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    Title: 錯誤和解對於責任保險人之拘束力--臺灣高等法院臺中分院九十八年度保險上字第二一號民事判決評釋
    Authors: 葉啟洲
    Yeh, Chi-Chou
    Contributors: 法學院
    Date: 2015-11
    Issue Date: 2018-02-07 14:25:04 (UTC+8)
    Abstract: 責任保險中,保險人應就被保險人對於第三人所負的損害賠償責任,承擔被保險人所受之損失,使其脫離賠償責任的不利地位。而確定被保險人對第三人賠償責任範圍與數額的常見方法之一,係由被保險人與第三人訂立和解契約。但因實際承擔賠償責任者為責任保險人, 被保險人為使自己脫離不利地位,可能任意接受不合理的和解條件,使得保險人的負擔不合理地加重,進而因損失率及保險費率的提高,間接影響全體善意要保人的負擔,故保險法亦賦予保險人參與和解之權,要保人若未通知保險人參與而逕行和解時,保險人不受該和解之拘束。但有問題的是,即便保險人已受通知並參與,甚至同意被保險人與第三人的和解契約,若其對於和解當事人之資格或對於重要爭點有錯誤者,保險人是否仍應受該和解之拘束?近來臺灣高等法院臺中分院在一則判決中表示,若責任保險人業已參與該和解契約的訂立並同意之,即便對於和解之重要前提事實認知有所錯誤,亦應受該和解契約之拘束,而須以該和解契約所約定之賠償責任,對被保險人負保險給付之責。此一爭議除牽涉到保險人的和解參與權之外,也涉及要保人與被保險人在保險契約上是否負有採取必要行為以減輕損害的義務?若被保險人對錯誤的和解係得撤銷卻未撤銷時,是否仍應使保險人受該錯誤和解的拘束,有研究之必要。
    Relation: 月旦裁判時報, No.41, pp.18-27
    Data Type: article
    DOI link: http://dx.doi.org/10.3966/207798362015110041003
    DOI: 10.3966/207798362015110041003
    Appears in Collections:[Department of Law] Periodical Articles

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