责任保险中违约责任法律问题研究——以旅行社责任保险为例

Legal Study of Responsibility for the Breach of Contract in Liability Insurance: A Case from the Liability Insurance of Travel Agency

以旅行社责任险为例,探讨在被保险人的法律责任竞合的情况下,责任保险的保障范围。对于因违反安全保障义务而引起的违约责任,其特殊性使其与一般不适宜作为保险标的的违约责任有所区别,因此阻碍其成为责任保险标的的法理障碍并不存在。而对于是否应因保险类别的划分,将此种违约责任归于保证保险的范畴,从该违约责任的性质、责任保险的目的以及区分保险类别的意义等角度做了探讨,认为作为强制责任保险,应对其加以保障。

The ballpark of liability insurance is studied under the situation of legal concurrence of the insured from the It ability insurance of travel agency. The liability for the breach of safety obligation is different from the common ohject of insurance. So the legal obstacle of theory does not exist. The problem is whether the liability is sorted to the bond insur- ance because of the type of insurance. The analysis, including the essence of the liability for the breach of contract, the purpose of the liability insurance and the significance of sorts of insurance, helps to decide it is the compulsory liability in- surance, which should be ensured.