從承保範圍與追償論確實保證保險於保險契約法規範之妥適性A Study on the Appropriateness of Surety Bond Regulations in Insurance

摘要
　　現行保險法將保證保險放諸於保險契約法中，以財產保險損失填補之概念規範保證保險。然而，確實保證保險單之承保範圍、保險人責任與追償權之行使，在保險契約法第1條、第29條第2項、第53條之適用上卻存在著疑義。本文檢討保證保險單條款承保範圍與追償條款之約定內容，釐清確實保證之法律性質，並進一步探討確實保證於保險契約法財產保險章規範與適用損失填補之妥適性。
關鍵字：確實保證保險、承保範圍、代位、追償
Abstract
　　Surety bond regulations appear in Insurance Contract Law and are regulated by the concept of compensation for loss in property insurance in Taiwan. Nevertheless, the provisions on the insurance coverage extent, insurer’s liability and its exercise of recourse rights in surety bond policy contradicts the current Insurance Act article 1, 29b, and 53. To agree with the prevailing insurance codes, this paper would review and examine the aforesaid provisions closely for their contents. We clarify legal nature and the appropriateness to apply the principle of indemnity on the surety bond through the enactment of certain regulations under insurance contract law would be analyzed.
Keywords: surety bond, coverage, subrogation, recourse