论保险法中的近因原则及其应用——一起财产保险判例的启示

近因原则是保险损害赔偿中的重要原则,司法实践中近因原则已经成为判断保险人是否应承担保险责任的一个重要标准。在存在多个致损原因的情况下,可以运用近因原则判断保险事故发生的直接原因。

Principle of proximate cause is an important principle in insurance damage compensation There is no clear stipulation of principle of proximate cause in Chinese law. However, the principle has been an important standard to judge if insurers should undertake the responsibility in our judicial practice. We can use principle of proximate cause to judge the cause of insurance accident in the condition of existing several causes of damage.