保险条款“不利解释”原则解读

目前,保险条款"不利解释"原则在司法实践中被广泛误读,是因为误读者的预设是错误的。要正确解读,首先要正确定义"歧义",避免与"分歧"的混淆;其次要界定歧义的不同类型,避免该原则的扩张适用;最后,在存在自然性歧义的情况下,也要探求当事人的真实合意。

The Disadvantage Interpretation Principle of insurance clause is misinterpreted widely in practices, mostly due to the fact that the reader has an erroneous supposition. To make right interpretation, we should first of all give a right definition of ＂ambiguity＂, not to mix it up with ＂difference＂. Secondly, we should correctly distinguish different types of ＂ambiguity＂. And then in existence of natural ambiguity, we must try to find the contract parties＇ truly intended meaning.