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《中华人民共和国保险法》第41条规定：“保险事故发生时，被保险人有责任尽力采取必要措施防止或者减少损失。保险事故发生后，被保险人为防止或减少保险标的损失所支付的必要的、合理的费用，由保险人承担；保险人所承担的数额在保险标的损失赔偿金额以外另行计算，最高不超过保险金额的数额。”本条即关于减损费用之规定，其立法意旨主要是规范保险事故发生后，被保险人的防范责任和保险人为此所支持费用的责任①。
Article 41 of the Insurance Law of the People’s Republic of China stipulates: “When an insured event occurs, it is the responsibility of the insured to try its best to take the necessary measures to prevent or reduce the loss. After the insured event occurs, the insured person pays for the loss or loss of the insured object , Reasonable costs borne by the insurer; the insurer shall bear the amount borne by the insured subject to damages other than the amount of compensation calculated separately up to the amount of the insured amount. ”This section is about derogatory expenses, the legislative intent is to regulate the insurance After the accident, the insured person’s responsibility to guard against and the insurer’s responsibility for the support costs ①.