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    Title: 共保條款析論
    Other Titles: Co-insurance Clause Thory
    Authors: 廖述源
    Keywords: 共保條款;最大可能損失
    Date: 2016/01/01
    Issue Date: 2016-10-12 02:12:32 (UTC+8)
    Publisher: 中華民國保險經營學會
    Abstract: 基本上,「損害填補原則」為財產保險契約應遵守之重要原則。所謂「損害填補原則」,係指於保險事故發生時,保險人依事故發生時之實際損失予以賠償,不能多賠亦不能少賠,藉以彌補被保險人所遭受之損失。惟被保險人能得到全額賠償之前提,則必須是在足額保險基礎下方可達成。然在保險實際經營過程中,囿於主、客觀條件之限制,仍有大多數要保人未能採足額投保,一旦發生損失理賠時,保險人僅能按投保比例承負部份賠償責任,無法依實際損失全額理賠,極易造成雙方當事人之理賠爭議,引起被保險人反彈與不滿,此種理賠處理方式,理論上雖是公平合理,惟實際上對於若干無需足額投保之要保人而言(諸如:保險標的不會發生全損者),則是有欠公允。基此,「共同保險條款」遂因應而生,成為最佳解決方案之一,而「80%共保條款」則屬其最典型代表。
    Relation: 共保條款析論
    Appears in Collections:[保險學系暨研究所] 專書

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