摘要
任意责任保险条款的确定应当自愿、协商一致,并遵循公平原则确立各方权利和义务。我国机动车交通事故第三者责任保险中,保险公司制定的"按交通事故责任比例赔偿"条款加重了被保险人的责任,侵犯了被保险人的选择权。为保护被保险人的合法权益,发挥正确的社会价值导向,宜将被保险人承担的连带责任纳入"三责险"范畴。
The determination of arbitrary liability insurance clause should be voluntary, consensus, and follow the principle of fairness in establishing the rights and obligations of all parties concerned. In the motor ve- hicle third party liability insurance of our country, the clause of ＂compensation acc^rding to proportion of traffic accident responsibility＂ designed by the insurance company brings an increased responsibility to the insured and violate the option of the insured. To protect the legitimate rights and interests of the insured and take correct so- cial value guidance, joint and several liability undertaken by the insured should be incorporated into the category of third party liability insurance.
出处
《保险职业学院学报》
2014年第1期87-91,共5页
Journal of Insurance Professional College
关键词
连带责任
三责险
按交通事故责任比例赔偿
Joint and several liability
Third party liability insurance
Compensation according to the proportion of traffic accident responsibility
