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投保欺诈侵权致保险人损失的侵权行为地认定——以某保险股份有限公司与某工程有限公司财产损害赔偿纠纷为例

Ascertainment of the Place of Torts in the Fraud During Insurance Contracting on the Party of the Insureds —Take the Property Damage Compensation of an Insurance Company and an Engineering Company for Example

Advance in Law / 2024,6(3): 273-281 / 2024-08-12 320 256

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• Authors: 王腾飞
• Information:

  上海财经大学，上海

• Keywords:
  Fraud during insurance contracting on the party of the insureds; Place of tort; Pure economic loss
  投保欺诈; 侵权行为地; 纯粹经济损失
• Abstract: In cases where the insurer is defrauded by the applicant and suffers property losses due to the insurance liability after the insured is exposed, the applicant’s insurance fraud can be regarded as an infringement, and when the insurer claims tort liability against the applicant, such dispute shall be under the jurisdiction of the people’s court at the place of the infringement or the defendant’s domicile. The place of tort includes the place where the tort is committed and the place where the tort results occur. The tort in this case is a joint tort, which consists of tampering with and providing a false policy and insurance fraud. The infringement result has already occurred at the time of underwriting by the insurer, and the insurer’s payment of insurance compensation is not the direct result of the infringement. Therefore, the insurer’s domicile is not the result of the insurance fraud when claiming tort damages for the loss. The people’s court in the place of the insurer’s domicile is not the people’s court in the place of the infringement and has no jurisdiction over such disputes. 保险人被投保人投保欺诈，在被保险人出险后因承担保险责任而遭受财产损失，此类案件中投保人的投保欺诈行为可认定为侵权，保险人对投保人主张侵权责任时，该类纠纷应由侵权行为地或者被告住所地人民法院管辖。侵权行为地包括侵权行为实施地、侵权结果发生地。本案侵权行为系共同侵权，由篡改并提供虚假保单行为和投保欺诈行为共同组成，侵权结果在保险人承保时已经发生，保险人支付保险赔偿款不是侵权行为的直接结果，因此就该损失主张侵权损害赔偿时，保险人住所地并非投保欺诈行为的结果发生地，保险人住所地人民法院并非侵权行为地人民法院，对此类纠纷不具有管辖权。
• DOI: https://doi.org/10.35534/al.0603022
• Cite: 王腾飞．投保欺诈侵权致保险人损失的侵权行为地认定——以某保险股份有限公司与某工程有限公司财产损害赔偿纠纷为例［J］．法学进展，2024，6（3）：273-281.