保险竞合

异种保险竞合条款的冲突解决则有多数说与少数说两种。

The resolutions of heterogeneous Other Insurance clauses are the majority and the minority .

同种保险竞合条款的冲突解决分为传统途径与当代途径两种。

The conflict resolution of homogeneity Other Insurance clauses are traditional resolution and contemporary one .

保险竞合一直是保险业的一大难题，如何在保险人间公平、有效的分摊损失，是保险竞合制度研究的重点。

How to share losses fairly and effectively is the emphasis to study insurance competing system .

第二章以美国判例法为研究对象，介绍了保险竞合条款的类型及适用范围。

Chapter II introduces the categories and the sphere of application , taking US case law as the research object .

美国历史上出现了多种分摊规则理论，也在早期解决了保险竞合纠纷。

Once there had several sharing rules theories in the history of America to solve the problem of insurance competing .

同种保险竞合条款竞合时，各保险人按照其保险金额与保险金额总和的比例承担赔偿保险金的责任。

When homogeneous insurances are concurrent , the insurer takes the responsibility according to the percentage of single insured amount in total amount .

本文认为，保险竞合所强调的同一被保险人、不考虑当事人主观善恶以及不考虑保险利益是否同一等要素，将其与重复保险明显区别开来。

Other Insurance is different from double insurance , because it emphasizes the identical insured as well as neglects subjective psychology of the party and the identity of the insurable interest .

广义保险竞合包括重复保险；狭义的保险竞合是指保险事故发生时，数保险人应给付保险金的对象均为同一被保险人的保险竞合。

The general competing insurances include double insurers . The narrow competing insurances refer to the phenomenon that several insurers should pay insurance money to the same objects when insurances accident occurred .

目前在法律上没有明确保险竞合概念，因此可以参照重复保险的相关规定，对保险竞合进行规定和理解。

But currently , there is no clear legal concept of competing insurers , so we can refer to the relevant provisions of double insurances , the competing insurances requirements and competing for understanding .

第三部分医疗责任保险的竞合。

Concurrence of medical liability insurance .

工伤保险与侵权法竞合的理论与立法构想

On Legal Concurrent of Industrial Injury Insurance and Civil Tort and Related Legislative Ideas

同质保险与异质保险竞合时，责任保险为主要保险。

When homogeneous insurance and heterogeneous insurance are concurrent , the liability insurance is main one .

在保险实务中发生保险竞合的主要原因是各个保险单位信息不匹配，缺乏交流，应建立一个系统，可以规避或减少保险竞合问题发生。

The insurance unit of information does not match and lack of communication that is mainly due to the various competing insurance in the insurance practice , so should be established a system of competing insurers which can avoid or reduce problems .

多数保险又可以分为重复保险和保险竞合，文章着重对重复保险和保险竞合情况下的保险补偿和分摊问题作了论述。

This paper discusses some problems arising from double insurance and concurrent insurance .

美国的其他保险制度是目前最为成熟的保险竞合制度。

The system of insurance competing of America insurance industry is the most advanced of the world .

保险人代位权与被保险人求偿权竞合时的处理规则

PERSONAL ACCIDENT INSURANCE CLAIM FORM Rules Dealing with Concurrence of Insurer 's Subrogation and Insured 's Claim

首先，立法中应确立民事赔偿制度、补偿制度及强制保险制度相结合原则；确立医疗责任保险第三人的赔偿请求权及补充保险竞合处理原则。

First , the combination of the compulsory insurance system and civil compensation system should be established in legislation ; as well as third party compensation claims establishing .