超额保险的法律规制  

The Regulation of Over Insurance

作　　者：何睿[1] 孙宏涛[1] 

机构地区：[1]上海交通大学法学院,上海200240

出　　处：《金陵科技学院学报（社会科学版）》2006年第2期5-9,共5页Journal of Jinling Institute of Technology(Social Sciences Edition)

摘　　要：超额保险破坏了保险的根本原则———“损害补偿原则”,故为法所不许。在分析超额保险时,必须遵循“损害补偿”这一保险的基本理念,从当事人的意思表示出发,区分构成超额保险的不同原因,并对之进行不同规制,从而达到保护善意投保人,惩戒恶意投保人的目的。Over insurance breaks one fundamental principle, ＂the principle of indemnity＂. As a result, it is banned by law in every country. When analyzing over insurance, we must follow the basic concept of insurance, law, start with the declaration of will of the parties, distinguish the different reasons of over insurance and make different regulations of them. Only in this way can we protect the well-meaning policy holder and chasten the vicious policy holder.

关 键 词：超额保险 损害补偿原则 善意 恶意 规制 

分 类 号：D922.24[政治法律—经济法学]