在海上货物保险中保险人可以通过两种途径获得责任免除的效果,一种是案件适用法律中所规定的法定免责事项,另一种是保险人与被保险人在保险合同中所约定的免责事项。以上两种免责理由,不论哪一种被管辖法院所接受,都会对被保险人非常不利。第一种法定免责,由于是通过立法程序体现的,所以它 In the marine cargo insurance, the insurer can obtain the effect of exemption of liability by two ways, one is the legal exemption stipulated in the applicable law of the case, and the other is the exemption of the insurer and the insured in the insurance contract matter. The above two kinds of exemption reasons, no matter which one is accepted by the competent court, will be very unfavorable to the insured. The first statutory exemption, because it is reflected through the legislative process, so it