论海上重复保险中保险人分摊请求权与责任分摊机制  

Discussion on Insurer s Right of Contribution and Liability Allocation Mechanism of Marine Double Insurance

作　　者：钟毓洁 Zhong Yujie(School of Law,Zhongnan University of Economics and Law,Wuhan 430073,China)

机构地区：[1]中南财经政法大学法学院,湖北武汉430073

出　　处：《中南财经政法大学研究生论丛》2022年第5期125-133,共9页Journal of the Postgraduates of Zhongnan University of Economics and Law

摘　　要：海上重复保险由损失补偿原则发展而来,是重复保险制度的一种形式。我国《海商法》赋予重复保险中超额赔付保险人一项独立且全新的请求权——分摊请求权,此项权利与民事连带责任中的追偿权相似但又有区别。分摊请求权从权利角度叙事,而责任分摊则从义务方面探讨各保险人对被保险人承担责任的形式以及保险人之间的损失分配。为推进我国重复保险法律制度的发展,应继续对《保险法》和《海商法》进行修订,并顺应比例分担主义转向连带主义、最大责任制转向独立责任制的时代发展潮流。Marine double insurance is a form of double insurance system,which is derived from the principle of indemnity.Maritime Law of the PRC endows the overpaying insurer with an independent and brand-new right of contribution,which is similar to but different from the right of recourse in civil joint and several liability.The right of contribution is illustrated from the perspective of right,while the allocation of liability discusses the form of liability of the insurer to the insured and the contribution of loss between insurers.In order to promote the development of double insurance system of our country,we should continue to revise the Insurance Law and Maritime Law of PRC and comply with the development trend of the times,which is characterized by the shift from the principle of sharing proportionality to the principle of joint responsibility and the shift from principle of maximum responsibility to the independent responsibility system.

关 键 词：海上重复保险 损失补偿原则 分摊请求权 责任分摊 

分 类 号：D922.284[政治法律—经济法学]