保险利益原则,损失补偿原则

保险利益原则,损失补偿原则 保险利益的来源 保险利益体现的是投保人或者被保险人与保险标的之间的经济利益关系。 (一)财产保险的保险利益 财产保险中的保险利益来自于投保人或者被保险人对保险标的所拥有的各种权利，具体包括: 1、财产所有权 比如房屋、汽车所有者对财产所具有的权利。 2、财产经营权、使用权 虽然财产不为其所有，但是由于其对财产拥有经营权或使用权而享有由此产生的利益及承担相应的责任。比如出租车司机对出租车、房屋租赁者对房屋都拥有使用权。 3、财产承运权、保管权 比如承运人如果将货物安全运送目的地，就可以向托运人收取运费;仓储公司如果能够保证受托仓储的货物，就能获得保管费收入。 4、财产抵押权、留置权 抵押是一种债的担保，抵押人为债务人，抵押权人未债权人。债ith. 3, fill embankment before base and completed the inspection and acceptance of works. 4, before the requirement level elevation sign layout according to the drawing, every nail on the level of a certain distance, elevation of forklift parts according to the design requirements set. 5, according to the site conditions determine the routes of earth-moving machinery, vehicles, and prior checks, reinforce and widen if necessary and other preparatory work. (B) construction processes and methods; 1, process: before filling, and statistics to the existing buildings and trees, the soil on the cave or on the surface of roots, trash and other debris to be cleared. 2, have the soil inspection work. Species of fill, size, check there is no debris, and soil moisture content control within the design range. Tier 3, fill casting: each layer thickness according to soil, density to determine requirements and equipment performance. 4, as needed when rolling, wheel (RAM) track lapping each other, prevent leaks RAM leakage. Aspect is high, filling segments. Each layer into slope-shaped seams, ground track about overlapping 0.5-1.0M, is less than the distance from the upper and lower joints 1M. 5, fill out the base surface, we will do the edge compaction quality assurance work. After the earth-moving, does not require trimming of the slope would be preferable to filling edge fill 0.5 m wide called slope rides on and shoot, wide filling 0.2m. 6, in machinery construction not rolling the filling position, manual blade filled with frog-type ramming machine or diesel hierarchical dynamic compaction-compacting. 9, rain during construction: (1) in the rain during embankment construction, we will be completed as soon as possible a continuous; face do not seek too large, hierarchical segment-by-film basis, important or special backfill, as completed by the rain. (2) in the rain at the time of construction, check all the rain 务人提供给债权人作为抵押的财产，虽然并不转移其所有权或占有权，但是当债务人不能依约偿还借款时，债权人有权处理抵押财产，从中受偿。 留置也是一种债的担保，它与抵押的区别是债权人在债权受偿之前拥有对债务人作为清偿债务担保的财产的占有权，即留置权，当债务人不能依约偿还债务时，留置权人同样有权处理留置的财产。 (二)人身保险的保险利益 人身保险的保险利益来源于投保人与被保险人之间所具有的各种利害关系: 第一，人身关系。投保人以自己的生命和身体作为保险标的。 第二，亲属关系。投保人的配偶、子女、父母等家庭成员。 第三，雇用关系。企业和雇主可以为雇员投保。 第四，债权债务关系。 损失补偿原则在财产保险实务中的特例 (一)定值保险 是指保险合同双方当事人在订立保险合同时，约定保险标的的价ith. 3, fill embankment before base and completed the inspection and acceptance of works. 4, before the requirement level elevation sign layout according to the drawing, every nail on the level of a certain distance, elevation of forklift parts according to the design requirements set. 5, according to the site conditions determine the routes of earth-moving machinery, vehicles, and prior checks, reinforce and widen if necessary and other preparatory work. (B) construction processes and methods; 1, process: before filling, and statistics to the existing buildings and trees, the soil on the cave or on the surface of roots, trash and other debris to be cleared. 2, have the soil inspection work. Species of fill, size, check there is no debris, and soil moisture content control within the design range. Tier 3, fill casting: each layer thickness according to soil, density to determine requirements and equipment performance. 4, as needed when rolling, wheel (RAM) track lapping each other, prevent leaks RAM leakage. Aspect is high, filling segments. Each layer into slope-shaped seams, ground track about overlapping 0.5-1.0M, is less than the distance from the upper and lower joints 1M. 5, fill out the base surface, we will do the edge compaction quality assurance work. After the earth-moving, does not require trimming of the slope would be preferable to filling edge fill 0.5 m wide called slope rides on and shoot, wide filling 0.2m. 6, in machinery construction not rolling the filling position, manual blade filled with frog-type ramming machine or diesel hierarchical dynamic compaction-compacting. 9, rain during construction: (1) in the rain during embankment construction, we will be completed as soon as possible a continuous; face do not seek too large, hierarchical segment-by-film basis, important or special backfill, as completed by the rain. (2) in the rain at the time of construction, check all the rain 值，并以此确定为保险金额，视为足额投保。当保险事故发生时，保险人不论保险标的损失当时的市价如何，均按损失程度比例赔付。 保险赔款=保险金额*损失程度(%) (二)重置价值 所谓重置价值保险是指以被保险人重置或者重建保险标的所需费用或成本确定金额的保险。 损失补偿原则的 案例 全员育人导师制案例信息技术应用案例心得信息技术教学案例综合实践活动案例我余额宝案例 案情介绍: 个体运输专业户张某将其私有东风牌汽车向某保险公司足额投保了车辆损失险，保险金额10万元，以及第三者责任险，保险金额为4万元。保险期为1年。 在保险期限内的某一天，该车在外出办事途中坠入悬崖下一条湍急的河流中，该车驾驶员有合格驾驶照，系张某堂兄，随车遇难。事故发生后，张某向保险公司报案索赔。该保险公司经过现场查勘，认为地形险要，无法打捞，按推定全损处理，当即赔付张某人民币10ith. 3, fill embankment before base and completed the inspection and acceptance of works. 4, before the requirement level elevation sign layout according to the drawing, every nail on the level of a certain distance, elevation of forklift parts according to the design requirements set. 5, according to the site conditions determine the routes of earth-moving machinery, vehicles, and prior checks, reinforce and widen if necessary and other preparatory work. (B) construction processes and methods; 1, process: before filling, and statistics to the existing buildings and trees, the soil on the cave or on the surface of roots, trash and other debris to be cleared. 2, have the soil inspection work. Species of fill, size, check there is no debris, and soil moisture content control within the design range. Tier 3, fill casting: each layer thickness according to soil, density to determine requirements and equipment performance. 4, as needed when rolling, wheel (RAM) track lapping each other, prevent leaks RAM leakage. Aspect is high, filling segments. Each layer into slope-shaped seams, ground track about overlapping 0.5-1.0M, is less than the distance from the upper and lower joints 1M. 5, fill out the base surface, we will do the edge compaction quality assurance work. After the earth-moving, does not require trimming of the slope would be preferable to filling edge fill 0.5 m wide called slope rides on and shoot, wide filling 0.2m. 6, in machinery construction not rolling the filling position, manual blade filled with frog-type ramming machine or diesel hierarchical dynamic compaction-compacting. 9, rain during construction: (1) in the rain during embankment construction, we will be completed as soon as possible a continuous; face do not seek too large, hierarchical segment-by-film basis, important or special backfill, as completed by the rain. (2) in the rain at the time of construction, check all the rain 万元;同时 声明 无利益冲突声明中华医学会杂志社职业健康检查不够规范教育部留学服务中心亲友住房声明 ，车内尸体及善后工作保险公司不负责任，由车主自理。 后来，为了打捞堂兄尸体，张某与王某达成一纸 协议 离婚协议模板下载合伙人协议 下载渠道分销协议免费下载敬业协议下载授课协议下载 ，双方约定:由王某负责打捞汽车，车内尸体及死者身上采购货物的2800元现金归张某，残车归王某，王某向张某支付4000元。残车终于被打捞起来，张某和王某均按约行事。保险公司知悉后，认为张某未经保险公司允许擅自处理实际所有权已转让的残车是违法的。双方争执不下而告上法庭。 法院判决: 第一，保险公司推定该车全损，给予车主张某全额赔偿，已取得残车的实际所有权，只是认为地形险要而暂时没有进行打捞。因此，原车主张某未经保险公司同意转让残车是非法的。 第二，保险公司对车主张某进行了全额赔偿，而张某又通过转让残车获得4000元的收入，其所获总收入大于总损失，显然不符合财产保险中的损失补偿原则，即俗话说的:“买保险不能赚钱。”因此保险公司追回张某所得额外收入4000元，正是保险损失补偿原则的体现。 ith. 3, fill embankment before base and completed the inspection and acceptance of works. 4, before the requirement level elevation sign layout according to the drawing, every nail on the level of a certain distance, elevation of forklift parts according to the design requirements set. 5, according to the site conditions determine the routes of earth-moving machinery, vehicles, and prior checks, reinforce and widen if necessary and other preparatory work. (B) construction processes and methods; 1, process: before filling, and statistics to the existing buildings and trees, the soil on the cave or on the surface of roots, trash and other debris to be cleared. 2, have the soil inspection work. Species of fill, size, check there is no debris, and soil moisture content control within the design range. Tier 3, fill casting: each layer thickness according to soil, density to determine requirements and equipment performance. 4, as needed when rolling, wheel (RAM) track lapping each other, prevent leaks RAM leakage. Aspect is high, filling segments. Each layer into slope-shaped seams, ground track about overlapping 0.5-1.0M, is less than the distance from the upper and lower joints 1M. 5, fill out the base surface, we will do the edge compaction quality assurance work. After the earth-moving, does not require trimming of the slope would be preferable to filling edge fill 0.5 m wide called slope rides on and shoot, wide filling 0.2m. 6, in machinery construction not rolling the filling position, manual blade filled with frog-type ramming machine or diesel hierarchical dynamic compaction-compacting. 9, rain during construction: (1) in the rain during embankment construction, we will be completed as soon as possible a continuous; face do not seek too large, hierarchical segment-by-film basis, important or special backfill, as completed by the rain. (2) in the rain at the time of construction, check all the rain 保险利益原则的案例之一 中新网2010年1月28日综合台湾《联合报》报道，台湾已婚少妇林于如上月被查出涉嫌谋杀亲夫与婆婆，企图诈领保险金近三千万元(新台币，下同)，遭羁押一个多月来，夜夜难眠，前晚终于承认把亲生妈妈也推下楼害死，领走五百多万元保险金。她泪流满面地说:“我背负三条亲人的性命，晚上想起来就睡不着。” 南投警方指出，林于如(二十八岁)因签赌六合彩输掉两千多万元，被债主逼债，铤而走险，先帮亲人投保寿险与意外险，再谋害诈领保险金。她先后为妈妈林侯月云(五十三岁)、婆婆郑惠升(四十六岁)、丈夫刘宇航(二十七岁)与儿子(四岁)、小姑(十八岁)投保，前面三人都遭谋害身亡，警方已依杀人与诈欺罪嫌将她移送法办。 林于如婆婆郑惠升和丈夫刘宇航去年相继死亡，南山人寿派员送理赔金到刘家时，察觉可疑向警方检举。检警后来查出林女将强效安眠药掺进点滴液内，注射进他们体内，造成他们摔倒、心肌梗塞不治。 林侯月云三年多前在台南家中坠楼死亡，家人原以为是意外，检警已结案;直到南投婆家出事，警方追出林于如诈领保险金，发现她也是先为妈妈投保，再领走全部五百多万元保险金，怀疑她涉嫌谋杀母亲。 ith. 3, fill embankment before base and completed the inspection and acceptance of works. 4, before the requirement level elevation sign layout according to the drawing, every nail on the level of a certain distance, elevation of forklift parts according to the design requirements set. 5, according to the site conditions determine the routes of earth-moving machinery, vehicles, and prior checks, reinforce and widen if necessary and other preparatory work. (B) construction processes and methods; 1, process: before filling, and statistics to the existing buildings and trees, the soil on the cave or on the surface of roots, trash and other debris to be cleared. 2, have the soil inspection work. Species of fill, size, check there is no debris, and soil moisture content control within the design range. Tier 3, fill casting: each layer thickness according to soil, density to determine requirements and equipment performance. 4, as needed when rolling, wheel (RAM) track lapping each other, prevent leaks RAM leakage. Aspect is high, filling segments. Each layer into slope-shaped seams, ground track about overlapping 0.5-1.0M, is less than the distance from the upper and lower joints 1M. 5, fill out the base surface, we will do the edge compaction quality assurance work. After the earth-moving, does not require trimming of the slope would be preferable to filling edge fill 0.5 m wide called slope rides on and shoot, wide filling 0.2m. 6, in machinery construction not rolling the filling position, manual blade filled with frog-type ramming machine or diesel hierarchical dynamic compaction-compacting. 9, rain during construction: (1) in the rain during embankment construction, we will be completed as soon as possible a continuous; face do not seek too large, hierarchical segment-by-film basis, important or special backfill, as completed by the rain. (2) in the rain at the time of construction, check all the rain 林女一直否认谋害母亲，警方搜获她曾找命理师以紫微斗数算出的命格，指出她命中带七杀、空亡与至亲死亡等大凶，前天再借提侦讯，以因果循环劝她坦然面对官司。 警方告诉她:“看你命中带大凶，因果循环逃不了，再熬对你没好处。”劝她说出来比较舒服。 前晚十时，她心防崩溃，落泪悔恨地说:“不要再说了，我承认谋害妈妈就是了，说出来也许比较好睡。” 她供称，二零零八年十一月十日下午回台南，找妈妈拜托亲友暂缓催债，母女两人在二楼吵架，她趁妈妈转身下楼时，猛推妈妈的头撞墙;妈妈倒栽葱坠楼不省人事，她下楼摸妈妈鼻子确定没气即离开。 承办检察官林佳裕说，林于如个性冷静，虽然从案情分析，她为了保险金将母亲推下楼的可能性很高，但面对检警侦讯，她就是不肯松口。林佳裕说，这种冷静又冷漠的个性，让他联想到十多年前清大的一件情杀案。 林佳裕曾劝她:“一次要承认杀害三名至亲确实很困难，但骗得了别人，骗不了自己，只有说出来，才不会受到良心谴责。”林女承认杀母后，才算卸下心防。 林于如向检察官说，母亲、丈夫或婆婆都对她不错，却都被她杀害，她不敢面对哥哥、姐姐，怕被他们骂“这种大逆不道的事也做得出来”，因此就是不肯承认杀害母亲。 林于如案发后羁押在南投看守所，姐姐和哥哥都曾分别办理接见;林于如会面时，都要求兄姐相信“我没有杀害妈妈～” ith. 3, fill embankment before base and completed the inspection and acceptance of works. 4, before the requirement level elevation sign layout according to the drawing, every nail on the level of a certain distance, elevation of forklift parts according to the design requirements set. 5, according to the site conditions determine the routes of earth-moving machinery, vehicles, and prior checks, reinforce and widen if necessary and other preparatory work. (B) construction processes and methods; 1, process: before filling, and statistics to the existing buildings and trees, the soil on the cave or on the surface of roots, trash and other debris to be cleared. 2, have the soil inspection work. Species of fill, size, check there is no debris, and soil moisture content control within the design range. Tier 3, fill casting: each layer thickness according to soil, density to determine requirements and equipment performance. 4, as needed when rolling, wheel (RAM) track lapping each other, prevent leaks RAM leakage. Aspect is high, filling segments. Each layer into slope-shaped seams, ground track about overlapping 0.5-1.0M, is less than the distance from the upper and lower joints 1M. 5, fill out the base surface, we will do the edge compaction quality assurance work. After the earth-moving, does not require trimming of the slope would be preferable to filling edge fill 0.5 m wide called slope rides on and shoot, wide filling 0.2m. 6, in machinery construction not rolling the filling position, manual blade filled with frog-type ramming machine or diesel hierarchical dynamic compaction-compacting. 9, rain during construction: (1) in the rain during embankment construction, we will be completed as soon as possible a continuous; face do not seek too large, hierarchical segment-by-film basis, important or special backfill, as completed by the rain. (2) in the rain at the time of construction, check all the rain 南投看守所表示，在羁押一个多月期间，林于如虽然正常作息，但她情绪紧绷，不易入眠，所方每周都安排医师为她看诊，并开助眠药物帮助她入睡。但在她承认杀害母亲后，所方人员发觉她似乎如释重负，睡得比较安稳。 保险利益原则的案例之二 案情介绍: A(男)与B(女)为大学同学，在读期间两人确立了恋爱关系。毕业之后两人分配工作到了不同的地方，但仍然书信往来，不改初衷。A的生日快要到了，为了给他一个惊喜，B悄悄为A投保了一份人寿保单，准备作为生日礼物送给他。谁知天有不测风云，当A从外地匆匆赶往B所在的城市时，却遭遇了翻车事故，A当场死亡。B悲痛之余想到了自己为A投保的保单，于是向保险公司请求支付死亡保险金2万元。保险公司在核保时，得知A这份人寿保单是在本人不知情的情况下，由B擅自购买的。于是，保险公司便以B没有保险利益为由，拒绝给付保险金。B因此将保险公司告上法庭。 判决结果:法院最终支持保险公司的主张。 ith. 3, fill embankment before base and completed the inspection and acceptance of works. 4, before the requirement level elevation sign layout according to the drawing, every nail on the level of a certain distance, elevation of forklift parts according to the design requirements set. 5, according to the site conditions determine the routes of earth-moving machinery, vehicles, and prior checks, reinforce and widen if necessary and other preparatory work. (B) construction processes and methods; 1, process: before filling, and statistics to the existing buildings and trees, the soil on the cave or on the surface of roots, trash and other debris to be cleared. 2, have the soil inspection work. Species of fill, size, check there is no debris, and soil moisture content control within the design range. Tier 3, fill casting: each layer thickness according to soil, density to determine requirements and equipment performance. 4, as needed when rolling, wheel (RAM) track lapping each other, prevent leaks RAM leakage. Aspect is high, filling segments. Each layer into slope-shaped seams, ground track about overlapping 0.5-1.0M, is less than the distance from the upper and lower joints 1M. 5, fill out the base surface, we will do the edge compaction quality assurance work. After the earth-moving, does not require trimming of the slope would be preferable to filling edge fill 0.5 m wide called slope rides on and shoot, wide filling 0.2m. 6, in machinery construction not rolling the filling position, manual blade filled with frog-type ramming machine or diesel hierarchical dynamic compaction-compacting. 9, rain during construction: (1) in the rain during embankment construction, we will be completed as soon as possible a continuous; face do not seek too large, hierarchical segment-by-film basis, important or special backfill, as completed by the rain. (2) in the rain at the time of construction, check all the rain