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定值保险在财产保险中占有相当的地位,而近来越加频繁的定值保险合同赔付纠纷案件引起了社会对概念性理解的争论。其实质是对保险价值、实际价值以及定值保险中的超额保险概念的内涵认识模糊,对定值保险与保险中的损失补偿原则之间的关系认识不同。通过分析上述概念并结合法条,旨在找出定值保险尤其是超额定值保险中的问题解决办法,并提出自己的合理见解。
The value of insurance occupies a considerable position in the property insurance, and the more frequent cases of dispute settlement of value-added insurance contracts have caused the community to debate the concept of understanding. Its essence is to vaguely understand the connotation of the concept of insurance value, actual value and the concept of excess insurance in the value-added insurance, and to understand the relationship between the principle of loss compensation in the value-added insurance and in the insurance. By analyzing the above concepts and combining with the law, the paper aims to find out the solution to the problems in the valuation insurance, especially the over-rated insurance, and put forward my own reasonable opinions.