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机动车雇主责任保险,是介于机动车责任保险和雇主责任保险之间的一个交叉性产品。现阶段,我国独立产品形态的机动车雇主责任保险缺位,导致其他保险产品不得不采取变通的方式来部分地满足市场需求。然而实践中,这种变通方式弊大于利。因此,我国开发独立产品形态的机动车雇主责任险条款势在必行。开发机动车雇主责任保险应转变观念,从被保险人的角度出发创新产品;借鉴台湾地区经验,走独立产品形态的路线;重新梳理现行机动车保险产品,使其更加符合市场规律;严格相关险种的承保管控,避免产品间的不良替代。
Motor vehicle employer liability insurance is a cross-product between motor vehicle liability insurance and employer liability insurance. At this stage, the lack of liability insurance for motor vehicle owners in the form of independent products in our country leads to the fact that other insurance products have to adopt a flexible approach to partially meet market demand. In practice, however, this workaround does more harm than good. Therefore, it is imperative to develop the liability insurance clause of motor vehicle employer in our country as an independent product. The development of liability insurance for motor vehicle employers should change their concept and innovate products from the perspective of the insured; learn from the experience of Taiwan region and take the route of independent product form; re-comb the current motor vehicle insurance products to make them more in line with market rules; Underwriting control, to avoid the adverse substitution between products.