台灣與大陸汽車第三人責任保險示範條款之研究

本研究主要是在探討兩岸汽車第三人責任保險示範條款，在台灣為自用汽車保險定型化契約範本；在大陸為保險行業協會機動車綜合商業保險示範條款。經由兩岸各自示範條款之說明並予差異比較，其重點不在於孰優孰劣，而是藉此條文之有無規範，凸顯兩岸條款差異性。本篇論文經由研究分析並對於兩岸給予不同建議，在台灣方面，建議家庭成員應納入承保範圍及增訂自負額、暫先給付權、事故責任比例、第三人定義之條款，並將肇事逃逸行為，列為不保事項；在大陸方面，建議被保險人定義應列明，並將告知義務、減免損失費用償還、請求權時效載明於條款中，期以能提供未來政府、相關公會及專家學者因地制宜，釐訂出更為完美之示範條款。

關鍵字

示範條款；汽車保險；第三人責任保險

並列摘要

This study is mainly to explore the model terms of cross-strait Automobile Third-Person Liability Insurance. It is about the templates of contract of adhesion for Personal Automobile Insurance in Taiwan, and is about the sample terms of Motor Vehicle Comprehensive Commercial Insurance of The Insurance Association in China. By comparing the clarified terminology used by each side and then comparing them, the purpose is not to find the superior practice but to highlight the cross-strait divergence by noting what have been codified in each other’s provisions. Through careful analysis, suggestions are recommended for each side, and the suggestions for Taiwan include: 1.Family members to be covered under the terms of the insurance. 2.Adding terms for deductibles. 3.Adding terms for right of temporary payment. 4.Adding terms for ratio of liability. 5.Adding terms for definition of third person. 6.Removal of coverage for hit-and-run incidents. The suggestions for China include: 1.The definition of the insured should be clearly stated. 2.The responsibilities of the insured should be clearly stated. 3.Reduction of cost in damage should be clearly stated. 4.Statute of claim limitation should be clearly stated. We hope that in the future governments, associations, and related experts and scholars will be able to keep perfecting sample terms to be used in the future.