作者：邢海宝
作者介绍：中国人民大学民商事法律科学研究中心专职研究人员,中国人民大学法学院教授
出版日期：2016年6月9日
内容提要 如机动车自愿责任险约定“按份赔付” ,而被保险人与其他侵权行为人对 受害第三人承担连带责任时,保险人承担被保险人的份额责任还是连带责任,这在理论上 和实务中产生了很大争议。 基于对连带责任的可保性、“按份赔付”条款的性质、保险人对 第三人的抗辩、条款的订入与效力、代位追偿是否可行以及自愿责任险与强制三责险差异 的分析,认为“按份赔付”条款不应受到否定,而该得到认可。
关键词 可保性 自愿保险 连带责任 按份赔付 直接请求权
Abstract: Where the “ indemnity in accordance with the portio ” is promised in the voluntary compulsory liability of motor vehicles and the insurer takes the portio liability or the joint and several liabilities of the insured, the great dispute between theory and practice is produced. Based on the analyses of the insurability of joint and several liability, the nature of the “indemnity for several liability” clause, the defenses of the insurer to the third party victim, the incorporation of the clause into the insurance contract and its validity, the system of subrogation, as well as the differences between voluntary liability insurance and compulsory automobile liability insurance, this article argues that the effect of the “indemnity for several liability” clause shall be recognized instead of being denied.