通常,人们所说的第三者是插足于已婚夫妻之间的婚外情人,至少受到一方的仇恨,其身份往往是较为尴尬的,也是受传统社会所轻视的。但在我们保险领域,保险人与被保险人之间经常有一些争议和矛盾,如承保时的风险评估、出险时的赔偿数额 Usually, the third person who is referred to is an extramarital affair lurking between married couples, who is hately hated by at least one party. His identity is often more embarrassing and contemptuous by the traditional society. However, in our field of insurance, there is often some controversy and contradiction between the insurer and the insured, such as the risk assessment at the time of underwriting and the amount of compensation at the time of insuring