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在我国司法实践中,有法院援用合理期待原则裁判保险纠纷。但问题在于司法界对于该理论的认识尚不清晰,与此相关的法律适用缺乏方法论的支撑和教义学规范。这不仅可能导致判决上的恣意,也可能造成现有法律资源的闲置。本文结合具体案例环境,探讨现行法律工具与合理期待理论的互补性,细化合理期待的适用条件,以期为规范保险审判提供理论支持。
In our country’s judicial practice, some courts apply the principle of reasonable expectation to adjudicate insurance disputes. However, the problem lies in the judicial community’s understanding of the theory is not clear, and the relevant legal application of the lack of methodological support and doctrine specification. This may not only lead to arbitrary judgments, but also may result in the vacancy of existing legal resources. Based on the specific case environment, this article explores the complementarities between the current legal tools and the theory of reasonable expectation, and details the applicable conditions of reasonable expectation in order to provide theoretical support for the regulation of insurance trial.