试析机动车辆超额保险退费问题——以《保险法》第五十五条第三款为核心展开

On the Issue of Excess Automobile Insurance's Return Premium——Based on the 3rd Section of Article 55 of INSURANCE LAW OF THE PEOPLE'S REPUBLIC OF CHINA

本文就09年《保险法》第55条第3款中所规定的超额保险退费问题进行了全面的分析。文章论及了超额保险问题及其存在范围,指出承保与保险事故发生之间存在时间差、普通机动车辆价值的不断减少、保险人对此问题未予以重视是形成超额保险退费问题的关键原因。对机动车辆保险中的不同险种进行分析后,明确主要是车辆损失险与全车盗抢险涉及退费问题。随即,梳理了投保人对超额保险退费问题理解上存在的误区,明确了机动车辆保险性质上应属于不定值保险,并就保险人对承保车辆部分损失进行赔付存在的困难进行了分析。文章最后在投保方提出退费的情形以及关键性的前提进行了论述后,提出了应对超额保险退费问题的思路。

This article comprehensively analyzes the issue of excess automobile insurance＇s return premium which is ruled by the new insurance law of the PRC.It mentions the excess automobile insurance＇s return premium and its scope,therefore,the time difference between the underwrite and the occurrence of insured events,the deckning of the value of normal vehicle,and the little attention paid by the insurance company are the key reasons.Further,it discusses those automobile insurances,defines there are two kinds of automobile insurance which are related to excess insurance＇s return premium.It clears out the misunderstandings with excess automobile insurance＇s return premium and declares automobile insurance belongs to unvalued insurance.At the same time,it studies the difficulties which insurance companies meet when they are trying to deal with the settlement of claims which are induced by partial loss of insured vehicle.At the last part of this paper,the author analyzes some kinds of situation when the insurance applicant raises return premium and gives the way to resolve excess insurance＇s return premium after discussing some key premises.