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保险代理人是根据保险人的委托,向保险人收取代理手续费,并在保险人授权的范围内代为办理保险业务的单位和个人。由于《中华人民共和国保险法》未对保险代理人的义务及其应承担的民事责任作出规定,实际操作中往往出现这样或那样的问题。为使今后的办案有所借鉴,笔者谨根据有关法律和最高人民法院的司法解释,结合审判实践,谈谈以下看法。
Insurance agents are commissioned by the insurer, agency fees charged to the insurer, and within the scope of the insurer authorized to handle the insurance business units and individuals. Since the “Insurance Law of the People’s Republic of China” does not provide for the obligations of insurance agents and the civil liability they should bear, problems of one kind or another are often encountered in actual operation. In order to draw lessons from the handling of the case in the future, I hereby, based on relevant laws and the judicial interpretation of the Supreme Court, combine the trial practice with the following opinions.