保险法上的因果关系认定与司法推理——以意外死亡保险为例

Causation in Insurance Law and Judicial Inference——The Cases of Accidental Death Insurance

保险法上的因果关系认定,其目的在于界定保险人的赔付责任范围,其背景是保险合同已对保险人的承保范围和除外责任都做出了规定。事实上,在保险案件中,法院在认定因果关系时,往往已融入了对保险合同条款的价值判断。在意外死亡保险中,有关因果关系认定的司法实践充分说明了这一点。在当代社会,法院在认定保险法上的因果关系时,应遵循保护被保险人的合理期待的原则。

The purpose of determination of causation in insurance law is to define the insurer＇s liability,and the determination should be done under the background that the insurance contracts have include the terms about insurance coverage and exception.In fact,the courts have mixed the consideration of the public policy into the determination of causation in the insurance cases.The judicial decisions of causation in the cases of accidental death insurance have showed the above ideas.In modern society,the court should obey the principle of protecting the reasonable expectation of the insured in determining the causation in insurance cases.