摘要
帅英骗保案属于同时符合《保险法》规定,即具备民法意义上的有效性,但同时符合保险诈骗罪的构成要件,即具备刑法意义上的违法性的典型“刑民冲突案件”。司法实践常因案件在民法上有效但构成刑法上的犯罪而在罪与非罪的判断上莫衷一是,理论界则因混淆民事法律行为的有效性和民事法律行为的合法性而将此类案件误以为是刑民冲突案件,从而以法秩序统一原理为指导原则,基于不同的立场和理解得出相对立的结论,这说明法秩序统一原理无法为“刑民冲突案件”的出入罪提供明确实用的标准,此时应当结合保险合同的射幸性质以及客观归责理论的可允许风险为以帅英骗保案为典型的“刑民冲突案件”的出入罪提供可行的判断标准。
The insurance fraud case of ShuaiYing is a typical “conflict of laws” case that complies with the provisions ofthe Insurance Law, that is, it has validity in the sense of civil law, but alsomeets the constitutive elements of the insurance fraud crime, and it has theillegality in the sense of criminal law. The judicial practice realm doesn’treach a consensus in terms of the qualitative aspects of such behavior;theacademic realm is confused between the validity and legality of civil juristicacts and always mistakes them for conflict of laws cases, and they often drawantagonistic conclusions based on different understandings of the principle oflegal order’s unity, which suggests the principle can’t provide a clear andpractical standard for such conflict laws cases. So in order to offer a clearstandard for such a case, we should combine the nature of the aleatory contractin the insurance contract and the theory of tolerable risk in objectiveimputation theory.
出处
《争议解决》
2021年第4期153-162,共8页
Dispute Settlement
