车辆借用责任保险合同纠纷中的合同相对性问题

Analysis of the Privity of Contract in the Contract Dispute about the Liability Insurance Caused by the Vehicle Loan

合同相对性是合同制度的基石。在车辆借用引发的责任保险合同纠纷中,对于投保人和保险人之间的仲裁协议应坚持合同的相对性,其效力不能延及于车辆借用人,而保险车辆借用人尽管不是投保人,但是有资格突破合同相对性而成为原告。

The privity of contract is conerstone of the contract system. The arbitral agreement between the applicant and the insurer should abide the privity of contract in the contract dispute about the liability insurance caused by the vehicle loan,the effect can＇t be extended to the vehicular borrower. The vehicular borrower is not the applicant,but he＇s qualified to become the plaintiff after making a breakthrough of the privity of contract.