論責任保險之事故發生與通知義務A Study on the Occurrence of Insured Peril and Notification Obligation in Liability I

摘要
　　事故發生之通知義務主要目的在於保障保險人使其能夠進行調查以及保全證據，然而責任保險基於其特殊性，往往在「足以導致被保險人對第三人負賠償責任之事實」與「第三人向被保險人行使請求權之事實」存有時間上的間隔，本文從英美實務與我國責任保險基本條款做比較，發現無論在法定義務或約定義務上，我國都存有規範不足之處。最後並提出相關修正建議，希冀能藉此健全責任保險的協力義務規範。
關鍵詞：事故發生通知義務、責任保險、發生制、索賠制
Abstract
　　The purpose of occurrence notification obligation is to enable the insurers to process investigation and save the evidence. Based on the specificity of Liability Insurance, there is often an interval of time between “the accident which could give rise to insured’s responsibility vis-à-vis a third party” and “the time of a claim is asserted against the insured”. By comparing the basic liability insurance clause in Taiwan with the practice in common law, this paper found that there are some defects in the notification obligation in law and in contract in Taiwan; thus making recommendation on how to resolve these defects.
Keywords: occurrence notification obligation, liability insurance, occurrence base, claim- made base