A Probe into Double Insurance System

This paper mainly relates the Double Insurance System in INSURANCE LAW which was amended in 2002.It points out the imperfection of the system including the unclear delimtation of duplication insurance,the inexact division of property insurance and personal insurance,the vague notification obligation,the unscientific ways of taking responsibility and the absense of the provisions for returning charges.At the same time,some corresponding suggestions are offered,the double insurance is defined from the narrow sense,commercial insurance in divided into loss-compensation insurance and quota-paid insurance or draws out the health and injury insurance from personal insurance,it illustrates clearly the notification obligation items and legal consequences which insurance applicants have to carry out.It adopts solidarist responsibility patterns and prescribes reasonable standards for returning charges.