本文選題：貶值損失 + 財產損害��； 參考：《清華法學》2017年04期

【摘要】：汽車貶值損失的本質,在于人們對風險的厭惡心理,使得交易市場對事故車可能存在隱藏瑕疵或致損風險產生消極評價,由此導致涉事汽車在交易市場上較正常價格更低。就此而言,貶值損失是受害人因交通事故所遭受的客觀財產損害,符合相當性要求,應予賠償。在認定貶值損失賠償時,須存在相關交易市場,但不以實際出售或出售意圖為必要;當然,其受致損程度、行駛年限及里程等因素限定。貶值損失的計算,以涉事車輛是否實際出售,分為具體與抽象兩種;在未實際出售的抽象計算情形,應通過司法鑒定,結合各相關因素綜合認定貶值損失大小。在損失分擔上,交強險不包含汽車貶值損失賠償;在加害人有商業第三者責任險情形,保險人對貶值損失預先擬定的免責條款應盡說明義務,否則仍須承擔貶值損失賠償義務。說明義務是否履行,應從說明內容與說明方式兩方面進行認定。
[Abstract]:The essence of automobile depreciation loss lies in people's aversion to risk, which makes the market have negative evaluation on the risk of hidden defects or damage of accident vehicle, which leads to the lower price of the involved car than the normal price in the trading market. In this respect, depreciation loss is the objective property damage suffered by the victim as a result of traffic accident, which meets the requirement of proportionality and should be compensated. In determining the depreciation loss compensation, there must be a relevant trading market, but not the actual sale or sale intention is necessary; of course, its damage degree, driving time, mileage and other factors are limited. The calculation of depreciation loss can be divided into concrete and abstract according to whether the involved vehicle is actually sold or not. In the case of abstract calculation without actual sale, the depreciation loss should be determined by judicial identification and combined with various relevant factors. In the loss sharing, the traffic insurance does not include the automobile depreciation loss compensation; in the injurious person has the commercial third party liability insurance situation, the insurer to the depreciation loss beforehand formulates the exemption clause should explain the obligation fully, otherwise still must bear the depreciation loss compensation obligation. Whether the obligation is fulfilled should be determined from two aspects: the content and the mode of explanation.
【作者單位】： 中國政法大學民商經濟法學院;
【基金】：中國國家留學基金資助
【分類號】：D918.9

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