提要我国保险法2009年修订对被保险人合作义务做了一些修改,但是并未形成统一的责任规定。从美国的司法经验来看,总体上对被保险人的合作义务在司法审查上趋于宽松。被保险人的合作义务在实质上属于平衡保险合同双方当事人权利与义务的一个平衡阀,综合考虑合作义务条款的目的与宗旨,我国在司法上宜设置善意原则和重大情节标准,切实保护好保险消 Abstract The revision of China’s Insurance Law in 2009 made some amendments to the obligation of cooperation of the insured, but it did not form a unified responsibility. Judging from the judicial experience in the United States, the obligation to cooperate with the insured generally tends to be relaxed in judicial review. The obligation of cooperation of the insured is essentially a balancing valve that balances the rights and obligations of both parties to the insurance contract. Considering the purpose and purpose of the articles on cooperation obligations, our country should set the principle of goodwill and major plot standards judicially, and effectively protect the insurance Cancel