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审判实务中,当被保险人按事故责任比例应负的赔偿金额低于责任限额时:赔款=应负赔偿金额×(1-免赔率),这点没有争议,焦点是当被保险人按事故责任比例应负的赔偿金额超过责任限额时,未投保不计免赔特约险的商业险赔偿应如何赔付?第一种观点是保险公司的赔款=责任限额×(1-免赔率),第二种观点是保险公司的赔款=被保险人按事故责任比例应负的赔偿金额×(1-免赔率),但保险赔偿金额以不超过保险金额为限。本文赞同第二种观点,并结合案例试从法理及法律解释层面进行了论述,以期对实务操作有所裨益。
Judicial practice, when the insured person according to the proportion of the accident liability liability should be less than the amount of liability limit: indemnity = amount of compensation × (1-deductible), it is not controversial, the focus is when the insured by the The first point of view is the insurance company’s indemnity = liability limit × (1-free deductible), the first paragraph is the insurance company’s liability = liability limit × The two views is the insurance company’s indemnity = the insured person according to the proportion of the accident liability compensation amount × (1-free deductible), but the amount of insurance compensation up to not exceed the amount of insurance. This article agrees with the second viewpoint and tries to discuss it from the perspective of jurisprudence and legal interpretation in combination with the case in order to benefit the practical operation.