互撞免赔协议 knock-for-knock agreement

为了节省实施代位求偿权而产生的管理和法律费用，在承保汽车车辆的保险公司之间所达成的一种协议。规定签约公司所承保的汽车发生碰撞时，各保险公司赔偿各自承保车辆的损失，而不引用代位求偿权向对方的保险公司追偿损失，即使对方应对损失承担赔偿责任亦不予追偿。后泛指保险公司之间达成的，由各保险公司对其被保险人进行赔偿，而不向对方当事人的保险公司进行追偿的一种免赔协议。

A knock-for-knock agreement is an agreement between two insurance companies whereby, when both companies' policy-holders incur losses in the same insured event (usually a motor accident), each insurer pays the losses sustained by its own policy-holder regardless of who was responsible. The rationale is economic and administrative efficiency: While an insurer may be able to pursue a recovery from the party responsible for an accident or from its policy-holder, this is a costly administrative procedure. The knock-for-knock agreement simplifies recovery claims among insurers and, over time, attributes costs fairly among insurers. 以下为相关例句，供参考：

例句1

However, knock-for-knock agreements between insurers have been criticised as unfair on the party not responsible for an accident. If, for the sake of administrative ease, an insurer pays out to repair damage done to its policy-holder's own car instead of pursuing the party responsible for the accident for all relevant costs, an effective claim is recorded against that policy-holder's insurance record. In this way, knock-for-knock agreements can result in policy-holders finding unexpectedly, when they come to renew their insurance, that they face higher premiums regardless of responsibility for an accident they were involved in.

然而，保险公司之间的互撞免赔协议被批评为对事故非责任方不公平。如果为了便于管理，保险公司支付对投保人自己的汽车造成的损坏进行修理所产生的费用，而不是追究事故责任方的所有相关费用，则根据投保人的保险记录登记有效的索赔。通过这种方式，互撞免赔协议可能会导致投保人意外地发现，当他们来续保时，他们将面临更高的保费，而不管他们所涉及的事故的责任如何。

例句2

In fact, the MACV Staff judge Advocate's office was to play a vital role in the negotiation and implementation of certain claims agreements with the Vietnamese government and the Free World allies which came to be known as "knock-for-knock" agreements. These compacts contained provisions whereby the government of one nation waived the claims against the government of the second nation for damage to government property. The agreements did not, however, waive the personal right of an individual to claim damages in the case of negligence of a member of the force of another allied nation.

事实上，MACV参谋法官辩护律师办公室将在与越南政府和自由世界盟友的某些索赔协议的谈判和执行中发挥至关重要的作用，这些协议后来被称为“互撞免赔”协议。这些契约载有条款，规定一国政府放弃就政府财产损失向第二国政府索赔。然而，这些协议并没有放弃一个人在另一个盟国的部队成员疏忽的情况下要求损害赔偿的个人权利。

例句3

Generally, the operator will engage these services under a master service agreement which sets forth the essential commercial terms under which the work will be performed. One of these terms is the allocation of the risk of loss to people and property. In general, a knock-for-knock agreement means that each party working on an oil and gas worksite—the operator and each contractor—agrees to protect and indemnify all the other parties against injuries to that party's employees and agents, and destruction or damage to that party's property.

一般来说，运营商将根据主服务协议提供这些服务，该协议规定了实施工程的基本商业条款。其中一个术语是对人员和财产损失风险的分配。一般来说，互撞免赔协议意味着在石油和天然气工地工作的每一方——运营商和每一个承包商——同意保护所有其他方雇员和代理人免遭伤害，以及该方财产免遭破坏或损坏，并对此进行赔偿。

例句4

The purpose of the knock-for-knock agreement is that each Insurer should bear responsibility for any damage done to their client's vehicle, without claiming against the other Insurer, even if the other Insurer is at fault.

互撞免赔协议的目的是每个保险人应对其客户车辆的任何损坏承担责任，而无需向另一个保险人索赔，即使另一个保险人有过错。