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保险条款是保险人与被保险人所签订的保险合同的内容,保险合同一旦订立保险条款就具有法律约束力。 为了维护保险条款的严肃性,依照《中华人民共和国经济合同法》《中华人民共和国财产保险合同条例》有关规定及保险理赔的基本原则,笔者认为,“机动车辆保险条款第5条第1款公有车辆的保险金额,可以按重置价值确定,也可以由被保险人和本公司协商确定。”这一款违背了上述原则,同时也不适应当前社会主义市场经济要求,建议进行修改。
The insurance clause is the content of the insurance contract signed by the insurer and the insured person. Once the insurance contract is concluded, the insurance contract is legally binding. In order to maintain the seriousness of the provisions of the insurance, in accordance with the “Economic Contract Law of the People’s Republic of China” “People’s Republic of China Property Insurance Contract Regulations,” the relevant provisions and the basic principles of insurance claims, the author believes that “Article 5 of the Motor Vehicle Insurance Clause 1 The insurance amount of the vehicle can be determined by the replacement value or by the insured and the Company. ”This paragraph violates the above principle and does not meet the requirements of the current socialist market economy and proposes changes.