论重复保险下“另有约定”分摊条款之解决规则  

Study on the settlement rules of“otherwise agreed”contribution clauses under double insurance

作　　者：郭建勋 GUO Jian-xun(Law School,Nanjing University of Finance & Economics,Nanjing 210023,China)

机构地区：[1]南京财经大学法学院,江苏南京210023

出　　处：《中国海商法研究》2021年第4期88-99,共12页Chinese Journal of Maritime Law

基　　金：2020年度江苏高校哲学社会科学研究项目“区块链智能合约法律规范研究”(2020SJA0271)。

摘　　要：中国保险法承认保险当事人约定分摊条款之效力,但于其并未作出具体规定,致使中国理论界与实务界对分摊条款存在冲突情形之处理存在较大争议,尤其造成了法院适用该法律之困扰。通过探求各分摊条款的内涵,明确保险当事人约定此条款之真意,从而确定重复保险约定分摊条款之解决规则。同时,在贯彻损失填补原则、公平原则、对价平衡原则的基础上,以英美普通法相关规则为视角,着重论述分摊条款冲突之解决规则,以有利于重复保险分摊原则法律规定之理解与法院明晰解决分摊条款冲突之规则。China’s insurance law recognizes the effect of the contribution clauses agreed by the insurance parties,but it does not provide specific provisions,which leads to great disputes between the theoretical and practical circles in dealing with the conflict of the contribution clauses,especially causing the trouble for the court to apply the law.By exploring the connotation of the contributory clauses,we can clarify the true meaning of the insurance parties’agreement,so as to determine the resolution rules of the“otherwise agreed”contribution clauses under double insurance.At the same time,based on the principles of compensation,fairness and balance of consideration,and from the perspective of the relevant rules of common law of the UK and USA,this paper discusses the rules for resolving the conflict of contribution clauses,so as to facilitate the understanding of the legal provisions of the principle of double insurance relating to contribution and the clarity of the rules for resolving the conflict of contribution clauses by the courts.

关 键 词：重复保险 分摊条款 分摊规则 

分 类 号：D922.284[政治法律—经济法学]