The scope of insurance liability is the scope of liability for economic loss compensation or personal insurance benefits paid by the insurer. The scope of insurance liability is the core content of the insurance contract, which must be clearly defined. It not only relates to the amount of insurance premium paid by the applicant, but also directly affects whether the insured has the right to claim compensation from the insurer for the damage caused by a specific disaster or accident, and whether the insurer should bear this compensation obligation. Insurance liability includes basic liability and special liability (additional liability). [1]
The basic responsibility is to clarify what danger is insurance risk, and the actual occurrence of insurance risk constitutes an insurance accident. The insurer shall be liable for compensation for the damage caused by the insured accident. Special liability refers to the risk that the applicant and the insurer specially agree to be covered by the insurer on the basis of basic liability, which is also called special risk or additional risk. In order to make the scope of insurance liability more rigorous, the insurance contract also stipulates that the insurer does not bear the exclusions of compensation or payment obligations, so as to clarify what risks are uninsured risks, and the insurer does not bear responsibility for the damage caused by its occurrence. The uninsured risks can be agreed in the contract by enumerating or summarizing. [1]
