“保险空白期”之保险责任研究

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1、万方数据成为全面解决“保险空白期”的理想选择，而在强制临时保险制度和自选临时保险制度两种模式的比较和选择中，强制临时保险制度更符合我国保险市场从初级向中高级迅速发展的现状，符合世界主流保险市场处理“保险空白期”的方式，全面规范“保险空白期”保险责任的承担，对《保险法司法解释二》第四条的不足之处进行完善，通过在《保险法》修订中增加强制临时保险制度，不仅能够有效保障“保险空白期”投保人＼被保险人的合法权益，而且可有力改善保险行业经营形象和社会声誉，有利于保险行业的健康发展。关键词：保险空白期；保险责任；制度建议万方数据TheStudyof”InsuraRceBIankPeriod”oflns

2、uranceLiabiIityAbstractjnsureracceptedtheinsuranceapplicationoftheinsuredandchargetheinsurancepremium，duringtheperiodofhasnotyetagreedtoacceptinsurance，theinsuranceaccidenthappens．Whethertheinsurerwillllabletopay?”Insuranceblankperiod”iscloselyrelatedtoconcludeinsurancecontractprocess，theadvancep

3、remiumofinsurancecompanyandthereasonableexpectationofpolicy—holderlinsurantleadsto”insuranceblankperiod”controversy．Atthesametime．theinsurerprocrastinateunderwritingmake”insuranceblankperiod”disputesintensified．Theinsurer’SrefusaltopaytheinsuranceaccidentthatOCCURSin”insuranceblankperiod”lcadstot

4、hereasonableexpectationinterestsofpolicy-holderandinsurantcannotbeguaranteed．Atthesametime，insurancecompanyclaimsrejectedbehavioralsodamagethereputationoftheinsuranceindustry．Theinsuredthinkshehaspaidtheinsurancepremium，hehasfulfilledthemainobligationsundertheinsurancecontract，whethercompletetheu

5、nderwritinginsurancecompanyisthecompany’Sinternalproblems，SOtheinsurancecompaniesshouldfulfillitsobligationtopayfortheinsuranceaccidentoccursin”insuranceblankperiod”．Butfromtheinsurancecompany’Sopinion，advancepremiumistheinternationalinsuranceindustrypractice，theinsurancecompanyhavethefighttounde

6、rwriting，beforetheinsurancecompanyhasnotagreed，andtheinsurancecontractisnotestablished，SOtheinsurancecompanyshallnotbeliablefor”insuranceblankperiod”claims．Fromtheperspectiveofprotectionthefightsandinterestsofpolicy-holderandimprovingtheinsuranceindustryreputation，tryingourbesttoprotectpolicy-hol

7、derandinsurant’Sinterestsinthe”insuranceblankperiod”hasreachedaconsensusinthenationalacademiccirclesandjudicialpracticeandformedamaturesystem．Thetheorybasisisreasonableexpectationprincipleandtheoryofconsideration．Becau