保险法视阈下的最大诚信原则研究——基于100个机动车辆险诉讼案例视角的实证分析

Study of the Principle of Utmost Good Faith in Insurance Law——Empirical Analysis of 100 Motor Vehicle Insurance Litigation Cases

最大诚信原则作为保险法基本原则之一,是保险经营的"生命线"。当前保险业"诚信缺失"现象严重,本文基于车险诉讼案例视角,通过考察涉及最大诚信原则的示范性判例,客观分析司法实务视野下的最大诚信原则"陷入危机"的原因,提出重塑保险实务中最大诚信原则"圭臬地位"的策略。

The principle of utmost good faith is one of the basic principles of insurance law. It is the lifeline to insurance business. Currently the lack of credibility is serious in insurance industry. Based on insurance litigation cases,this paper studies the cases involving the principle of utmost good faith,analyses why the principle of utmost good faith is in crisis from judicial practice,and put forwards some strategies to reshape the standard position of utmost good faith principle in insurance practice.