A Study of Proximate Cause Doctrine in Personal Accident Insurance

• Main Authors: Ya-Ju Su, 蘇雅如
• Other Authors: Tong-Liang Kao
• Format: Others
• Language: zh-TW
• Published: 2008
• Online Access: http://ndltd.ncl.edu.tw/handle/18904380562595180925

碩士 === 淡江大學 === 保險學系保險經營碩士在職專班 === 96 === The consumers have more choices since the general insurance companies join market of the accident insurance, and therefore the market competition is getting into white-hot. In the interim, the disputes on insurance claims have been increasing. The accident insurance covers accidental injury rather than diseases. Nevertheless, it is not rare that the claims are involved in other factors between accidental reason and accidental result, especially the diseases. Therefore it is very important to determine the causation between the cause and injury, which are often a key argument about a claim under accident insurance. As a result, we collect and analyze the relevant literatures of the proximate cause and accident insurance from domestic and foreign to look into the definitions and application of the proximate cause. In addition, we make a study on the causation between insured perils and injury. Finally, we anticipate to came out the solutions of mitigating dispute on claims by means of domestic and foreign case study.