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    題名: 以金融消費者保護法作為課加保險人懲罰性賠償基礎之可行性研究
    作者: 張冠群
    貢獻者: 法律學系
    關鍵詞: 金融消費者保護法;理賠糾紛;懲罰性賠償
    Financial Consumer Protection Act;Claim Dispute;Punitive Damage
    日期: 2015
    上傳時間: 2017-12-26 17:44:51 (UTC+8)
    摘要: 高等法院台中分院103年保險上字第9號判決中，上訴人(被保險人)主張，被上訴人(保險人)於其依系爭保險契約備妥相關證明文件後，並未進行任何調查，即率然拒絕給付保險金予上訴人，顯屬「惡性」之企業經營者，爰依據消保法第51條，向保險人請求懲罰性賠償。高等法院卻認為：「消保法第51條引進懲罰性賠償制度，乃侵權行為之特別形態，主要在維護交易安全，保障填補消費者因信賴廣告所受之利益損害」而保險理賠縱有遲延，屬「給付遲延」與侵權行為，性質上雖屬相同，但因債務人之遲延行為侵害債權，在民法上既有特別規定，自無關於侵權行為規定之適用」亦即並無消保法之適用。高等法院此判決，為近年鮮見之以消費者保護法為據，向保險人請求懲罰性賠償者，法院縱以保險人拒絕理賠屬債務不履行責任及被保險人未依消費者保護法起訴為由判決被保險人敗訴，然關於下列問題，尚待釐清：縱於金融消費者保護法第11之3條通過後，課加保險人懲罰性賠償於現行台灣法制下是否有其可能？若可能，其法律依據為消費者保護法或其他法律？其構成要件如何建構？又，對保險人課加懲罰性賠償之妥當性為何？凡此，均本文欲探討之對象。
    In A decision delivered by the Taichung Branch of the Taiwan High Court, the judge denied the insured’s claim punitive damages against the insurer based on Article 51 of the Consumer Protection Act (hereinafter the CPA). The court reasoned that as the premise to award punitive damages based on Article 51 is to file the tort claim solely on the basis of the CPA, the insured’s initial claim for insurer proceeds on the ground of breach of contract is inconsistent with such premises. Despite the unsuccessfulness of the insured’s claim for punitive damage, such decision brought up several rather more important yet fundamental issues: (1) Whether it is appropriate to impose upon insurer the punitive damage in Taiwan; (2) If it is appropriate, what are the elements of imposing punitive damages in Taiwan; (3) Supposed that the elements are fulfilled, what are the standards to determine the amount of the punitive. All these issues will be addressed and place emphases on in this research. This research will compare the judge-made laws in various states in the U.S. and eventually make policy suggestions and legislative proposals.
    關聯: 執行起迄：2015/08/01~2016/10/31
    104-2410-H-004-065
    資料類型: report
    顯示於類別:[資訊科學系] 國科會研究計畫

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