【摘要】 保险价值在财产保险中占有核心地位,是确定赔付比例和赔偿限额的标准。在实务和媒体报道中,财产保险索赔争议案例多与对保险价值的不同理解有关。本文将通过案例分析保险法和保险条款对保险价值界定中存在的问题,并对保险价值相关立法和司法解释的进一步完善提出合理建议。更多还原

【Abstract】 Insurance value is at the core of property insurance.It is the criterion to decide on the claim payment ratio and limits.In operational practices and media reports,many property insurance claim disputes arise from different interpretation of insurance value.The paper analyzed on existing problems regarding definition of insurance value in the Insurance Law and insurance contract provisions through a case study,and offered suggestions on further enhancement of legislation and legal interpretation of the concept of insurance value.更多还原