美国司法民事制裁投保欺诈的法理依据与启示

发布时间：2018-06-25 05:55

本文选题：投保欺诈 + 不可争议条款　；参考：《环球法律评论》2013年06期

【摘要】：美国司法民事制裁投保欺诈的法律依据,主要是不可争议条款制度。其民事制裁的分歧,源于其适用不可争议条款制度之争,主要体现为三个方面:不可争议条款制度功能范围、除外责任条款效力认定以及团体险中"承保条件"的定性。美国司法对待投保欺诈的立场,经历了三个阶段:由早期支持投保欺诈,发展到有限否定投保欺诈,直至支持保险公司运用除外责任条款,否定投保欺诈。美国司法主张之所以发生演变主要是因为不可争议条款的制度运行环境发生了变化。我国完善不可争议条款制度的对策主要包括:将投保欺诈区分为恶性投保欺诈与一般投保欺诈,规定恶性投保欺诈的种类;恶性投保欺诈不受不可争议条款制度保护;将一般投保欺诈的可争议期限延长为10年。
[Abstract]:The legal basis of American judicial civil sanction for insurance fraud is mainly the non-disputable clause system. The difference of its civil sanction stems from the controversy over the application of the indisputable clause system, which is mainly embodied in three aspects: the functional scope of the indisputable clause system, the validity determination of the exclusion liability clause and the characterization of the "underwriting conditions" in the group insurance. There are three stages in American judicial treatment of insurance fraud: from early supporting insurance fraud to limited negation of insurance fraud, to supporting insurance company to apply exclusion clause to negate insurance fraud. The reason for the evolution of judicial claims in the United States is mainly due to the changes in the operating environment of the indisputable clauses. The countermeasures to perfect the system of indisputable clauses in our country mainly include: classifying insurance fraud into malignant insurance fraud and general insurance fraud, stipulating the category of malignant insurance fraud, not being protected by non-disputable clause system; To extend the disputed period of general insurance fraud to 10 years.
【作者单位】：对外经济贸易大学保险学院保险法与社会保障法研究中心;北京大学;
【基金】：国家留学基金委“青年骨干教师出国研修项目”资助,项目号:201206645006
【分类号】：D971.2

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