摘要
网约车作为分享经济在出行领域内的产物,有着经济、便捷的特点。当前,网约车的合法地位已经确立,网约车保险制度却并未健全。网约车大多数依然采取私家车保险模式,虽然有网约车平台统一投保、先行赔付等风险保障模式,但对司机和乘客来说依然有很大的保险理赔风险。分析目前中国网约车保险模式及其存在的问题,并对网约车保险模式发展方向提出建议。
Internet chauffeured car is produced for sharing economy with the characteristic of economical and convenient. Nowadays , the legal status of internet chauffeured car has already been confirmed, but the corresponding insurance system of internet chauffeured car is unsatisfying . Most of internet chauffeured car is still equipped with the insurance pattern of private cars . Though there is the uniformed insurance and compensation in advance in the internet chauffeured car platform , it still has a great risk of insurance claims for drivers and passengers . In the paper , insurance model and existing problems of Chinese pattern is mainly analyzed . Moreover , some suggestion on developing insurance model of internet chauffeured car is proposed.
出处
《淮海工学院学报（人文社会科学版）》
2017年第5期21-24,共4页
Journal of Huaihai Institute of Technology(Humanities & Social Sciences Edition)
关键词
网约车
保险模式
分享经济
internet chauffeured car
insurance model
sharing economy
