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論著名稱: 意外原因之舉證、證明度減低及表見證明-從台灣高等法院 100 年度保險上字第 18 號判決談起(The Burden of Proof and Prima Facie About The Cause of Accident-Discussing Based on the Decision of Taiwan High Courton the 14. Sep. 2011)
編著譯者: 葉啟洲
出版日期: 2013.06
刊登出處: 台灣/保險專刊第 29 卷 第 1 期 /45-62 頁
頁  數: 18 點閱次數: 3243
下載點數: 72 點 銷售明細: 權利金查詢 變更售價
授 權 者: 財團法人保險事業發展中心 授權者指定不分配權利金給作者)
關 鍵 詞: 傷害保險原因說結果說舉證責任複保險
中文摘要: 關於傷害保險「意外事故」之要件,向來有原因說與結果說的爭議。在比較法上,英、美、德諸國已改採結果說,以擴大傷害保險對於被保險人的保障功能,但我國司法實務仍以原因說為多數見解,並將本屬保險人舉證範圍之「自願性」轉化為意外事故的「原因」,從而變為原告的舉證責任,明顯加重被保險人及受益人的舉證負擔。本文認為,在意外事故的要件上,應採結果說之理論,以還原「故意行為」應由保險人舉證的基本原則。

英文關鍵詞: Accident InsuranceAccident MeansAccident ResultInjury insuranceburden of proofDouble Insurance
英文摘要: With regard to the definition of "accident" in personal injury insurance, there are disputes among "Accident Means" and "Accident Result". In comparative law, England, America and Germany have adopted the "Accident Result", thus to expand the scope of protection to the insured. However, most of our domestic courts have summited the "Accident Means", by modifying the "voluntary act" into the" cause of the accident " which is supposed to be considered as the insurers'burden of proof. Consequently, this modification alters the burden of proof into insured's accountability, augmenting the insured and the beneficiary's liability. In conclusion, in order to amend "the intentional wrongdoing" as the burden for the insurer."Accident Result" should be adopted as a fundamental element within "injury insurance" for future reference.

目  次: 一、問題之提出
二、台灣高等法院 100 年度保險上字第 18 號判決
 (一) 事實摘要
 (二) 歷審判決要旨
三、意外原因與主觀除外危險之舉證
 (一) 意外事故之要素與舉證
 (二) 從「非自願性」遁入複保險
 (三) 從「非自願性」遁入意外事故之「原因」
 (四) 非自願性與表見證明
四、結語
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