论保险法上的因果关系原则

On the Principle of Causality in Insurance Law

因果关系原则是保险损害赔偿中的重要原则,它直接决定保险人是否承担保险合同项下的赔付责任。我国保险相关立法对此未做明文规定,实务中,理赔与诉讼往往运用英美法上的近因原则,成文法的缺失导致实践中保险理赔的诉讼案件判决不一。因此,在分析了保险法上各种因果关系的判断标准后,建议建立我国保险法上的近因原则,并提出其相应的应用规则以实现其可操作性。

As the significant principle of claiming damage in insurance, the principle of causality determines insurer＇s compensating liability under insurance contract. That there is no stipulation in Chinese law leads to the difference judgment in litigation. In practice, the principle of proximate cause is applied in claiming damage and litigation. This paper concentrates on the establishment of the principle of proximate cause and its applying rules in Chinese insurance law after analyzing respective criteria.