论海上保险业务中的委付及其法律效力

Study on Abandonment in Marine Insurance Business and Its Legal Force

在海上保险理赔业务中,如果保险标的遭受的损失被认定为推定全损,那么,保险人就要按保险合同的规定,向被保险人支付保单项下确定的全部赔付金。被保险人获得全额赔偿后,可以将受损标的委付给保险人。保险人如何处理被保险人提出的委付要求?这应从委付的概念入手,分析委付与推定全损的关系,论述保险人与被保险人对待委付的不同态度,并运用我国《海商法》的有关条款和英国相关海上法规,探讨委付的法律效力与效用等问题。

In the claim business of marine insurance, if the loss of subject matter of insurance is regarded as the constructive total loss, the insurer pays the full value of the indemnity. The insured can abandon the damaged subject matter of insurance to the insurer who can make a choice favorable to him between acceptance and refusal. Starting from the concept of the abandonment, using the Maritime Law and Marine Insurance Act 1906, the essay will analyze the relationship between the abandonment and the constructive total loss , discuss the different attitude between the insurer and insured, and explore some issues of the legal effect about the abandonment.