徐峰. 海上保险法“近因原则”之历史变迁研究——以与侵权法“因果关系原则”的比较为视角[J]. 《信阳师范学院学报(哲学社会科学版)》, 2020, 40(2): 36-43,134. DOI: 10.3969/j.issn.1003-0964.2020.02.007
引用本文: 徐峰. 海上保险法“近因原则”之历史变迁研究——以与侵权法“因果关系原则”的比较为视角[J]. 《信阳师范学院学报(哲学社会科学版)》, 2020, 40(2): 36-43,134. DOI: 10.3969/j.issn.1003-0964.2020.02.007
XU Feng. A Study on the Historical Changes of the Principle of Proximate Cause in Marine Insurance Law——from the Comparison with the Principle of Causality in Tort Law[J]. The journal of xinyang normal university (philosophy and social science edition), 2020, 40(2): 36-43,134. DOI: 10.3969/j.issn.1003-0964.2020.02.007
Citation: XU Feng. A Study on the Historical Changes of the Principle of Proximate Cause in Marine Insurance Law——from the Comparison with the Principle of Causality in Tort Law[J]. The journal of xinyang normal university (philosophy and social science edition), 2020, 40(2): 36-43,134. DOI: 10.3969/j.issn.1003-0964.2020.02.007

海上保险法“近因原则”之历史变迁研究——以与侵权法“因果关系原则”的比较为视角

A Study on the Historical Changes of the Principle of Proximate Cause in Marine Insurance Law——from the Comparison with the Principle of Causality in Tort Law

  • 摘要: JP2梳理海上保险法“近因原则”之历史变迁与相关案件,分别将其与侵权法“因果关系原则”做比较。就认定标准而言,近因原则与因果关系原则均只承认近因的唯一性,遵循“效力说”与“常识原则”,两者的区别主要体现在前者仅仅关注致因是否属于承保风险的范畴,而后者还关注行为人是否存在过错。就“多因一果”致害而言,两法均承认致因的多样性,侵权法遵循“原因竞合”的原则,而海上保险法遵循“复合标准”判断致因,两者的差异表现为:在侵权法中,行为人承担“按过失比例”的赔偿责任;而在海上保险法中,保险人依然承担“全有或全无”的赔偿责任。随着日本司法实践的深入以及挪威海上保险条款的出台,两者的趋同体现为:在损害后果的确定与赔偿方面借鉴了侵权法原则,在混合原因致损的案件中遵循损失分配的原则。我国《海商法》的修改应当在尊重现有司法实践的基础上,借鉴侵权法的规定:对于因果关系的判断,仅应考虑致因是否属于承保风险;对于保险赔偿的确定,在承认“多因一果”的同时,应考虑采纳“按比例赔偿原则”。JP

     

    Abstract: This research analyzes the historical changes of the principle of proximate cause in marine insurance law and related cases, and compares it with the principle of causality in tort law. As far as the criteria are concerned, the principle of proximate cause and the principle of causality only recognize the uniqueness of proximate cause, and follow the "theory of effectiveness" and "principle of common sense". The difference between them is that the former only focuses on whether the causation belongs to the risk covered while the latter focuses on whether the insured is at fault yet. In terms of "multiple causes and one effect", both laws recognize the diversity of causes, tort law follows the principle of "joint of causes", while marine insurance law follows the principle of "composite standard" to judge causes. The differences are: in tort law, the actor bears the liability of compensation according to the "proportion of fault"; in marine insurance law, the insurer still bears the liability of compensation in accordance with "all or nothing". With the development of Japanese judicial practice and the introduction of Norwegian marine insurance clauses, the convergence of the two is reflected in: in the determination of the consequences of damage and compensation, the principle of tort law is used for reference, and in the case of damage caused by mixed causes, the principle of loss distribution is followed. The revision of Chinese Maritime Law should be based on respecting the existing judicial practice and referring to the provisions of tort law: for the judgment of causality, only consider whether the causation belongs to the risk covered; for the determination of compensation, while recognizing "multiple causes and one effect", consider to adopt the principle of "proportion of fault".

     

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