摘要
UBI车险通过监测驾驶人的驾驶里程以及驾驶行为从而判定个体驾驶人的风险水平进而确定保险费率。此种“一车一价”的保险费定价方式,是保险法“对价平衡原则”的进一步实现。传统保险法律制度中的潜在风险能够在UBI车险中得到抑制,UBI车险能够挑选出更加安全的驾驶人以及激励驾驶人做出更加安全的驾驶行为,是更加公平的保险险种。从法律上看,UBI车险的潜在风险包括个人信息保护风险、定价规则不透明风险、引发反向逆向选择风险等。未来我国法对UBI车险的规制方案主要包括使UBI车险仅限于商业保险、改造风险信息披露规则、加强保险消费者保护、加强个人信息保护以及建立算法审查评议机制。
As for usage-based insurance,the insurance premium rate is determined by monitoring the driver's driving mileage and driving behavior to assess the risk level of the individual driver.This"one rate for one car"mode of determining insurance premium further realizes the"principle of equilibrium"in insurance law.Potential risks in the traditional insurance law system can be suppressed in usage-based insurance.Through usage-based insurance,it is able to select safer drivers and encourage drivers to drive more safely,thus such insurance is a fairer type.From the legal point of view,the potential risks of usage-based insurance lie in those of personal information protection,opaque pricing rules,and causing inverse or adverse selection,etc.In the future,the approach to regulation on usage-based insurance in Chinese law should mainly include limiting usage-based insurance to commercial one,reforming risk information disclosure rules,strengthening insurance consumer protection,enhancing personal information protection,and establishing an algorithm review and evaluation mechanism.
出处
《政治与法律》
北大核心
2023年第4期97-112,共16页
Political Science and Law
关键词
UBI车险
对价平衡原则
风险画像
个人信息保护
算法治理
Usage-based Insurance
Principle of Equilibrium
Risk Profiling
Personal Information Protection
Algorithm Regulation
