保险合同是射幸合同,其指向的对象是未来不确定的危险。如果保险人在其提供的格式条款中规定,合同期内保险人对已经发生的事故有权单方面决定是否予以承保,则这一约定违背了保险的性质,排除了被保险人的主要权利,应根据合同法第四十条之规定认定为无效条款,保险人应对保险事故承担赔偿责任。 Insurance contract is shoot fortune contract, the target of which is the future uncertainty of the danger. If the insurer provided in the format of the provisions of the contract during the insurer has the right to unilaterally decide whether to be covered or not, then this agreement goes against the nature of the insurance, excluding the insured's main rights, Should be identified as invalid terms according to Article 40 of the Contract Law, and the insurer shall bear the liability for compensation for the accident.