The Expansion Of The Object Extent Of Liability Insurance

Object of liability insurance is the statutory compensatory liability of the insur ed to the third party.Object of liability insurance plays an important role with the respect to explicating nature of the insurance contract,determining insurance interest and making clear the scope of insurance responsibilities,which occupies a decisive position in the liability insurance system.However,with the the speedy developme nt of legal practice and absence of theoretical research,more and more confusions and disputes have arisen.This article starts from the phenomenon of the expansion o f the objects of liability insurance,analyze the inner reasons and general rule and r esolve the specific disputes in the expansion.The paper is divided into four parts a s follows:In the first part,theoretical basis of objects of liability insurance will be introduced.Compared with general objects of property insurance,Object of liability insurance is statutory compensatory liability,and there are lots of differences between them.This is the significance of identify and analysis.At the end of this part,I also give the introduction of current situation and present dispute of object of liability insurance.In the second part,in order to find the reasons and general rule,we will sorting out the development skeleton of the expansion of object of liability insurance.On the macro level,the existing of object of liability insurance is denied and then be admitted,and now it begins to expand.On the micro level,object of liability insurance only includes negligence in the initial expansion to include liability without fault and some liability of serious negligence and malice.The reasons and general rule behind could be analyzed in four aspects: its own nature,growing trend,relationship with civil liability system and insurance skills.In the third part,we will discuss the relevant issues according to the analysis above.Whether other legal responsibility,except civil liability,could be object of liability insurance,and Whether tort liability,punitive liability and moral damage liability could be object of liability insurance,should be analyzed with a sensible attitude in accordance with the real situations,based on the experience and practices.Some specific legal liability,such as government compensate liability,tort liability and punitive liability,should be included into object of liability insurance,while moral damage liability should not.The fourth part is as an epilogue to reaffirm that the expansion of object of liability insurance must base on its own nature,combine with the growing trend,coordinate with the development of civil liability system and match with current situation the insurance skills.