關於TRUST裏麵LEGAL OWNER以及相應的保險裏麵NAMED INSURED

（想加內容，可是被推薦了以後無法加。那就再起一篇）

這些天更新保險，一直為這個煩惱。

網上說法亂七八糟。但是還是能理清一點思路：

如果房產是在Trust 裏麵，那麽保險單上的“Named Insured", 以及Trust as "Additional Insured" (or Additional Interest) 如何填寫？

因為，Trustees （就是你自己和家人）仍然是"legal owner of the property in the trust", 所以:

1. "Named Insured" 應該是, e.g. "Trustee David Wang; Trustee Linda Wang"

2.  你的Trust (e.g. "David Living Trust") 應該列為“Additional Interest" 或者 ”Additional Insured"

3.  上麵“1” 不應該是“David Wang; Linda Wang".  因為房子在TRUST 裏麵，作為Trustee:

  a) 你(Trustee David Wang) 是 legal owner.  獨立個人（David Wang) 不是legal owner.  所以TRUSTEE 必須被COVERED。

  b) 訴訟一般都會針對 TRUSTEE （WHO IS THE “LEGAL OWNER”） 而不是”TRUST“ 或者獨立個體（DAVID WANG）

 

還有， Additional Insured 保責任及利益賠償，Additional Interest 僅僅保利益賠償。有些公司對這兩者就沒有選擇餘地（比如 Safeco)

 

不知道大俠們有何見解？

另外，關於誰應該是LEGAL OWNER，有一篇文章：

https://www.tandllaw.com/blog/preliminary-considerations-litigation-involving-trust/

裏麵這麽說：A trust is merely a right in property held in a fiduciary relationship by one party, called the “trustee,” for the benefit of another party, called the “beneficiary.” The trustee holds title to property or “corpus” in the trust, while the beneficiary collects the benefits. With the exception of business trusts, which are generally more akin to corporate entities in their purpose and characteristic of having freely transferable interests, a trust should be considered a relationship to property rather than a separate entity. A trust’s status as a relationship to property rather than an entity presents preliminary issues for a litigator under both federal and state rules of civil procedure.

關鍵點：trust 不是一個legal entity, 所以它不是裏麵財產的legal owner!  Trustee 才是。

 

還有一段話：The trustee, as the legal title holder of the trust’s property or corpus, is generally the real party in interest with the power to prosecute or defend actions in the name of the trust under Fed.R.Civ.P. 17(a). See Coverdell, 335 F.2d at 13; Colorado Springs Cablevision, 579 F.Supp. at 254; Limouze, 397 F.Supp. at 789–90; White, 57 F.R.D. at 130; Powers, 119 Cal.Rptr. at 732; IV Scott, Trusts at § 280. Attorneys seeking to affect a trust through litigation should name the individual trustees as parties in their capacity as “trustee on behalf of” the name of the subject trust.

所以，訴訟的時候，因為財產在trust 裏麵，對方是衝著 trustee 來的。而不是起訴trust.

所以把trustee 列為 Named Insured 才是正確的做法。

 

不知道大俠們有何見解？

 

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