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保险法将责任保险纳入财产保险章节予以规范,致使适用法律过程中产生责任保险和一般财产保险并无区别的误解,然责任保险与一般财产保险在保险标的及保险价值上有着重大区别,该区别凸现出责任保险的特殊之处:不适用比例赔付。故保险人承保责任险时约定比例赔付系无效行为。
The Insurance Law incorporates liability insurance into the section on property insurance, so that there is no misunderstandings about liability insurance and general property insurance in the course of applicable law. However, there is a significant difference between liability insurance and general property insurance in terms of the subject matter of insurance and insurance value Out of the special nature of liability insurance: Does not apply proportional compensation. Therefore, the insurer underwriting liability insurance agreed ratio of payment is invalid.