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  本文關(guān)鍵詞： 第三者責(zé)任保險 共同侵權(quán)責(zé)任 連帶責(zé)任　出處：《上海交通大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：在投保人與他人行為共同造成第三者傷害的情況下，投保人與他人是否承擔(dān)共同侵權(quán)責(zé)任？如果確定為共同侵權(quán)行為，投保人與其他肇事者承擔(dān)連帶責(zé)任的情況下，，保險公司是在投保人應(yīng)當(dāng)承擔(dān)的責(zé)任比例范圍內(nèi)承擔(dān)賠付責(zé)任，還是應(yīng)當(dāng)在第三者責(zé)任保險的最高限額內(nèi)，對投保人的責(zé)任份額以及對其應(yīng)當(dāng)承擔(dān)的連帶責(zé)任？我國《保險法》和《機(jī)動車商業(yè)保險行業(yè)條款》等相關(guān)法律無明確規(guī)定，司法實(shí)務(wù)界尚未形成統(tǒng)一的處理意見，學(xué)說理論亦有分歧。有鑒于此，本文以該問題為研究對象，就機(jī)動車商業(yè)三者險中連帶責(zé)任的承擔(dān)問題提出了一些自己膚淺的看法。 本文由如下四個部分構(gòu)成： 第一章“典型案例”主要介紹了甄選案例案情并提出了爭議焦點(diǎn)。第二章“共同侵權(quán)責(zé)任之認(rèn)定”，根據(jù)《侵權(quán)責(zé)任法》與最高人民法院關(guān)于《人身損害賠償司法解釋》關(guān)于共同侵權(quán)責(zé)任認(rèn)定標(biāo)準(zhǔn)不一問題進(jìn)行分析的同時，探討了認(rèn)定共同侵權(quán)行為的問題。第三章“三責(zé)險中連帶責(zé)任問題”，整理三者險的性質(zhì)、賠償依據(jù)、賠償范圍等問題，分析比較連帶責(zé)任肯定說與連帶責(zé)任否定說等相關(guān)學(xué)說理論，第四章“連帶責(zé)任承擔(dān)的正當(dāng)性”，從合同條款的解釋論和比較法的角度，論證了商業(yè)三責(zé)險承保連帶責(zé)任的合法性與合理性。
[Abstract]:In the case that the policyholder and others act together to cause third party injury, is the policyholder and others jointly liable for infringement? If determined as joint tort, the insured and other perpetrators bear joint liability, the insurance company is in the policy holder should bear the liability within the scope of liability. Or should be in the third party liability insurance of the maximum limit, the share of liability to the policyholder and the joint and several liability it should bear? China's Insurance Law and the motor vehicle commercial insurance industry provisions and other related laws are not clear provisions, judicial practice has not yet formed a unified opinion, there are differences in theory and theory. Taking this problem as the research object, this paper puts forward some superficial views on the joint and several liability in motor vehicle commercial insurance. This paper is composed of the following four parts: The first chapter "typical cases" mainly introduces the selection cases and puts forward the focus of the dispute. Chapter two, "Joint tort liability determination". According to the "Tort liability Law" and the Supreme people's Court on the judicial interpretation of "personal injury compensation" on joint tort liability for different standards of analysis at the same time. The third chapter "Joint liability in three liability insurance", collate the nature of the three risks, compensation basis, compensation scope and other issues. This paper analyzes and compares the theory of affirmation of joint and several liability and the theory of negation of joint liability, chapter 4th, "legitimacy of joint and several liability", from the angle of interpretation of contract terms and comparative law. It demonstrates the legitimacy and rationality of joint and several liability insured by commercial triple liability.
【學(xué)位授予單位】：上海交通大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：D922.14;D923

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本文編號：1475592