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KCI등재 학술저널

保险判例解决路径及方法研究

以一则被保险人醉驾死亡赔付争议案件为例

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机动车驾驶员(被保险人)由于醉酒驾车肇事而导致自己死亡, 被保险人的继承人与保险公司之间发生的诉讼纠纷。案件分析时将保险实践、保险司法争议、保险法律解释交织, 并以司法功能为导向进行。分析过程形成多维立体思维的四个逻辑面:学理推进逻辑面, 司法推进逻辑面, 证据事实推进逻辑面及三个逻辑面的思维连接逻辑面。具体过程为:萃取本案核心事实并获得首选方案、解读《保险法》第45条及其司法解释、以司法功能为导向检视学理推进过程、进行司法大数据分析、探查本案的其他解决路径。对“被保险人故意犯罪”的两个层次的论断在司法审判过程中是接续进行和结果共通的:法官的判断源自于当事人(包括当事人的代理律师)对案件事实、证据的揭示, 法官在判断基础上进行的裁判又通过判决结果的当事人认知程度而得以确认或否定。

The motor vehicle driver (the insured) because of drunk driving accident and cause their own death, the insured s heirs and insurance company between the litigation dispute. In case analysis, insurance practice, insurance judicial dispute and insurance legal interpretation are interwoven, and the judicial function is the guide. The process of analysis forms four logical planes of multi-dimensional thinking: the logical plane of academic theory advancing, the logical plane of judicature advancing, the logical plane of evidence facts advancing and the logical plane of thinking connecting three logical planes. The specific process is as follows: extracting the core facts of the case and obtaining the preferred solution; interpreting article 45 of the insurance law and its judicial interpretation; examining the promotion process of the theory based on judicial functions; conducting judicial big data analysis; exploring other solutions to the case. Of intentional crime the insured two levels of judgment in the judicial process is succeeded and results in common: the judge s judgment is derived from the parties (including the attorney) of the parties to the case facts and evidence reveals that the judge based on the judgment of referees and through the verdict of the cognitive degree and be able to confirm or deny.

摘要

一、保险判例的多维立体思维方式

二、本案核心事实的萃取及首选方案

三、《保险法》第45条及其司法解释的解读及司法适用

三、司法功能导向对学理推进过程的推进

四、本案的司法大数据分析

参考文献

ABSTRACT

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