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保险条款解释乃保险条款适用不可缺少的前提,欲准确适用保险条款,必先予准确解释保险条款。现代解释学实际上是一种关于理解的科学,即对文本加以正确理解的技术。作为保险学与解释学的交叉学科,保险条款解释目的不止于对条款(文本)的文义阐释,或者说不是为理解而理解,而是为了处理具体保险案件准确适用条款而界定其可适用范围。保险条款解释具有针对性、价值取向性和系统性等法律特征。 一、针对性 保险条款解释必须针对具体保险案件事实,因此,保险条款条文唯有与具体案件相关联的部分才具现
The interpretation of the insurance clause is an indispensable premise for the application of the insurance clause. To accurately apply the insurance clause, the insurance clause must be accurately explained. Modern hermeneutics is actually a science about understanding, that is, a correct understanding of the text. As an interdisciplinary subject of insurance and hermeneutics, the purpose of the interpretation of insurance clauses is not limited to the literal interpretation of the clauses (texts) or the understanding of comprehension, but rather the definition of the scope of application of clauses in the context of the precise application of clauses in specific insurance cases . The explanation of insurance clauses has such legal characteristics as pertinence, value orientation and systematicness. First, the targeted insurance clause interpretation must address the facts of the specific insurance case, therefore, the provisions of the insurance clause only with the specific case related parts only