Research On The Concurrence Of Liability Insurance

This paper mainly discusses one case of concurrence of liability insurance by case analysis in order to attach great importance to the concurrence of liability insurance in the theory and practice.This paper is divided into three parts. The first part is about the basic situation of case and has listed four different views of whether the Zunyi Branch of the Sun Insurance Company should undertake obligations and how to take responsibility. This part also has listed four controversial focuses of different views:the nature of the liability insurance for the road passenger transport carrier, the influence of liability ratio on liability insurance and insurance claims, the liability insurance of road passenger transport carrier and Motor vehicle traffic accident liability compulsory insurance and the concurrence of liability insurance for the third party liability insurance, the subrogation rights of underwriters.The second part of this paper is about legal analysis of some relevant issues. In this part, by comparing the similarities and differences between the liability insurance and the compulsory insurance of motor vehicle traffic accident liability insurance, this paper has expounded the elements of liability for liability insurance, explained the concept of the concurrence of liability insurance, and compared the similarities and differences between the liability insurance and the multiple insurance in order to make the concept of Concurrence of liability insurance more clearly.Then, this part has further discussed the situation analysis and the solutions of the liability insurance, and has drawn the distribution way of the concurrence of liability insurance. In addition, this part has expounded the subrogation rights of underwriters. The third part has drawn a conclusion by case analysis.In this part, the author has elaborated the impropriety of logical judgment by combining the liability insurance for the road passenger transport carrier and insurance terms of the third party liability insurance,The author suggests that the insurance practice and the judicial practice session is necessary to analyze the competition of liability insurance, so as to achieve the purpose of setting the dispute.