本文選題：保險法　切入點：因果關系　出處：《法學研究》2017年06期

【摘要】：保險法因果關系的判斷只涉及責任成立的問題,而同責任范圍并無關聯(lián)。在因果關系能夠確定的情形下,應當在類型化基礎上適用不同的因果關系判定規(guī)則。前后相繼型因果關系是英美法中適用效力標準的主力近因規(guī)則的前提。同時作用型因果關系中,進一步區(qū)分同時獨立作用型和同時協(xié)同作用型兩種型態(tài),前者宜以充分條件為判定規(guī)則,后者應以條件說判定因果關系,但由于條件說無法在積極意義上肯定保險責任的成立,故需結合其他責任判斷要件判定保險人是否應承擔保險責任。介入其他因素型因果關系中,應考察介入原因力得否中斷先前因果關系發(fā)展型態(tài)。在因果關系不明的情形下,應考察當事人對因果關系不明的可歸責性,在此基礎上借舉證責任解決保險責任承擔問題。若雙方對于因果關系不明均不具歸責性,法院可根據(jù)具體案情判決保險人按照相應比例賠付。保險人責任承擔的判斷以保險法因果關系的判斷為基礎,但仍須結合其他因素認定。
[Abstract]:The judgment of causality in insurance law involves only the question of the establishment of liability, but is not related to the scope of liability. Different rules of causation should be applied on the basis of typology. The successive causality is the premise of the main force rule of effectiveness in Anglo-American law. Further distinguish two types of simultaneous independent action and simultaneous synergism, the former should be based on sufficient conditions as the determination rule, the latter should be based on the condition theory to determine the causal relationship, but because the condition theory can not confirm the establishment of insurance liability in a positive sense. Therefore, it is necessary to judge whether the insurer should bear insurance liability in combination with other elements of liability judgment. In other factor causality, it is necessary to investigate whether the force of intervention can interrupt the former development of causality. In the case of unknown causality, It is necessary to investigate the imputability of the parties to the uncertainty of causality, on the basis of which the burden of proof should be used to solve the problem of insurance liability. If both parties have no imputation for the uncertainty of causality, The court may decide the insurer to pay according to the corresponding proportion according to the specific circumstances of the case. The judgment of the insurer's liability is based on the judgment of the causality of the insurance law, but it must still be determined in combination with other factors.
【作者單位】： 武漢大學法學院;
【基金】：國家2011計劃“司法文明協(xié)同創(chuàng)新中心”(教技函[2013]26號) 教育部人文社會科學研究青年基金項目“保險交易中信息不對稱的法律規(guī)制研究——以保險消費者保護為中心”(項目批準號:14YJC820057)的階段性研究成果
【分類號】：D922.284
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本文編號：1678827