仲裁条款 (Arbitration Clause)
仲裁Arbitration Clause 的背景
在涉及未投保驾驶人的事故中，被保险人向自己的保险公司索赔，以弥补对方驾驶人的过失行为造成的损失，因此，被保险人和保险公司在技术上是“对手”。
- 确定过失： 提出未投保驾驶人索赔的被保险人必须根据证据说服自己的保险公司：未投保的驾驶人对事故负有过错。达成和解： 一旦确认过失，被保险人需要与自己的保险公司就应支付的人身伤害金额达成和解。仲裁介入： 如果双方无法就人身伤害的赔付金额达成一致，仲裁程序就会启动。
仲裁的程序
如果双方无法就承保范围是否存在或赔付金额达成一致，任何一方都可以要求仲裁：
- 费用分摊： 双方必须平均分摊仲裁费用。仲裁员选择： * 双方各选择一名仲裁员。这两名仲裁员再共同选择第三名仲裁员。法院介入： 如果在三十（30）天内未能就第三名仲裁员达成一致，任何一方都可以请求法官进行仲裁员的选定。仲裁地点： 仲裁在被保险人居住地的法院进行。裁决的约束力： 只要两名仲裁员同意的裁决，对双方都具有约束力（即必须遵守）。
Arbitration Clause
Another clause that comes into play with Part C is the arbitration clause. In the case of an uninsured driver, the insured and the company are technically opponents since the insured driver is seeking funds from the insurer for a negligent act of the other driver. To be clear, an insured presenting an uninsured motorist claim must convince their insurance company based on the evidence that the uninsured driver was at fault in the accident. Once that standard is met, the insured has to reach a settlement with their own company, and at this point, the use of arbitration comes into play when the parties cannot reach an agreement regarding the amount to be paid for bodily injury.
If the parties cannot agree on the existence or amount of coverage, then either party may demand arbitration. Each party must equally share the expense of arbitration. Each party selects an arbitrator, and the two arbitrators select a third. If there is no agreement within thirty (30) days, either party may request the selection of an arbitrator to be made by a judge. The arbitration happens in the courts where the insured lives, and a decision agreed to by two arbitrators is binding on both parties.
