惩罚性损害赔偿责任的可保性问题研究

责任保险的创设即为分散基于自身原因而可能对他人承担的损害赔偿责任的主体的经济风险,然而这一主旨却似乎削弱甚至违背了惩罚性损害赔偿责任的设置功用。本文即围绕责任保险的承保范围是否包含惩罚性损害赔偿责任,且如若立法未加限制,则该如何协调二者的潜在矛盾,使得该两种制度都发挥其良性作用,而无害于社会公益等展开论述。

The main aim of the liability insurance is to protect the insured against claims alleging bodily injury or property damages resulted from his/her negligence or inappropriate actions, This idea, however, seems to weaken and even contradict to the object and function of punitive damages, It is an important issue whether punitive damages should be covered by liability insurance. This article discusses how to coordinate the liability insurance system and the punitive damages mechanism without doing harm to the public interests when the solution of this issue is not specified by law.