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美国的保险法最初受英国法院判例的影响很大,现在美国各州都制定了保险法和管理保险业的法律,成立了保险部。联邦政府设置保险专员管辖其事。联邦政府只是偶而制定法规。美国的保险立法是极不统一的,保险立法和司法部门对保险法的解释(判例)多的很。本文简单介绍以下五点:一、保险合同的签订;二、保险合同的完成;三、保险条款;四、保险合同的转让;五、代位权。
The insurance law of the United States was initially heavily influenced by the jurisprudence of the English courts. Now all the states in the United States have enacted laws on insurance and the insurance industry and set up the insurance department. The federal government has set up commissioners to govern the case. The federal government only occasionally make laws and regulations. The insurance legislation in the United States is extremely inconsistent. Insurance legislation and the judiciary have more explanations (jurisprudence) about the insurance law. This article briefly introduces the following five points: First, the signing of the insurance contract; Second, the completion of the insurance contract; Third, the terms of insurance Fourth, the transfer of insurance contracts Fifth, the right of subrogation.