摘要
责任保险事故因其"延伸性"特质而与一般财产保险有异,成为责任保险法制中一个极富争议的问题。随着责任保险从"纯粹损失填补保险"嬗变为"诉讼保险",责任保险事故认定标准也随之转变,"受请求说"主流地位得以确立,成为责任保险立法例及判例的现代发展趋向。但我国《保险法》却未适应时代需求与现代立法趋势做出修改,呈现出诸多不足。为满足责任保险的缔约目的,更为解释论上的连贯性,我国责任保险未来修改时应选择"受请求说"作为责任保险事故认定标准。
The liability insurance accident is different from the general property insurance accident because of its ＂extension＂ characteristics, which is a very controversial issue in the legal system of liability insurance. With the liability insurance evolved from ＂pure indemnity insurance＂ to ＂litigation insurance＂, the identification standard of liability insurance accident has also changed. ＂The requested theory＂ has become the main stream, and the development trend of liability insurance legislation and jurisprudence. But China＇ s ＂Insurance Law＂ has not adapted to the needs of the time and modem legislative trend, thus bearing a lot of deficiencies. In order to meet the contractual purpose of liability insurance and explanatory coherence, when amending China＇ s liability insurance in future,＂ the requested theory ＂ should be adopted as the identification standard of liability insurance accident.
出处
《保险研究》
CSSCI
北大核心
2017年第8期119-127,共9页
Insurance Studies
基金
2017年度教育部人文社会科学研究青年基金项目"责任保险法之现代转型及其制度重构"(项目编号:)
2017年中央高校基本科研业务费专项资金资助"责任保险法之现代转型及其制度重构"(项目编号:17CX04012B)
2016年山东高校人文社科研究计划项目"保险法上损失补偿原则及其当代发展研究(项目编号:J16WB04)"
关键词
责任保险
保险事故
抗辩义务
受请求说
liability insurance
insurance accident
defense obligation
the requested theory
