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承運人責任險什么意思，承運人責任險條款有哪些

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發布時間：2018/8/26
承運人責任險，是一(yi)種責任保(bao)險。那么(me)“承運人責任險什么(me)意思，承運人責任險條款有哪些”
承運(yun)人責任險什么意思
 承運(yun)人責任險(xian)
所謂“保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)”，是(shi)指(zhi)投保(bao)(bao)(bao)人根據合同約定(ding)，向保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人支付保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)費，保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人對于合同約定(ding)的(de)可(ke)能發(fa)生的(de)事故因(yin)其發(fa)生所造成的(de)財產(chan)損失承擔賠(pei)償(chang)(chang)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)金(jin)責任賠(pei)償(chang)(chang)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)金(jin)責任，或(huo)者(zhe)當被保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人死亡、傷殘、疾病或(huo)者(zhe)達(da)到(dao)合同約定(ding)的(de)年齡(ling)、期限進承擔給付保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)金(jin)的(de)商業保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)行為。
所謂“責(ze)(ze)(ze)任保(bao)(bao)(bao)險(xian)(xian)”，是(shi)指(zhi)以被保(bao)(bao)(bao)險(xian)(xian)人的民事(shi)賠償(chang)責(ze)(ze)(ze)任為(wei)標的保(bao)(bao)(bao)險(xian)(xian)。  所謂“承(cheng)運(yun)人責(ze)(ze)(ze)任險(xian)(xian)”，是(shi)指(zhi)客運(yun)經營(ying)者(zhe)、危險(xian)(xian)貨(huo)(huo)物(wu)運(yun)輸(shu)經營(ying)者(zhe)根據(ju)有關法律、行政法規和規章的規定，保(bao)(bao)(bao)險(xian)(xian)自己(ji)在(zai)運(yun)輸(shu)過程中發生交通事(shi)故或者(zhe)其他(ta)事(shi)故，致使旅(lv)客遭受人身傷亡和直接財產損(sun)失或者(zhe)危險(xian)(xian)貨(huo)(huo)物(wu)遭受損(sun)失，依法應(ying)當由被保(bao)(bao)(bao)險(xian)(xian)人對旅(lv)客或者(zhe)危險(xian)(xian)貨(huo)(huo)物(wu)貨(huo)(huo)主承(cheng)擔的賠償(chang)責(ze)(ze)(ze)任，由保(bao)(bao)(bao)險(xian)(xian)公(gong)司在(zai)保(bao)(bao)(bao)險(xian)(xian)責(ze)(ze)(ze)任限額(e)內給予(yu)賠償(chang)的法律制度。這是(shi)國家為(wei)了(le)保(bao)(bao)(bao)護道路運(yun)輸(shu)受害人能(neng)夠得(de)到及時救(jiu)助或賠償(chang)而采取的一項強(qiang)制保(bao)(bao)(bao)險(xian)(xian)制度。
承運人(ren)責任險條款有哪些
承運(yun)人責任(ren)險
由(you)于(yu)運(yun)(yun)輸(shu)(shu)工(gong)具種類(lei)繁多(duo)，運(yun)(yun)輸(shu)(shu)對(dui)象可分為(wei)客(ke)、貨兩種，運(yun)(yun)輸(shu)(shu)方式又(you)可分為(wei)直接(jie)運(yun)(yun)輸(shu)(shu)和間接(jie)運(yun)(yun)輸(shu)(shu)，承運(yun)(yun)人(ren)責任保(bao)險(xian)(xian)就只能基于(yu)以上分類(lei)設計各種保(bao)險(xian)(xian)方案以滿足(zu)投保(bao)人(ren)的(de)需要(yao)。較常見的(de)承運(yun)(yun)人(ren)責任保(bao)險(xian)(xian)有(you)以下(xia)幾類(lei)，旅(lv)客(ke)責任保(bao)險(xian)(xian)，承運(yun)(yun)貨物責任保(bao)險(xian)(xian)，運(yun)(yun)送(song)人(ren)員意(yi)外責任保(bao)險(xian)(xian)等。
1．旅客責任保險(xian)
旅(lv)客(ke)責(ze)任(ren)(ren)保(bao)(bao)險(xian)(xian)(xian)(xian)，是(shi)承運人(ren)責(ze)任(ren)(ren)保(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)(de)專用險(xian)(xian)(xian)(xian)種，它承保(bao)(bao)被(bei)(bei)保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)在(zai)運送(song)旅(lv)客(ke)的(de)(de)(de)途中，因發(fa)生意外(wai)事故而致使旅(lv)客(ke)人(ren)身傷亡(wang)或(huo)(huo)行李損(sun)失(shi)，依法(fa)應由被(bei)(bei)保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(承運人(ren))承擔的(de)(de)(de)經濟賠償責(ze)任(ren)(ren)。這(zhe)里的(de)(de)(de)旅(lv)客(ke)是(shi)指(zhi)購買了(le)車票、機票的(de)(de)(de)乘客(ke)或(huo)(huo)被(bei)(bei)保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)同意免費(fei)搭載的(de)(de)(de)乘客(ke)，但(dan)不包括為(wei)完(wan)成被(bei)(bei)保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)的(de)(de)(de)任(ren)(ren)務而免費(fei)搭載的(de)(de)(de)人(ren)員，如飛機上(shang)的(de)(de)(de)空中小姐、火車上(shang)的(de)(de)(de)乘務員等(deng)。由于各國(guo)的(de)(de)(de)旅(lv)客(ke)責(ze)任(ren)(ren)普遍采取(qu)強制保(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)(de)方(fang)式，故在(zai)保(bao)(bao)險(xian)(xian)(xian)(xian)市(shi)場上(shang)又稱為(wei)旅(lv)客(ke)法(fa)定責(ze)任(ren)(ren)保(bao)(bao)險(xian)(xian)(xian)(xian)。
旅(lv)客(ke)(ke)責(ze)任(ren)(ren)(ren)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)按保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)區域劃分(fen)(fen)，可分(fen)(fen)為境內的(de)旅(lv)客(ke)(ke)責(ze)任(ren)(ren)(ren)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)和(he)國(guo)際(ji)(ji)運輸(shu)線上的(de)旅(lv)客(ke)(ke)責(ze)任(ren)(ren)(ren)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)，前者由(you)(you)國(guo)家法(fa)律(lv)和(he)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)合同規(gui)(gui)范，后(hou)者由(you)(you)國(guo)際(ji)(ji)公(gong)(gong)約或國(guo)家法(fa)律(lv)及(ji)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)合同規(gui)(gui)范。境內旅(lv)客(ke)(ke)負(fu)責(ze)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)按運輸(shu)工具劃分(fen)(fen)，又可分(fen)(fen)為飛機、公(gong)(gong)路(lu)、鐵路(lu)旅(lv)客(ke)(ke)責(ze)任(ren)(ren)(ren)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)，船舶旅(lv)客(ke)(ke)責(ze)任(ren)(ren)(ren)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)，公(gong)(gong)共汽車及(ji)市(shi)內輪渡旅(lv)客(ke)(ke)責(ze)任(ren)(ren)(ren)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)，其他運輸(shu)工具旅(lv)客(ke)(ke)責(ze)任(ren)(ren)(ren)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)。國(guo)際(ji)(ji)旅(lv)客(ke)(ke)責(ze)任(ren)(ren)(ren)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)，主要有飛機旅(lv)客(ke)(ke)責(ze)任(ren)(ren)(ren)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)和(he)海運旅(lv)客(ke)(ke)責(ze)任(ren)(ren)(ren)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)。
旅客責(ze)(ze)任(ren)(ren)保(bao)(bao)(bao)險的(de)保(bao)(bao)(bao)險合同一般將旅客的(de)行(xing)李(li)(隨身攜(xie)帶(dai)(dai))包括在內，即保(bao)(bao)(bao)險人(ren)(ren)不僅承(cheng)(cheng)保(bao)(bao)(bao)承(cheng)(cheng)運(yun)人(ren)(ren)對旅客人(ren)(ren)身傷(shang)(shang)害的(de)法律(lv)賠(pei)償責(ze)(ze)任(ren)(ren)，而且承(cheng)(cheng)保(bao)(bao)(bao)承(cheng)(cheng)運(yun)人(ren)(ren)對旅客隨身攜(xie)帶(dai)(dai)行(xing)李(li)損(sun)失的(de)法律(lv)賠(pei)償責(ze)(ze)任(ren)(ren)，但旅客托運(yun)的(de)行(xing)李(li)或貨物除外。保(bao)(bao)(bao)險人(ren)(ren)還可以擴展(zhan)被(bei)保(bao)(bao)(bao)險人(ren)(ren)的(de)非過(guo)失責(ze)(ze)任(ren)(ren)。如不可抗力造成旅客傷(shang)(shang)亡(wang)或行(xing)李(li)損(sun)失，被(bei)保(bao)(bao)(bao)險人(ren)(ren)(承(cheng)(cheng)運(yun)人(ren)(ren))不承(cheng)(cheng)擔賠(pei)償責(ze)(ze)任(ren)(ren)，但承(cheng)(cheng)運(yun)人(ren)(ren)為提高信譽并保(bao)(bao)(bao)障(zhang)旅客的(de)權益，可以要求擴展(zhan)承(cheng)(cheng)保(bao)(bao)(bao)該部(bu)分(fen)責(ze)(ze)任(ren)(ren)。
旅(lv)客責任保險(xian)(xian)的(de)保險(xian)(xian)費(fei)的(de)確定除了要(yao)(yao)依據賠(pei)償(chang)限額外，還要(yao)(yao)考慮運(yun)輸(shu)工(gong)具、運(yun)輸(shu)區域、運(yun)輸(shu)中的(de)風險(xian)(xian)以及(ji)運(yun)輸(shu)工(gong)具的(de)座位數(shu)、賠(pei)償(chang)限額等(deng)因素。
2．承運貨物責任保(bao)險(xian)
承(cheng)(cheng)運貨(huo)(huo)物(wu)(wu)責(ze)(ze)任(ren)(ren)(ren)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，承(cheng)(cheng)保(bao)(bao)(bao)(bao)承(cheng)(cheng)運人對其所(suo)運貨(huo)(huo)物(wu)(wu)的(de)(de)(de)損(sun)(sun)(sun)(sun)害賠(pei)(pei)償(chang)(chang)責(ze)(ze)任(ren)(ren)(ren)，它(ta)一般分為航空(kong)貨(huo)(huo)物(wu)(wu)責(ze)(ze)任(ren)(ren)(ren)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)和內陸貨(huo)(huo)物(wu)(wu)責(ze)(ze)任(ren)(ren)(ren)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)兩類(lei)。航空(kong)貨(huo)(huo)物(wu)(wu)責(ze)(ze)任(ren)(ren)(ren)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，承(cheng)(cheng)保(bao)(bao)(bao)(bao)航空(kong)公(gong)司(si)在(zai)受(shou)托運送貨(huo)(huo)物(wu)(wu)時(shi)(shi)可(ke)能(neng)發生的(de)(de)(de)損(sun)(sun)(sun)(sun)害賠(pei)(pei)償(chang)(chang)責(ze)(ze)任(ren)(ren)(ren)，該(gai)項責(ze)(ze)任(ren)(ren)(ren)貫穿于(yu)從(cong)貨(huo)(huo)物(wu)(wu)交(jiao)由航空(kong)公(gong)司(si)承(cheng)(cheng)運時(shi)(shi)開(kai)始(shi)至到達目的(de)(de)(de)地交(jiao)付收貨(huo)(huo)或辦妥轉(zhuan)運手續時(shi)(shi)為止的(de)(de)(de)整個運輸過程(cheng)。水陸貨(huo)(huo)物(wu)(wu)責(ze)(ze)任(ren)(ren)(ren)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，適用于(yu)各種船(chuan)(chuan)舶、火車(che)、汽車(che)及(ji)其他(ta)(ta)各種水陸交(jiao)通運輸工具承(cheng)(cheng)運的(de)(de)(de)貨(huo)(huo)物(wu)(wu)。參加這項保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)后，如其所(suo)運的(de)(de)(de)貨(huo)(huo)物(wu)(wu)因承(cheng)(cheng)運車(che)、船(chuan)(chuan)等遭遇火災(zai)、爆炸傾(qing)覆以及(ji)船(chuan)(chuan)舶的(de)(de)(de)觸礁擱淺、沉(chen)沒等意外事(shi)故(gu)所(suo)造(zao)成的(de)(de)(de)貨(huo)(huo)物(wu)(wu)損(sun)(sun)(sun)(sun)失(shi)(shi)，在(zai)法律或合(he)同中(zhong)規(gui)定(ding)應由承(cheng)(cheng)運人負責(ze)(ze)賠(pei)(pei)償(chang)(chang)時(shi)(shi)，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人予(yu)以負責(ze)(ze)。但承(cheng)(cheng)運貨(huo)(huo)物(wu)(wu)的(de)(de)(de)損(sun)(sun)(sun)(sun)耗、貨(huo)(huo)物(wu)(wu)本(ben)質(zhi)上的(de)(de)(de)缺(que)陷、霉爛、變(bian)質(zhi)、裝卸(xie)過程(cheng)中(zhong)所(suo)致的(de)(de)(de)損(sun)(sun)(sun)(sun)失(shi)(shi)以及(ji)運輸過程(cheng)中(zhong)的(de)(de)(de)丟(diu)失(shi)(shi)、短量，被保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人或其代(dai)理人及(ji)其駕駛人員的(de)(de)(de)違章裝卸(xie)和其他(ta)(ta)故(gu)意行為所(suo)致的(de)(de)(de)損(sun)(sun)(sun)(sun)失(shi)(shi)。保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人不負責(ze)(ze)賠(pei)(pei)償(chang)(chang)。

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