试论在我国建立环境责任保险制度

环境责任保险是一新型的保险品种.建立环境责任保险有利于环境保护、保险业的发展和保障环境污染受害人的权益.保险法上的近因理论与环境侵权严格责任、推定因果关系多有冲突,因此有必要修正传统的保险理论以适应保险业的发展.环境侵权责任与产品责任竞合也是建立环境责任保险制度必须重视的问题,鉴于产品责任从理论到实践都比较成熟,在同时投保了环境责任险与产品责任险的情况下,产品责任险应当优先赔付.

Environment liability insurance system:urgency for establishment in China

Environment liability insurance is a new type of insurance. The establishment of environment insurance system is helpful to environment protection, insurance industry development and the sufferers in environment pollution. For the conflict between causa proxima principle and putative cause-effect of environment torts, the traditional insurance theory should be amended to keep pace with the development of insurance industry. The claims of product liability insurance should have precedence over the liability of environment torts when both insurances are involved.