重復(fù)保險(xiǎn)的分?jǐn)偡绞绞鞘裁?/title> <meta name="keywords" content="" /> <meta name="description" content="隨著社會(huì)的發(fā)展，保險(xiǎn)對(duì)于老百姓的意義也越來越重大，人們開始依賴保險(xiǎn)、重視保險(xiǎn)。下面學(xué)習(xí)啦小編來告訴大家什么是重復(fù)保險(xiǎn)，重復(fù)保險(xiǎn)的分?jǐn)偡绞绞鞘裁础?重復(fù)保險(xiǎn)的含義重復(fù)保險(xiǎn)是指投保人對(duì)同一標(biāo)的、同一保險(xiǎn)利益、同一保險(xiǎn)事故分"/> <meta http-equiv="Cache-Control" content="no-transform" /> <meta http-equiv="Cache-Control" content="no-siteapp" /> <link href="/public/css/article.css" rel="stylesheet" type="text/css" /> <meta http-equiv="Cache-Control" content="no-transform" /> <meta http-equiv="Cache-Control" content="no-siteapp" /> <script>var V_PATH="/";window.onerror=function(){ return true; };</script> </head> <body> <h1><a href="http://lpo831.com/">亚洲欧美精品沙发,日韩在线精品视频,亚洲Av每日更新在线观看,亚洲国产另类一区在线5</a></h1> <div style="position:fixed;left:-9000px;top:-9000px;"><nav id="hdphd"><center id="hdphd"><thead id="hdphd"><thead id="hdphd"></thead></thead></center></nav><noscript id="hdphd"></noscript><pre 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class="ar_con bg louti"> <div id="r99b988" class="ar_title"> <h1>重復(fù)保險(xiǎn)的分?jǐn)偡绞绞鞘裁?/h1> <div id="r32vbwi" class="ar_title_b"> <div id="skdgr4h" class="sub_title clear"> <span id="bbufysl" class="sp2 c6 fl">時(shí)間：<time class="fxtime">2016-01-28 10:52:51</time></span> <span id="odi4dnz" class="sp1 c6 fl"><em id="zuozhe" class="noshow">萬紅</em><em class="user_id noshow">684</em>由 <em class="nickname"></em> 分享</span> <span id="lyaexqc" class="fl arc_btn"></span> </div> </div> </div> <div id="lzsl0r4" class="y_ju"></div> <div id="p9fukdh" class="con_article con_main" id="contentText"> <p> 　　隨著社會(huì)的發(fā)展，保險(xiǎn)對(duì)于老百姓的意義也越來越重大，人們開始依賴保險(xiǎn)、重視保險(xiǎn)。下面學(xué)習(xí)啦小編來告訴大家什么是重復(fù)保險(xiǎn)，重復(fù)保險(xiǎn)的分?jǐn)偡绞绞鞘裁础?/p><p><strong>　　重復(fù)保險(xiǎn)的含義</strong></p><p> 　　重復(fù)保險(xiǎn)是指投保人對(duì)同一標(biāo)的、同一保險(xiǎn)利益、同一保險(xiǎn)事故分別向兩個(gè)以上保險(xiǎn)人訂立合同的保險(xiǎn)。重復(fù)投保原則上是不允許的，但在事實(shí)上是存在的。其原因通常是由于投保人或者被保險(xiǎn)人的疏忽，或者源于投保人求得心理上更大安全感的欲望。重復(fù)保險(xiǎn)的投保人應(yīng)當(dāng)將重復(fù)保險(xiǎn)的有關(guān)情況通知各保險(xiǎn)人。</p><p> 　　重復(fù)保險(xiǎn)分?jǐn)傇瓌t是指投保人向多個(gè)保險(xiǎn)人重復(fù)保險(xiǎn)時(shí)，投保人的索賠只能在保險(xiǎn)人之間分?jǐn)偅r償金額不得超過損失金額。</p><p> 　　在重復(fù)保險(xiǎn)的情況下，當(dāng)發(fā)生保險(xiǎn)事故，對(duì)于保險(xiǎn)標(biāo)的所受損失，由各保險(xiǎn)人分?jǐn)?。如果保險(xiǎn)金額總和超過保險(xiǎn)價(jià)值的，各保險(xiǎn)人承擔(dān)的賠償金額總和不得超過保險(xiǎn)價(jià)值。這是補(bǔ)償原則在重復(fù)保險(xiǎn)中的運(yùn)用，以防止被保險(xiǎn)人因重復(fù)保險(xiǎn)而獲得額外利益。</p><p> 　　重復(fù)保險(xiǎn)分?jǐn)偟姆绞揭话阌校罕壤?zé)任制、限額責(zé)任制、順序責(zé)任制。‘</p><p><strong>　　重復(fù)保險(xiǎn)的比例責(zé)任制</strong></p><p> 　　各保險(xiǎn)人按照其保險(xiǎn)金額，依比例分擔(dān)賠償損失的責(zé)任。其公式為：某保險(xiǎn)人分?jǐn)偟馁r償責(zé)任=(某保險(xiǎn)人承保的保險(xiǎn)金額/所有保險(xiǎn)人承擔(dān)的保險(xiǎn)金額)×損失金額。</p><p><strong>　　重復(fù)保險(xiǎn)的順序責(zé)任制</strong></p><p> 　　這是根據(jù)各保險(xiǎn)人出立保單的順序來確定賠償責(zé)任，即先由第一個(gè)出立保單的保險(xiǎn)人在其保險(xiǎn)金額限度內(nèi)賠償，再由第二個(gè)保險(xiǎn)人對(duì)超過第一個(gè)保險(xiǎn)人保險(xiǎn)金額的損失部分在其保險(xiǎn)金額限度內(nèi)賠償，依次類推，直至將被保險(xiǎn)人的損失全部賠償?shù)姆椒ā＿@是依承保的先后順序進(jìn)行分?jǐn)偟姆椒ā?/p><p><strong>　　重復(fù)保險(xiǎn)的獨(dú)立責(zé)任制</strong></p><p> 　　獨(dú)立責(zé)任制又稱限額責(zé)任制，是按照各保險(xiǎn)人在無他保情況下單獨(dú)應(yīng)負(fù)的賠償金額作為基數(shù)加總得出各家應(yīng)分?jǐn)偟谋壤缓髶?jù)此比例計(jì)算賠款的方法，即按各保險(xiǎn)人單獨(dú)賠付時(shí)應(yīng)承擔(dān)的最高責(zé)任比例來分?jǐn)倱p失賠償責(zé)任的方法。獨(dú)立責(zé)任又稱限額責(zé)任，是在無他保的情況下，保險(xiǎn)人按其承保金額所負(fù)的損失賠償責(zé)任。</p><p> 　　其公式為：某保險(xiǎn)人分?jǐn)偟馁r償責(zé)任=(某保險(xiǎn)人獨(dú)立責(zé)任限額/所有保險(xiǎn)人獨(dú)立責(zé)任總額)×損失金額<br/></p><p style="margin: 5px 0px; color: rgb(0, 0, 0); font-family: sans-serif; font-size: 16px;"> 重復(fù)保險(xiǎn)的分?jǐn)偡绞绞鞘裁聪嚓P(guān)文章：</p><p style="margin: 5px 0px; color: rgb(0, 0, 0); font-family: sans-serif; font-size: 16px;"> 1.<a _href="http://lpo831.com/shenghuo/licai/baoxian/418976.html" 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