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军人“无证驾驶”与保险赔付

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摘要 军人仅持有军队驾驶证驾驶民用车辆发生交通事故引发的保险纠纷,一直以来是我国保险实务中的难题。围绕着保险公司应否理赔,一种观点认为军队驾驶证不是公安部明确认可的驾驶证,持该驾驶证驾驶民用车辆就是无证驾驶,保险公司不应为无证驾驶行为买单;另一种观点则认为既然军人拥有军队驾驶证,就拥有驾驶技术,应视为有证驾驶,因此保险公司应当理赔。面对两种截然不同的观点,本文以为还应从影响保险理赔的保险风险入手加以分析和梳理,从而确认是否应当予以赔付。 The insurance dispute caused by the traffic accident, in which soldier drivers with only military driving license drive civil vehicles has been a difficult problem in insurance practice. It is unclear whether the insurance company should cover the cost. Some people believe that the military driving li- cense is not a legally authorized driving license of the Ministry of Public Security. Driving the civil vehi- cle with a military driving license equals to driving without license, therefore, insurance company should not cover the cost; Some other people believe that now that the soldier has a military license, he has the ability to drive, so the insurance company should cover the cost. In the face of the different understand- ing, this paper argues that it should also be analyzed and combed from the insurance risk affecting insur- ance claims.
作者 解立超
出处 《保险职业学院学报》 2017年第5期79-82,共4页 Journal of Insurance Professional College
关键词 军队驾驶证 无证驾驶 保险风险 保险理赔 Military driving license Driving without license Insurance risk Insurance claims
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