投保人故意致害之法律责任的反思——以《保险法》第四十三条为中心

• 作 者: 安子靖
• 机 构: 苏州大学王健法学院,
• 出 处: 公民与法(法学版)
• 发表日期: 2016年08期
• 关键词: 保险法 保险事故 投保人 受益人 保险合同 利益第三人合同 责任形态 给付保险金 受益权 三人

保险法中投保人、受益人之法律地位不同,故其故意制造保险事故的法律责任形态亦是不同。以新《保险法》第43条为中心,从法条之演变、法条之内涵以及法条之法理等角度分析,可以发现投保人与受益人分离、重合等情形下投保人故意制造保险事故的法律责任有所不同,在分离情形下利用公平原则做有利于受益人之解释的做法有不妥当之处,应以利益第三人合同之理论阐述第43条背后之理论基础。

The legal status of policyholders and beneficiaries in insurance law is different, so the legal liability of intentional manufacture of insurance accident is also different. With the new “Insurance Law” as the center of Article 43, from the perspective of the evolution of the law, the connotation of the law and the law of the law, we can find out that the insured intends to make an insurance accident under the circumstance of separation and coincidence of the insured and the beneficiary There are differences in legal responsibilities. It is inappropriate to use the principle of fairness in favor of the interpretation of the beneficiaries in the case of separation, and the theoretical basis behind the article 43 should be set forth in the theory of the contract of third parties of interests.