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按照车损险保险条款的约定,一般的保险合同中,保险金额的确定有三种方式:新车购置价、车辆实际价值和协商确定。实践中基本采用的都是第一种方法。机动车辆损失保险中这种“高保低赔”的现象由来已久,业界对此颇多争议,在保险审判实践中对此也是莫衷一是,法律适用极不统一。当被保险车辆发生损失计算车辆实际价值时,所依据的新车购置价是以保单上载明的新车购置价为准还是以被保险车辆最初购买价格为准?这种高赔低保条款的效力和性质如何认定?本期刊发两篇文章《高保低赔的车损险条款应属免责条款》和《保险合同中新车购置价的确定方法》,以期对其中的争议问题加以分析研究。
Accordance with the provisions of the car damage insurance clause, the general insurance contract, the amount of insurance to determine there are three ways: the purchase price of new cars, the actual value of vehicles and to determine. The basic method used in practice is the first method. Motor vehicle loss insurance in this “Bao Bao Mo ” phenomenon has a long time, the industry quite a lot of controversy in the practice of insurance trials is also one of the opposite, the law is extremely uniform. When the loss of the insured vehicle to calculate the actual value of the vehicle, the purchase price of a new car based on the new car purchase price stated in the policy shall prevail or the initial purchase price of the insured vehicle shall prevail? And how to determine the nature? This issue two articles “car insurance claims loss should be exempt clauses” and “insurance contract in the purchase price of new ways to determine” in order to analyze the issue of the dispute.