- 學位論文
汽車第三人責任保險理賠爭議案件之研究 以法院判決為中心
Case Study of Automobile Third Party Liability Insurance Claim - Centered on Courts Judgement
摘要
論文名稱：汽車第三人責任險爭議案件之研究 頁數:83 －以法院判決為中心 校系(所)組別：淡江大學風險管理與保險學系保險經營碩士在職專班 畢業時間及提要別：111 學年度第 2 學期碩士學位論文提要 研究生：郭亮軒 指導教授：羅俊瑋 論文提要內容： 現今社會交通事故層出不窮，車禍求償與第三人責任險密不可分，大量車禍事故損害賠償案件，已使汽車第三人責任險成為穩定社會的重要經濟制度。然現今車險理賠人員賠付的之標準，常因公司政策不同，以至於實務中有不同賠付標準，因此希望藉此研究歸納車禍事故常見之爭議，依照法院判決提供理賠人員判斷被害人之要求是否於法有據。 本文針對決定車禍事故賠償金額兩大要素，肇事責任，損失與求償合理性進行探討。並依實務上常見工傷假爭議，交通費爭議，交易性貶損，營業損失，國術館費用等五項爭議進行案例分析，透過案例分析及得出實務上法院見解如下。 1. 工傷假薪資損失法院認定損益不相抵仍需賠償 2. 交通費用法院認為物之不能使用具體實現於財產損害時得請求賠償 3. 交易性貶損法院認定需賠償 4. 營業損失法院認定為所失利益需要賠償 5. 國術館費用因無法證明其相當因果關係，法院認定不用賠償 並建議公司應提升理賠人員肇責研判能力及法律觀念，並可透過舉辦 校園講座提升所有駕駛人防禦駕駛概念，以達成減少事故之長期目標。 關鍵字:汽車第三人責任保險、理賠爭議
並列摘要
Title of Thesis：Case Study of Automobile Third Total pages：83 Party Liability Insurance Claim - Centered on Courts Judgement Key word: Automobile Third Party Liability Insurance、Claim Disputes Name of Institute：Executive Master’s Program of business administration (EMBA) in Risk Management and Insurance, Tamkang University Graduate date：June, 2023 Degree conferred：Master Name of studen：Kuo-Liang Hsuan Advisor：Chun-Wei Lo 郭亮軒 羅俊瑋 Abstract： In today's society, traffic accidents emerge in endlessly, and the claims for compensation in car accidents are inseparable from the third-party liability insurance. A large number of compensation cases in car accidents have made the automobile third-party liability insurance an important economic system for stabilizing society. However, the current standard of compensation for automobile insurance claims personnel depends on company policy, so that there are different compensation standards in practice. Therefore, I hope to use this research to summarize the torts caused by car accidents, common disputes, and provide claim personnel to judge whether the victim's claim is legally based on the court's judgment. This article discusses the two major elements of determine compensation, the liability for causing the accident, and the rationality of loss and compensation. And according to the five disputes that are common in practice, such as disputes the loss of wages due to work-related injury, transportation expenses, transactional derogation, the operating loss, and fees for Kung Fu Clinic, the case analysis is carried out. Through the case analysis and the practical opinions of the court are as follows. 1. Compensation is still required if the court finds that the loss of wages due to work-related injury does not applicable to benefits rule 2. Transportation expenses should be compensated when the car unable to use that causes the loss of asset 3. Transactional derogation is determined by the court to be compensated 4. The court determines that the operating loss needs to be compensated 5. The court determined that no compensation should be made for the expenses of the Kung Fu Clinic because it could not prove its necessity It is also suggested that the company should improve the ability of claim personnel to determine the responsibility in a motor vehicle collision and legal concepts, and through holding Campus lectures promote the concept of defensive driving for all drivers to achieve the long-term goal of reducing accidents.