 保險競合條款之研究--以美國法為中心 A Study on Other Insurance Clauses:Focusing on American Law |
Authors: | Chao-hsiang Tung 童兆祥 |
Advisor: | 劉宗榮 |
Keyword: | 損失填補原則,損失分攤,保險競合,複保險,多數保險, double insurance,other insurance,contribution,principle of indemnity,other insurance clauses, |
Publication Year : | 2007 |
Degree: | 碩士 |
Abstract: | 保險監理機關所頒行之示範條款,每每作為保險業擬訂保單條款之範本,其規定之良窳關係著保險事業之健全發展與當事人間之權利義務關係,不可不慎。現行住宅火災及地震基本保險條款中,就多數保險承保同一損失之情形,除我國保險法所既有之「複保險」相關規範外,另設有「其他保險」之規定。所謂「其他保險」,實係引用自美國「Other Insurance Clauses」之概念,而國內學者多以「保險競合條款」及「保險競合」指稱此理論體系,本文沿用之。因此,本文即先由美國相關文獻著手,探討保險競合之意義、保險競合條款之態樣及此等條款之功能與適用範圍。在建立相關之認識後,進而介紹美國實務上最感困擾與棘手之問題,即保險競合條款之衝突與協調,並試圖歸納出操作原則。
對於保險競合之相關理論有較為清楚之瞭解後,回頭檢視我國複保險相關規定,是否容有不足以致有引進保險競合條款之空間與必要,且基於此比較分析後之結論評釋現行之住宅火災及地震基本保險條款其規範之妥當性。實則,保險競合條款之解釋適用牽動著保險人間之責任分擔、保費計算及被保險人之保障問題,影響深遠,因此本文最後於承認既有現實之基礎上,對未來可能面臨條款衝突時,應如何解釋適用及協調系爭條款以保障被保險人,提出本文建議。 The model provisions provided by insurance supervisory authorities have always been used as samples for drafting insurance clauses and hence affect the development of insurance industry and the relationship between insurers and insureds. Taking the model provisions for residential fire and earthquake insurance policies in effect as an example, in the case of two or more policies insuring against the same loss, besides the related regulations of Double Insurance, there are provisions for Other Insurance, which is originated from the concept of Other Insurance clauses in the U.S. Therefore, referring to relating documents in the United States, this thesis will elaborate on the meaning of Other Insurance, types of Other Insurance clauses, and its function as well as application. Furthermore, this thesis will introduce some of the most confusing and intricate problem in practice and intend to provide solutions by recognizing conflicts and figuring out reconciliation. By confirming the content and boundaries of Other Insurance, we can inspect domestic regulations for double insurance to see if it is necessary and proper to introduce Other Insurance provisions. Based on such inspection and analysis, we can probe into the appropriateness of said model provisions for residential fire and earthquake insurance policies. In fact, for the interpretation and application of Other Insurance clauses influence the contribution of each insurer, actuarial determination of premiums, and the protection of the insureds, by recognizing existing facts and conditions, the thesis will provide suggestions for interpreting and reconciling conflicting Other Insurance clauses to ensure the benefits of the insureds. |
URI: | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/25521 |
Fulltext Rights: | 未授權 |
Appears in Collections: | 法律學系 |
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