“空白期”保险事故发生后的责任承担——兼论新《保险法》关于保险合同成立、生效的规定及其法律完善

The Responsibility in the Blanking Period after Insured Peril Occurred

关于"空白期"保险事故发生后的责任承担,以及与此紧密相关的保险合同的成立、生效问题,立法和司法实践历来歧义丛生,学说也众说纷纭。通过现状分析及对日、英两国立法及司法实践的借鉴,本文认为,在目前以《合同法》与《保险法》为主所构成的法律框架中,这一问题是可解的。但司法实践应该统一对这一问题的认识,这可以通过司法解释的途径解决;监管当局应该加强对保险合同中相关条款的审查,以加强对保险消费者权益的保护;保险行业的业务流程应更为规范。多管齐下,才能很好的平衡"空白期"保险事故发生后相关当事人之间的利益。

There are lots of problems in the area of obligation distribution after the insured accident taken place in ＂blank period＂, and the formation and effect of insurance contract. We conclude that we can find solution in the present law system which mainly consists of Contract Law and Insurance Law, on the base of analysis of present regulation and reference of legislation and justice practice in Japan and England. Coming back to China, we should reach a common understanding on this problem through judicial interpretation; Supervision bureau should strengthen the check on related articles in insurance contracts, in order to strengthen the protection for insurance consumer; and business procedure in insurance line should be more normadized. Only by taking these measures simultaneously, the related parties＇ interest can be balanced well.