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随着人类社会的进步和经济的发展,因各种损害而出现的事故不断增加,侵权责任的归责原则也经历了一个从同态复仇到过错责任原则、无过错责任原则的发展过程,呈现出一种从单一的过错责任归责原则向多元化的归责原则演进的趋势。但这些侵权责任的承担原则不能使受害人的合法权益得到最大程度的保护,因为它们只是多元化补偿体系中的一种。因此,在特定的历史条件下保险理赔出现了。在我国社会保障体系尚未建立起来的今天,更多的关注到责任保险和侵权责任法二者之间的关系,对我们考察损害赔偿体系具有重要的实际意义。
With the progress of human society and economic development, accidents caused by various kinds of damage have been increasing. The principle of attribution of tort liability has also undergone a process of development from the principle of homosexual revenge to fault liability and no-fault liability. A trend that evolved from a principle of attribution of fault liability to the principle of pluralism. However, the principle of these tort liability can not maximize the protection of the legitimate rights and interests of the victims, because they are only one kind of diversified compensation system. Therefore, under certain historical conditions insurance claims appear. Today, in our country, the social security system has not been established yet, and more attention is paid to the relationship between liability insurance and tort liability law, which has important practical significance for us to inspect the system of damages.