摘要： 候保期间发生保险事故是否应当赔付的问题，是困扰我国司法界的一个难题。如果投保人在投保前已经交付保险费，基于对价平衡、合理期待等理论，保险人应当承担候保期间事故的赔付责任。学术界对此种赔付的性质有三种不同认识：缔约过失责任、侵权责任以及未成立之保险合同的契约责任，但这三种认识都存在问题，保险人承担的责任应当为临时保险的契约责任。我国未来建立临时保险制度的方向应当确定为：在投保人已经交付保险费的情况下，保险人必须提供不附条件的临时保险；在投保人未交付保险费的情况下，保险人可以自愿为被保险人提供临时保险。

关键词: 临时保险, 候保期间, 事故赔偿

Abstract: Whether the insurer should pay for the accidents during insurance waiting period is a difficult problem forChinese judicial circles. On account of the theories of consideration equation and reasonable expectation, if theapplicant had paid premium to the insurer before application, the insurer should give proceeds to the insured.There are three different views about the nature of the payment: the liability for fault of contracting, the liabilityof tort and the liability for the future contract. However these are all incorrect views. The nature of payment is acontract liability of temporary insurance. The direction of Chinese system of temporary insurance is that the insur-er must provide temporary insurance without any condition to the insured if the applicant had paid premium, andthe insurer may provide temporary insurance to the insured if the applicant had not paid premium.

Key words: Temporary Insurance, Insurance Waiting Period, Accident Compensation