论责任保险对侵权诉讼司法裁判的影响

随着责任保险的日渐盛行,越来越多的侵权行为人受到责任保险的保障。在处理侵权纠纷时,法官逐渐意识到侵权人背后的保险公司拥有更深的口袋和更大的赔付能力,并且在对侵权人义务范围的判定、赔偿数额的评估等方面已经把责任保险作为一种重要的社会政策纳入司法考量范围。充分认识责任保险对司法裁判的影响以及影响方式对于我国侵权责任体系的完善、商业保险制度的发展乃至整个司法改革都具有重要的意义。

The Impact of Liability Insurance on the Judicial Opinions of Tort Trials

With the gradual prevalence of the liability insurance,more and more tortfeasors are covered by liability insurance policies.The judges have realized that the insurers behind the tortfeasors have deeper pockets and are considered to have the availability of liability insurance to decide the extent of the person’s responsibility and the amount of the damage awards during the process of the tort trials.The understanding of the impact of the liability insurance on the judiciary process is significant for the development of the tort liability system,commercial insurance and even the judicial reforms.