我国海上责任保险的立法完善研究

Research on improving legislature of our country's maritime liability insurance

我国现行海上责任保险立法过于简略,不仅存在诸多争议,操作性也不强,因而有进一步完善的必要。在立法完善的模式选择上,涉及到责任保险一般性的规定应该在《保险法》中明确,而关于海上责任保险的特殊部分应在《海商法》中予以规范。在保赔保险方面,应按照《保险法》的规定采取单独立法的方式来赋予保赔协会以保险组织的地位和资格,同时还应修改《海商法》,将保赔保险纳入海上保险合同的规定之中。

The present maritime liability insurance law of our country is too simplistic, which is not very operative and sometimes cause dispute easily. Improvement is therefore necessary. In choosing models for improving the legislature, the general regulation concerning liability insurance should be made in Insurance Law while the special parts concerning maritime liability insurance should be stipulated in the Maritime Trade Law. As to indemnity insur- ance, independent legislature should be made according to Insurance Law so as to ensure the Indemnity Insurance Association the position and quality of an insurance organization and at the same time, indemnity insurance should be included among the maritime insurance contract clauses.