论文部分内容阅读
向多家保险公司投保实际上是指重复保险,即投保人对同一保险标的、同一保险利益、同一保险事故分别向两个以上保险人订立保险合同的保险。《保险法》第四十条明确规定:“重复保险的投保人应当将重复保险的有关情况通知保险人。重复保险的保险金额总和超过保险价值的,各保险人的赔偿金额的总和不得超过保险价值。除合同另有约定外,各保险人按照其保险金额与保险金额总和的比例承担赔偿责任。”
To a number of insurance companies actually refers to the double insurance, that is, the insured person to the same subject matter, the same insurance benefits, the same insurance accident insurance contracts to more than two to enter into insurance contracts. Article 40 of the Insurance Law clearly stipulates: "Applicants of duplicate insurance shall notify the insurer of the duplicate insurance, and if the sum of the insured amounts of duplicate insurance exceeds the insured value, the sum of the indemnities of insurers shall not exceed the insured value Unless otherwise stipulated in the contract, each insurer shall be liable for compensation in proportion to the sum of its insurance amount and the sum insured amount.