摘要
现有的司法裁判规则关于保全错误以及相应损失的认定具有明显的不确定性。诉讼财产保全责任保险有内外两个不同的法律关系。对内是责任保险合同关系,对外则是司法担保关系。在财产保全损害赔偿责任纠纷中,保险公司难以以内部保险合同关系为由进行抗辩。从诉讼财产保全责任保险的双重性质,以及推出后不断产生的新型风险看,对拟承保案件,不仅要从诉讼案件本身评估承保风险,更要结合多种因素判断当事人保全的目的等。同时应当有意识地建立全面的风险评估体系和后续的风险管理系统。
The existing rules of judicial judgment have obvious uncertainty about the preservation error and the determination of the corresponding loss.There exists two different kinds of legal relationship concerning property preservation liability insurance:liability insurance contract and security for property preservation.It’s difficult for insurance companies to defend themselves during litigations on the basis of internal insurance contracts relationship.Based on the dual nature of the property preservation liability insurance,and the new risks that are emerging since its launch,insurance companies have much to do.For the cases to be insured,it is not only to evaluate the risk from the lawsuit itself,but also to judge the purpose of the party's preservation with various factors.
出处
《保险职业学院学报》
2019年第1期79-84,共6页
Journal of Insurance Professional College
关键词
诉讼财产保全责任保险
损失认定
保全担保关系
保险合同关系
财产保全制度
Property preservation liability insurance
Wrongfully property preservation
Damages determined
Security for property preservation
Insurance contracts relationship
Property preservation
