| 超额保险的法律规制 |
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| 引用本文： | 何睿,孙宏涛.超额保险的法律规制[J].金陵科技学院学报(社会科学版),2006,20(2):5-9. |
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| 作者姓名： | 何睿 孙宏涛 |
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| 作者单位： | 上海交通大学法学院,上海,200240 |
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| 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。
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| 关 键 词： | 超额保险 损害补偿原则 善意 恶意 规制 |
| 文章编号： | 1673-131X(2006)02-0005-05 |
| 收稿时间： | 03 2 2006 12:00AM |
| 修稿时间： | 2006年3月2日 |
The Regulation of Over Insurance |
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| HE Rui,SUN Hong-tao.The Regulation of Over Insurance[J].Journal of Jinling Institute of Technology :Social Science Edition,2006,20(2):5-9. |
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| Authors: | HE Rui SUN Hong-tao |
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| Institution: | School of Law, Shanghai Jiaotong University, Shanghai 200240, China |
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| Abstract: | 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. |
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| Keywords: | over insurance the principle of indemnity good faith bad faith regulation |
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