略论责任保险中的连带责任承担

On the Joint Responsibility of Liability Insurance

在共同侵权情形下,在若干个共同侵权行为人当中如果只有一人购买了责任保险,那么保险公司应当以被保险人全部的连带责任为承保范围进行赔付,还是应当以被保险人与其他侵权人之间的责任比例分担为承保范围进而赔付?相类似的案件在不同的地方法院当中却存在着截然不同的判决。本文拟对此问题进行分析并得出结论。

Whether the insurer shall bear joint responsibility for the victim due to the presence of contributory infringement,the question is that the insurance company shall pay the cost covering the liability of all offenders or simply indemnify according to the proportion of liability divided between the insured and other infringers.Court rulings of similar cases in different district courts vary greatly from each other. This paper aims at analyzing this issue and reaches at a conclusion.