頁籤選單縮合
題名 | 我國公共意外責任保險之探討=A Research on the Public Liability Insurance of Taiwan |
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作者 | 張秀枝; Chang, Hsiu-chih; |
期刊 | 高雄工商專校學報 |
出版日期 | 19961200 |
卷期 | 26 1996.12[民85.12] |
頁次 | 頁247-266 |
分類號 | 563.75 |
語文 | chi |
關鍵詞 | |
中文摘要 | 回顧過去所發生的多起重大意外事故,公共場所是否安全,已普遍受到國人的重 視。雖然我國自民國五十五年開辦公共意外責任保險至今已屆滿三十年,過去由於企業經營 者社會責任的觀念未能普遍建立,以及法律條文規範不夠完善,使得企業經營者未能妥善利 用此保險來分散風險,因而實施效果不佳。但是隨著國家賠償法,強制汽車保險法,消費者 保護法的相繼實施,以及國外高額責任保險的觀念,再加上公共場所意外事故頻傳,而肇事 者承擔能力不足,造成許多社會問題,因而使得公共意外責任保險的需求增加。為配合社會 實際情況的需要,財政部於民國八十四年二月二十八日核准新制的公共意外責任保險,放寬 承保範圍並改採無過失責任制,承保對象由原來三類改為六類,提高保險責任額度,並將費 率修訂的更合理化,但存在問題仍多,本文特別針對這些問題加以探討,俾使公共意外責任 保險更能受到重視而發揮其應有的社會功能。 |
英文摘要 | In the past few years, terrible public accidents constantly happened and greatly shoched the whole country. The serious damaging effects these accidents brought about have made people all around fix their eyes on the importance of the safety of public places. In Taiwan, the public liability insurance has been executed for 30 years since 1996. However, because of the business runners not setting up nor realizing their social responsibility and because of incomplete regulations, the business runners have failed to make good use of it to distribute the risks so that it hasn't come to an expected result. Today, the National Compensation Law and Consummer Protection Law are passed and executed successively in Taiwan. The idea of Excess liability insurance is popularly accepted in some foreign countries. Moreover, the accidents of public places take place so often. but business runners are unable to bear the compensation so as to cause serious social problems. All these factors increase the requirement of public liability insurance. In order to meet the requirement, on Feb. 28. 1995, the Ministry of Finance issued a anew public liability insurance, which extends the coverage endorsement, adopts No-Fault liability insurance, changes the insured form original 3 classes into 6 classes, increases the insurance premium, and revises the rate to be more reasonable. Nevertheless, lots of problems still exist. This research focuses especially on these problems, and probes deeply into them, trying to arouse people to pay more attention to the public liability insurance so that it may develop fully its proper function to the society. |
本系統之摘要資訊系依該期刊論文摘要之資訊為主。