论不定值保险下保险价值的确定与举证责任

On the Determination of the Value Insured and the Burden of Proof under the Unvalued Insurance

摘要: 不定值保险是指仅约定保险金额，而未约定保险价值的保险。保险事故发生后，应当推定不定值保险下保险价值与保险金额一致。但保险人有权主张依照不足额保险或超额保险的规定减轻责任并承担举证责任，此时保险标的的实际价值应以保险事故发生时的价值为准。保险人举证不能的，法院可依职权认定存在超额保险，但不应依职权认定存在不足额保险。

Abstract: Unvalued insurance refers to an insurance policy that specifies only the amount insured, without indicating the value insured. Following the occurrence of an insured event, it is presumed that the value insured under unvalued insurance aligns with the amount insured. However, in cases where there is insufficient or excess insurance, the insurer retains the right to claim liability reduction and bears the burden of proof. In such instances, the actual value of the subject matter at the time of occurrence determines its worth. Failure on part of the insurer to provide evidence may lead to a determination by court regarding excess insurance according to its own authority; however, it shall not conclude insufficient insurance.