摘要
保险人恶意违约制度是美国法院在司法实践中形成的对保险人恶意违反保险合同约定认定为侵权而判定保险人承担超过保单限额责任的一种具有独创性的判例规则,是侵权法向合同领域扩张的一个例证。该规则突破了合同法传统违约救济制度面临的困境,有效矫正了保险合同中保险人和被保险人的失衡地位。保险人恶意违约制度确定了保险人恶意违约的判断标准、行为性质和责任范围,这些都值得我国保险立法和实践吸纳,以解决我国大量存在的保险"理赔/给付纠纷"。
The system of insurers＇ malevolent breach of contract created by the American courts in the ju- dicial practice is an original case rule that views the insurer＇s failure to pay or delayed payment to the insured and refuse to defend it as a tort and makes the insurers take the liability beyond the coverage of policy. This rule is an example that tort law expands into the field of law of contract. The rule of insurers＇ malevolent breach of contract breaks through the dilemma faced by the traditional system of breach of contract in contract law, and effectively corrects the imbalance between the insurer and the insured in the insurance contract. This rule establishes the criteria, the nature of the behavior, and the scope of responsibility about the insurers＇bad faith breach of contract, all of these are worthy of being absorbed in our insurance legislation and practice, so as to solve the insurance ＂claims/payments disputes＂ in China.
出处
《政法论坛》
CSSCI
北大核心
2017年第3期156-165,共10页
Tribune of Political Science and Law
基金
浙江省高校人文社科重点研究基地浙江工商大学法学基地2016年度立项课题(项目编号:2016B007)的研究成果
关键词
保险
恶意违约
非物质损害
诚信和公平交易
矫正正义
Insurance
Malevolent Breach of Contract
Non - Material Damages
Good Faith and Fair Trading
Corrective Justice
