责任保险在多元化救济体系中的位置及其法律环境分析

The Role of Liability Insurance in a Multi-polar Relief System and the Legal Environment

责任保险是多元化损害救济体系的重要组成部分,但其自身有明显局限性。责任保险发展高度依赖法律环境,当前存在责任保险立法体系不完善、法律体系内部不协调、司法中过度强调责任保险的损害填补工具属性等问题。发展责任保险,首先应准确界定其在多元化救济体系中的位置,不过高,也不过低;其次应从立法和司法两个方面完善和健全法律环境;同时还应准确把握侵权责任与保险责任、责任保险与社会保险的区分等实践焦点问题。

Liability insurance is an important component of a multi-polar distress relief system, but it has an inher- ent limitation. The development of liability insurance is highly dependent on the legal environment. Currently, there exist the problems of incomplete legislation on liability insurance, lack of coordination within the legal system, and undue emphasis on the liability insurance＇ s property of damages compensation in jurisdiction. To develop liability insurance, we should first delineate its position in the relief system, not too high or too low. Secondly, we should complete the legal system from both legislation and jurisdiction. Moreover, we should properly handle some focal so- cial issues, such as differentiation between tort and insurance liability, and liability insurance and social insurance.