论保险法的近因原则

On the Principle of Proximate Cause in Insurance Law

保险法的因果关系与民法的因果关系有所不同,保险法的因果关系集中于“责任成立”的因果关系。大陆法中关于因果关系的学说有条件说、适当条件说和最近因果关系说三种。英美法中对原因的调查取决于保险合同中对事故的规定。

The causality in insurance law differs from the one in civil law, which centralizes the causality of liability establishment. In Civil Law, the theory about causality includes the theory of cause, the theory of adequate cause and the theory of proximate cause. In Common Law, the investigation of cause depends on the accident cause in insurance contract.