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    Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/147203


    Title: 法律費用保險之比較研究—以日本為比較中心
    A Comparative Study on Legal Expenses Insurance: Focusing on Japan
    Authors: 劉玹名
    Liu, Hsuan-Ming
    Contributors: 葉啓洲
    Yeh, Chi-Chou
    劉玹名
    Liu, Hsuan-Ming
    Keywords: 法律費用保險
    法律保護保險
    訴訟費用保險
    訴訟資助
    司法近用
    日本辯護士聯合會
    日本保險業
    日本財產保險
    日本保險市場
    Legal Expenses Insurance
    Legal Protection Insurance
    Litigation Costs Insurance
    Litigation Funding
    Access to Justice
    Japan Federation of Bar Associations
    Japan`s Insurance Industry
    Japan`s Property Insurance
    Japan`s Insurance Market
    Date: 2023
    Issue Date: 2023-09-01 16:04:50 (UTC+8)
    Abstract: 法律費用保險藉由移轉法律費用風險給保險人,填補被保險人在法律紛爭時所產生的法律費用損失,可以促進被保險人近用司法,為訴訟資助的方式之一,已被外國文獻所關注。外國保險市場亦已針對此險種進行銷售。然而,台灣的保險市場缺乏此類法律費用保險商品,尤其是對於作為原告的被保險人的法律費用進行填補的商品,有保障不足之處。有鑒於法律費用保險的損失填補功能與促進司法近用功能,台灣市場應考慮引進此類保險商品。並且,由於台灣對於法律費用保險的概念仍相當陌生,本文對於外國法律費用保險的相關議題進行理論性的研究以建立基礎,並分析國際上目前的法律費用保險概況。
    其中,日本法律費用保險的發展情形是本比較研究的核心對象。日本為發展成熟的法律費用保險市場,在發展脈絡中,日本辯護士聯合會與日本產險公司的合作開發模式,對於該國的法律費用保險制度具有重要影響,並且已建立了周邊制度如辯護士介紹機制及訴訟外紛爭解決機制,日本的發展脈絡與制度創設的經驗值得台灣參考。日本的法律費用保險商品亦具有多元性,除了汽車保險的法律費用特約條款,還有關於應對個人法律紛爭的法律費用保險商品,承保形式兼及附加險及獨立險,甚至還有類似於事後法律費用保險的商品。本文並對於日本法律費用保險商品的內容及重要條款進行探討,以提供台灣未來商品開發建議。
    By transferring the risk of legal costs to the insurer and covering the insured`s loss of legal costs in the event of a legal dispute, legal expenses insurance can facilitate the insured`s access to justice, and is one of the ways of litigation funding, which has already attracted attention in foreign literature. It has also been marketed in foreign insurance markets. However, there is a lack of such legal expenses insurance products in the Taiwan insurance market, especially those that cover the legal expenses of the insured as a plaintiff, and therefore the coverage is inadequate. In view of the loss recovery function of legal expenses insurance and its function of improving the access to justice, the insurance market in Taiwan should consider introducing such insurance products. Moreover, since the concept of legal expenses insurance is still quite unfamiliar in Taiwan, this paper conducts a theoretical study on issues related to legal expenses insurance in foreign countries in order to establish a foundation and analyze the current overview of legal expenses insurance in the world.
    In particular, the development of legal expenses insurance in Japan is the central objective of this comparative study. Japan is a well-developed legal expenses insurance market. In the development process, the collaborative development model between the Japan Federation of Bar Associations and the Japan`s property and casualty insurance companies has had an important impact on the legal expenses insurance system in that country, and has established the related system such as a referral mechanism for lawyers and a alternative dispute resolution mechanism. Japan`s developmental context and its experience in establishing systems are valuable references for Taiwan. The legal expenses insurance products in Japan are also diversified. In addition to the legal expenses special clauses of automobile insurance, there are also legal expenses insurance products related to personal legal disputes, and the forms of coverage are both add-alone and stand-alone insurance, and there are even products similar to after-the-event legal expenses insurance. This paper also discusses the contents and important terms of legal expenses insurance products in Japan to provide suggestions for future product development in Taiwan.
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    (三)學位論文
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    (四)網路資料
    1.台北律師公會(2017年12月25日),法務部法檢字10604528660號函並非禁止律師與當事人約定收取後酬,Facebook(臉書),https://www.facebook.com/TaipeiBar/posts/pfbid033tMVCV8abxHFBHYrQXYGCvHQEV7vPFBDdhVcdeyQddUW6pUnMDUXZDrAoHcz9j5ol (最後瀏覽日:2023年8月14日)。
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    二、英文文獻
    (一)專書
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    (二)專書論文
    1.Choudhry, Sujit, Trebilcock, Michael and Wilson, James (2012), Growing Legal Aid Ontario into the Middle Class: A Proposal for Public Legal Expenses Insurance, in Michael Trebilcock, Anthony Duggan, and Lorne Sossin eds., Middle Income Access to Justice. (University of Toronto Press).
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    三、日文文獻
    (一)專書
    1.山下友信『保険法(上)』有斐閣(2018年6月)。
    2.山本和彦『民事訴訟法の現代的課題』有斐閣(2016年4月)。
    3.半田吉信『弁護士報酬敗訴者負担制度の比較研究―ドイツの敗訴者負担原則と日本の裁判実務』法律文化社(2006年10月)。
    4.應本昌樹『権利保護保険―法的ファイナンスの規範論序説』成文堂(2016年10月)。
    5.藤嶋昌人・山本啓太『少額短期保険の実務―保険業界の新たなイノベーション』一般社団法人金融財政事情研究会(2022年7月)。

    (二)專書論文
    1.山下典孝「わが国の「権利保護保険」の理論的検討と克服すべき課題」LAC研究会編『権利保護保険のすべて(第2章)』商事法務(2017年12月)。
    2.木村彰宏・井上慶吾・藤本和眞・松倉孝文・北村啓介「事例研究」LAC研究会編『権利保護保険のすべて(第5章)』商事法務(2017年12月)。
    3.佐瀬正俊・伊藤明彦「わが国における「権利保護保険」研究の歩み」LAC研究会編『権利保護保険のすべて(第1章)』商事法務(2017年12月)。
    4.秋山清人「弁護士保険(権利保護保険)揺籃期」棚瀬孝雄・豊田博昭・山城崇夫・大澤恒夫編『権利実効化のための法政策と司法改革 : 小島武司先生古稀祝賀 続』商事法務20-21頁(2009年9月)。
    5.福山達夫「西ドイツに於ける訴訟救助と権利保護保険の問題状況」霜島甲一・西嶋梅治・福山達夫編『法律扶助・訴訟費用保険』法政大学出版局(1979年3月)。

    (三)期刊論文
    1.山下典孝「ベルギーにおける権利保護保険について」損害保険研究75巻4号(2014年2月)。
    2.大井暁「弁護士費用保険を巡る諸問題-弁護士費用特約を中心に-」保険学雑誌636号(2017年3月)。
    3.中村良隆「イギリスにおける成功報酬制と弁護士保険」自由と正義60巻6月号(2009年6月)。
    4.木村彰宏「民事紛争支援と損害保険「権利保護保険」」保険学雑誌636号(2017年3月)。
    5.内藤和美「わが国における権利保護保険の機能と課題」保険学雑誌634号(2016年9月)。
    6.竹下守夫「司法制度改革と民事司法」日本學士院紀要65巻1号(2011年)。
    7.池田康弘「経済分析に基づく民事紛争への保険利用の問題と課題」保険学雑誌636号(2017年3月)。
    8.伊藤明彦「活用してみませんか?権利保護保険」LIBRA14巻6号(2014年6月)。
    9.佐瀬正俊・武田涼子・應本昌樹・和田光弘「カナダにおける権利保護保険(弁護士保険)についての調査報告」自由と正義66巻8月号(2015年8月)。
    10.萩原金美「法曹養成と法の解釈」法社会学1993巻45号(1993年4月)。

    (四)網路資料
    1.日本弁護士連合会(2019年4月1日)「弁護士費用保険ADR利用マニュアル Ver.4」1頁、https://www.nichibenren.or.jp/library/ja/legal_aid/data/ADRmanual.pdf(最終閲覧日 2023年8月14日)。 
    2.日本弁護士連合会「弁護士白書2019年版」、https://www.nichibenren.or.jp/library/pdf/document/statistics/2019/tokusyu-2_2019.pdf(最終閲覧日 2023年8月14日)。
    3.日本弁護士連合会「弁護士白書2022年版」、https://www.nichibenren.or.jp/library/pdf/document/statistics/2022/5-12-4.pdf(最終閲覧日 2023年8月14日)。
    4.日本弁護士連合会「弁護士業務改革シンポジウム」、https://www.nichibenren.or.jp/document/symposium/gyoukaku_sympo.html(最終閲覧日 2023年8月14日)。
    5.加納小百合・武田涼子「スウェーデンにおける訴訟費用保険と自動走行技術の進展の影響による日本の権利保護保険制度への示唆」第21回弁護士業務改革シンポジウム基調報告書、https://www.nichibenren.or.jp/library/pdf/document/symposium/gyoukaku_sympo/21th_keynote_report_3_tr.pdf(最終閲覧日 2023年8月14日)。
    6.東京海上日動火災保険株式会社「Total Assist自動車保険 ご契約のしおり」、https://www.tokiomarine-nichido.co.jp/service/pdf/total_assist_yakkan_230101.pdf(最終閲覧日 2023年8月14日)。
    7.東京都弁護士協同組合「権利保護保険新商品弁護のちから 弁護士向け解説書~弁護士業務に活用するための保険概要~」、https://www.tokyo-law.com/service/insurance/bengonochikara/index.html(最終閲覧日 2023年8月14日)。
    8.黒川裕希・中松洋樹・佐藤眞紀世・石田智也「市民・中小企業が求める弁護士保険の確立に向けて」第20回弁護士業務改革シンポジウム基調報告書180頁、https://www.nichibenren.or.jp/library/ja/jfba_info/organization/data/20th_keynote_report_contens.pdf(最終閲覧日 2023年8月14日)。
    9.遠藤隆史(2019年12月20日)「「敗訴時の弁護士費用、カバーします」 新サービス開始」朝日新聞デジタル記事、https://www.asahi.com/articles/ASMDM664BMDMPTIL01T.html(最終閲覧日 2023年8月14日)。

    四、德文文獻
    (一)專書
    1.Hans Buschbell/Manfred Hering, Handbuch Rechtsschutzversicherung, 5. Aufl., 2011. (DeutscherAnwaltVerlag).
    2.Hubert W. van Bühren/Helmut Plote/Gabriele Hillmer-Möbius/Domenik Henning Wendt, Allgemeine Bedingungen für die Rechtsschutzversicherung : Kommentar, 3.Aufl., 2013. (C.H.Beck).

    (二)網路資料
    1.Bundesministerium der Justiz, Gesetz über den Versicherungsvertrag, https://www.gesetze-im-internet.de/vvg_2008/index.html (Letzter Zugriff: August 14, 2023).
    2.Gesamtverband der Versicherer (August 2022), Allgemeine Bedingungen für die Rechtsschutzversicherung (ARB 2021), https://www.gdv.de/resource/blob/5904/7b7eeac939acc12e236aa56cf88179ce/01-allgemeine-bedingungen-fuer-die-rechtsschutzversicherung-arb-2021--data.pdf (Letzter Zugriff: August 14, 2023).
    Description: 碩士
    國立政治大學
    風險管理與保險學系
    109358018
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0109358018
    Data Type: thesis
    Appears in Collections:[風險管理與保險學系] 學位論文

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