保险法近因原则的司法适用研究  

On the Judicial Application of Proximate Cause Principle in Insurance Law

作　　者：于海威 Yu Haiwei

机构地区：[1]黑龙江孟繁旭律师事务所,黑龙江哈尔滨150080

出　　处：《保险职业学院学报》2023年第1期88-91,共4页Journal of Insurance Professional College

摘　　要：近因原则作为辨析事故原因与损害结果之间的基本逻辑准则,在保险理赔司法实践中具有不可或缺的作用,在我国相关立法缺失的情况下,准确地把握近因原则的内部逻辑体系,对于司法裁判具有重要意义。保险法近因原则在司法适用中受单一因素和多重因素的影响,且多重因素之间亦有因素相关性,应予区分把握。同时需要注意的是,严格地适用保险法近因原则可能造成个案中的利益失衡,此时须引入民法公平原则予以调整。The Principle of Approximate Cause,as the basic logic criteria to distinguish between the cause of an accident and the result of damage,plays an indispensable role in the judicial practice of insurance claims.In the absence of legislation in China,it is of great significance to accurately grasp the internal logic system of the Principle of Approximate Cause for judicial dedication.The Principle of Approximate Cause in Insurance Law is affected by a single factor and multiple factors in judicial application and there is also a correlation between multiple factors,which should be distinguished.At the same time,it should be noted that the strict application of the Principle of Approximate Cause of insurance law may lead to the production of interests in the case and the principle of fairness in civil law should be introduced to adjust.

关 键 词：近因原则 保险责任 司法适用 

分 类 号：DF438.4[政治法律—经济法学]