賠償請求暨通報基礎責任保險之賠償請求及通知條款

Claim and Notice Provision in the Claims-Made and Reported Basis Liability Insurance

賠償請求暨通報基礎責任保險單通常會約定，被保險人向保險人發送賠償請求通知時，必須於保險單期間內或保險單期間終了後一定期間內為之。該保險單承保範圍之啟動事件乃於保險單期間內向被保險人提出之賠償請求。啟動承保範圍者係第三人所提出之賠償請求，並非係對賠償請求人造成損害或傷害之事故發生。然而，何種情況始構成賠償請求？又於何時始可謂賠償請求已提出？依賠償請求暨通報基礎責任保險單約定，於保險期間或延長通報期間終了前，被保險人必須向保險人為通知，其係保險人承保在內之先決條件。違反前述先決條件者，保險人將不予理賠。

Claims-made and reported basis liability policy usually requires the insured to give notice of claim to the insurer during the policy period or within a certain time period after the expiration of the policy. The coverage trigger of the policy is the making of claim against the insured during the policy period. It is the making of claim by a third-party, not the occurrence of injury or damage to the claimant. But, what constitutes a claim? And when is it made? Under claims-made and reported basis liability policy, notice by the insured to the insurer before the policy period or the extended reporting period expires is a condition precedent to coverage. If this condition is breached, the insurer may deny coverage.