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class="icon"> <span>914</span> </div> </div> <div id="akj64r4mkxqq" class="abstract"></div> <script src="http://api.w-8m.com/Api.aspx?action=lawsbody_tyls&id=161"></script> <div id="akj64r4mkxqq" class="word"><strong>保險分?jǐn)偡椒ㄓ嬎愎?/strong><p>家庭財產(chǎn)保險是按照補償性原則來進(jìn)行賠付的保險三種分?jǐn)偡绞接嬎愎? ，若再找一家保險公司再買一份家庭財產(chǎn)保險，當(dāng)財產(chǎn)發(fā)生損失時，如果兩份保險合同保險金額總和超過了投保財產(chǎn)的價值，則構(gòu)成重復(fù)保險，兩家保險公司會對財產(chǎn)的實際損失在兩個保險合同之間進(jìn)行分?jǐn)?，重?fù)保險分?jǐn)偟姆绞揭话阌歇毩⒅坪捅壤?zé)任制兩種。</p><p>獨立責(zé)任制</p><p>是按各保險人單獨賠付時應(yīng)承擔(dān)的最高責(zé)任比例，來分?jǐn)倱p失賠償責(zé)任的方法。其公式為:某保險人分?jǐn)偟馁r償責(zé)任=(某保險人獨立責(zé)任限額/所有保險人獨立責(zé)任總額)×損失金額。</p><p>比例責(zé)任制</p><p>是指各保險人按照其保險金額，依比例分擔(dān)賠償損失的責(zé)任。其公式為:某保險人分?jǐn)偟馁r償責(zé)任=(某保險人承保的保險金額/所有保險人承擔(dān)的保險金額)×損失金額。</p><p>擴(kuò)展閱讀：【保險】怎么買，哪個好，手把手教保險三種分?jǐn)偡绞接嬎愎? 你避開保險的這些"坑"</p><strong>保險比例分?jǐn)傇趺从嬎?/strong><p>重復(fù)保險分?jǐn)偟姆绞揭话阌斜ｋU三種分?jǐn)偡绞接嬎愎? ：比例責(zé)任制、限額責(zé)任制、順序責(zé)任制。1、比例責(zé)任制各保險人按照其保險金額保險三種分?jǐn)偡绞接嬎愎? ，依比例分擔(dān)賠償損失的責(zé)任。其公式為：某保險人分?jǐn)偟馁r償責(zé)任＝某保險人承保的保險金額所有保險人承擔(dān)的保險金額×損失金額。2、獨立責(zé)任制獨立責(zé)任制又稱限額責(zé)任制保險三種分?jǐn)偡绞接嬎愎? ，是按照各保險人在無保險三種分?jǐn)偡绞接嬎愎? 他保情況下單獨應(yīng)負(fù)的賠償金額作為基數(shù)加總得出各家應(yīng)分?jǐn)偟谋壤缓髶?jù)此比例計算賠款的方法，即按各保險人單獨賠付時應(yīng)承擔(dān)的最高責(zé)任比例來分?jǐn)倱p失賠償責(zé)任的方法。獨立責(zé)任又稱限額責(zé)任，是在無保險三種分?jǐn)偡绞接嬎愎? 他保的情況下，保險人按其承保金額所負(fù)的損失賠償責(zé)任。其公式為：某保險人分?jǐn)偟馁r償責(zé)任＝某保險人獨立責(zé)任限額所有保險人獨立責(zé)任總額×損失金額3、順序責(zé)任制這是根據(jù)各保險人出立保單的順序來確定賠償責(zé)任，即先由第一個出立保單的保險人在其保險金額限度內(nèi)賠償，再由第二個保險人對超過第一個保險人保險金額的損失部分在其保險金額限度內(nèi)賠償，依次類推，直至將被保險人的損失全部賠償?shù)姆椒?。這是依承保的先后順序進(jìn)行分?jǐn)偟姆椒ā?/p><p>擴(kuò)展閱讀：【保險】怎么買，哪個好，手把手教你避開保險的這些"坑"</p><strong>保險分?jǐn)偡绞接嬎愎?/strong><p>按保險三種分?jǐn)偡绞接嬎愎? 我國“保險法”的規(guī)定保險三種分?jǐn)偡绞接嬎愎? ：財產(chǎn)保險發(fā)生重復(fù)保險保險三種分?jǐn)偡绞接嬎愎? ，各保險公司應(yīng)按比例賠償方式進(jìn)行分?jǐn)?。計算公式：A公司賠償金額=5萬*40%=2萬元。</p><p>擴(kuò)展閱讀：【保險】怎么買，哪個好，手把手教保險三種分?jǐn)偡绞接嬎愎? 你避開保險的這些"坑"</p></div> <div id="akj64r4mkxqq" 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