The Legal Study Of Insurance Concurrence

With the development of economic and insurance industry in our country, more and more people are willing to buy insurances, hoping to reduce or compensate for their future property losses by insurances. Insurance has some functions such as economic compensation, financing, social management and so on, so the insurance can provide strong guarantee for people to prevent some risks, and also make contribution to social stability and economic development. In the face of a variety of insurance demand, insurance companies continue to develop and provide new types of insurance. With the increase of insurance products and insurance business, inevitably will produce the phenomenon of insurance concurrence, which is a common phenomenon in the insurance practice. As we all know,one important principle of insurance the principle of compensation for loss, the insured can not get insurance compensation more than their actual loss, which is to say laws prohibits unjust enrichment. So that we have clear laws about excess insurance and double insurance to guard against the risk of moral hazard, but there is a pity that we have ignored the circumstances of insurance concurrence. What is the exactly definition of insurance concurrence? What are the elements of the insurance concurrence? How to deal with the insurance concurrence? And how to share their responsibilities among the insurers? All these questions are legal blank in our country. However they have a very important theoretical significance for our study about insurance law and practical significance to our practical of insurance industry.It is necessary for us to carry on the corresponding regulation and try our best to improve of the laws about insurance concurrence. As for me, I want to deepen my theory about insurance laws and have a better understanding about the insurance concurrence by this write. What’s more, I really hope that it can in some extent to improve the development of our insurance law as a little humble, hope scholars and insurance practitioners to pay more attention to issues related to insurance concurrence. It is better for us to solve the embarrassing situation which legislative rules of insurance concurrence is blank in our country as soon as possible, so as to promote the healthy development of the insurance business, reasonably and effectively maintain the interests of all the parties in the insurance.