保险人恶意违约制度研究——以美国保险判例为视角

发布时间：2018-06-21 19:31

  本文选题：保险 + 恶意违约　； 参考：《政法论坛》2017年03期

【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"。
[Abstract]:The malicious breach of contract system of insurer is a kind of original case rule formed by American court in judicial practice, which determines the insurer to bear the liability beyond the limit of the insurance policy because the insurer is found to be infringing by maliciously violating the insurance contract agreement. It is an example of the expansion of tort law into the field of contract. This rule breaks through the dilemma of the traditional remedy system of breach of contract law and effectively corrects the imbalance between the insurer and the insured in the insurance contract. The malicious breach of contract system of the insurer determines the judgment standard, the nature of behavior and the scope of liability of the insurer's malicious breach of contract, all of which are worthy of our country's insurance legislation and practice to absorb, in order to solve a large number of insurance "settlement / payment disputes" in our country.
【作者单位】： 浙江工商大学法学院;
【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
【分类号】：D971.2;DD912.28
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本文编号：2049769