保险判例解决路径及方法研究 - 以一则被保险人醉驾死亡赔付争议案件为例
A study on the solution path and method of insurance precedents - taking a case of the insured drunk driving death compensation dispute as an example
The motor vehicle driver (the insured) because of drunk driving accident and cause their own death, the insured's heirs and insurance company between the litigation dispute. In case analysis, insurance practice, insurance judicial dispute and insurance legal interpretation are interwoven, and the judicial function is the guide. The process of analysis forms four logical planes of multi-dimensional thinking: the logical plane of academic theory advancing, the logical plane of judicature advancing, the logical plane of evidence facts advancing and the logical plane of thinking connecting three logical planes. The specific process is as follows: extracting the core facts of the case and obtaining the preferred solution; interpreting article 45 of the insurance law and its judicial interpretation; examining the promotion process of the theory based on judicial functions; conducting judicial big data analysis; exploring other solutions to the case. Of intentional crime "the insured" two levels of judgment in the judicial process is succeeded and results in common: the judge's judgment is derived from the parties (including the attorney) of the parties to the case facts and evidence reveals that the judge based on the judgment of referees and through the verdict of the cognitive degree and be able to confirm or deny.