法院审理保险合同案件的两种解释方法比较

目前保险合同诉讼案件日趋增多,为探究当事人订立合同时的真正意图,不少法院采用了语境解释,当事人为证实自己的主张不断地举证,法院慎重地审查当事人提出的证据,但法院仍然存在错判的风险,而当事人诉讼成本的增加则是确定的。有时法院采用文本解释,即仅根据保险合同本身也能正确地判案,但诉讼成本大大降低。本文比较了这两种解释方法对法院判决保险合同案件准确性以及当事人花费诉讼成本的影响,指出文本解释优于语境解释。

Two interpretations of a court's judgment on insurance contracts

Lawsuits related to insurance contracts have been increasing constantly. To find out truthful intention of the related party in establishing the contract,many courts use contextualism. That is to say,each party introduces more evidences to prove his claim,and in turn the judge contests these evidences carefully. There is still the possibility that a court's judgment is unjustified after this process. However,even so,a high litigation cost is incurred to the insurer. In fact,a court may arrive at the correct...