宠物责任险在城市宠物管理中的价值与运用

Value and Application of Pet Liability Insurance in City Pet Management

随着宠物行业的发展,宠物伤人事件呈现数量多、影响大、受害人索赔难等特点,单靠主管部门行政力量处置此类问题成本过大且收效甚微。孕育自市场经济的责任保险,具有转移风险、保障权益的作用,将其运用于宠物和流浪动物伤人事件的管理活动之中,能有效防范和化解侵权纠纷。根据境内外宠物责任险的实践经验并结合我国实际情况,通过采取“明确地位”“严格登记”“财政支持”“分级保险”“加强宣传”“简化报警流程”“完善信息识别技术”等具体措施,有利于体现宠物责任险效能,助力城市宠物管理工作。

With the development of the pet business,injuries caused by pets have increased in a large number,impact has become greater and victims’claims for compensation have become difficult.It gets too costly and ineffective to depend mainly on the administrative power of the competent department to deal with such problems.Liability insurance originating from the market economy can transfer such risks and protect victims'rights and interests.Applying it to the management of injuries by pets and caused stray animals can effectively prevent and resolve infringement and disputes.According to the practical experience of pet liability insurance at home and abroad and in combination with the actual situation in China,specific measures such as"clarifying the status","strict registration","financial support","graded insurance","strengthening publicity","simplifying the alarm process"and"improving information identification technology"are conducive to demonstrating the effectiveness of pet liability insurance and helping urban pet management.