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La acción directa y el derecho de defensa del asegurado (The Direct Redress Against the Insurer and the Insured’ Right of Defense) 直接诉讼和被保险人的辩护权(对投保人的直接救济和被保险人的辩护权)
Pub Date : 2019-03-06 DOI: 10.18601/16923960.v18n1.02
Diana Ariza Sánchez
Spanish Abstract: No hay duda que dentro de la normativa colombiana, la consagración de la acción directa en contra de las aseguradoras constituye un mecanismo práctico y garantista, que les facilita a las víctimas de eventos constitutivos de responsabilidad civil un acceso menos tortuoso a la realización del derecho a la reparación integral. No obstante, el ejercicio de dicha acción acarrea una serie de problemáticas procesales y sustanciales de cara al asegurado (civilmente responsable), cuya resolución dista de ser pacífica. Particularmente, dichas dificultades se sintetizan en la necesidad o no de integrar en el contradictorio al asegurado, como quiera que su responsabilidad civil será un punto insoslayable de controversia en el litigio entablado en contra de la aseguradora. El presente artículo pretende explorar el marco jurídico que permite comprender correctamente la anotada dificultad, así como proponer una respuesta al mismo, desde la perspectiva del derecho colombiano.

English Abstract: There is no doubt that the legal standing that the Colombian law establish for the victim of a tort, in order to file a legal claim against the insurer of civil liability, constitutes a practical and beneficial mechanism, which facilitates such victims a less tortuous access to their right to a full compensation. However, such legal standing takes to a series of substantial and procedural issues regarding the insured (tortfeasor), which answer is far from being pacific in the Colombian legal systems. Particularly, such problems can be synthetized in the need or not of calling the insured to the judicial proceedings, due to the fact that his civil liability will be an unavoidable legal issue in the litigation initiated against the insurer. The present article pretends to explore the legal frame that allows to correctly comprehend the said difficulty, as to propose an answer to it, from the Colombian law perspective.
[Abstract:毫无疑问,在哥伦比亚,规范保险公司直接行动的奉献,是一种基于权利的切实机制组成事件受害者提供其民事责任少迂回获得权的实现全面维修。然而,这一行动的行使给被保险人(民事责任)带来了一系列程序性和实质性的问题,这些问题远未和平解决。特别是,这些困难归结为是否需要将被保险人纳入对抗性索赔,因为他的民事责任将是针对保险公司的诉讼中不可避免的争议点。本文试图从哥伦比亚法律的角度探讨允许正确理解这一困难的法律框架,并提出对这一问题的回应。English Abstract: There is没有疑问that the legal常务that the派law设立for the受害人of a tort法律,in order to file a claim against the insurer of民事责任,构成practical and有益机制,which facilitates此类受害者较tortuous access to their right to a full的赔偿。然而,这种法律地位涉及一系列与投保人有关的实质性和程序性问题(tortfeasor),哥伦比亚法律制度对这些问题的回答远不是太平洋问题。具体而言,这类问题可以归结为是否需要将投保人诉诸司法程序,因为在针对投保人的诉讼中,其民事责任将是不可避免的法律问题。本文旨在探讨能够正确理解上述困难的法律框架,并从哥伦比亚法律的角度提出答案。
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引用次数: 0
Maybe There's No Bias in the Selection of Disputes for Litigation 也许诉讼纠纷的选择是没有偏见的
Pub Date : 2017-09-19 DOI: 10.2139/ssrn.2994624
Eric A. Helland, Daniel Klerman, Yoon-Ho Alex Lee
New York “closing statement” data provide unique insight into settlement and selection. The distributions of settlements and adjudicated damages are remarkably similar, and the average settlement is very close to the average judgment. One interpretation is that selection effects may be small or non-existent. Because existing litigation models all predict selection bias, we develop a simple, no-selection-bias model that is consistent with the data. Nevertheless, we show that the data can also be explained by generalized versions of screening, signaling, and Priest-Klein models.
纽约“结案陈述”数据为结算和选择提供了独特的见解。和解金额的分配与判决赔偿金的分配非常相似,平均和解金额与平均判决金额非常接近。一种解释是,选择效应可能很小或根本不存在。由于现有的诉讼模型都预测了选择偏见,我们开发了一个简单的,无选择偏见的模型,与数据一致。然而,我们表明这些数据也可以用筛选、信号和普里斯特-克莱因模型的广义版本来解释。
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引用次数: 6
Screening Plaintiffs and Selecting Defendants in Medical Malpractice Litigation: Evidence from Illinois and Indiana 医疗事故诉讼中筛选原告和选择被告:来自伊利诺伊州和印第安纳州的证据
Pub Date : 2017-07-17 DOI: 10.1111/jels.12173
Mohammad H. Rahmati, D. Hyman, Bernard Black, Jing Liu, C. Silver
Many physicians and tort reform advocates believe that most medical malpractice (“med mal”) claims are “frivolous”; they often rely on reports that only about 20% of claims result in a payout. Many physicians and reform advocates also believe that plaintiffs lawyers often sue every health provider with even a remote a connection to the patient. Plaintiffs’ lawyers insist that they screen med mal cases carefully, and when they bring a claim, are selective in whom they sue. Can these perspectives be harmonized? We study this question using databases of every insured med mal claim closed in Illinois during 2000-2010 and in Indiana during 1980-2015; and semi-structured interviews with six plaintiffs’ lawyers. We innovate by using defense costs to assess whether the plaintiffs’ lawyers take a case seriously. We treat cases with under $5k in defense spending as “non-serious” cases, unless they have a payout over $25k. We find evidence that many “cases” are non-serious – they never involved filed lawsuits or if they did, the suits were soon dropped – indicating that screening is an ongoing process that does not end when a case is accepted. Observed success rates are sensitive to whether one counts “claims” (each defendant is a separate claim) or “cases” (one plaintiff versus one or more defendants), includes both pro se and represented cases, and includes all versus only serious cases. If we analyze cases instead of claims and limit to serious, represented cases, we find much higher success rates (43% in Illinois; 44% in Indiana). Success rates are higher still in cases brought solely against institutional defendants (58% in Illinois; 68% in Indiana). Plaintiffs’ lawyers are also selective in the number of defendants they sue. In med mal cases involving only physicians and/or institutions, the mean number of defendants is 1.5 in Illinois and 1.8 in Indiana. Online Appendix can be found here: http://ssrn.com/abstract=3010344.
许多医生和侵权改革倡导者认为,大多数医疗事故(“med mal”)索赔是“轻浮的”;他们经常依赖的报告是,只有大约20%的索赔最终会得到赔偿。许多医生和改革倡导者也认为,原告律师经常起诉每一个与病人有远程联系的医疗服务提供者。原告律师坚持说,他们会仔细筛选医疗案件,当他们提出索赔时,他们会有选择性地起诉谁。这些观点能够协调一致吗?我们使用了2000-2010年在伊利诺伊州和1980-2015年在印第安纳州完成的所有医疗事故保险索赔的数据库来研究这个问题;以及对六名原告律师的半结构化采访。我们创新地使用辩护费用来评估原告律师是否认真对待案件。我们把国防开支低于5000美元的案件视为“非严重”案件,除非他们的支出超过2.5万美元。我们发现有证据表明,许多“案件”并不严重——它们从未涉及提起诉讼,或者即使提起诉讼,诉讼也很快被撤销——这表明筛选是一个持续的过程,并不会在案件被接受后结束。观察到的成功率对一个人是否计算“索赔”(每个被告都是一个单独的索赔)或“案件”(一个原告对一个或多个被告)很敏感,包括自辩案件和被代理案件,包括所有案件,而只包括严重案件。如果我们分析案例而不是索赔,并将其限制在严重的、有代表性的案例中,我们会发现成功率要高得多(伊利诺伊州为43%;印第安纳州44%)。仅针对机构被告的案件成功率更高(伊利诺伊州为58%;印第安纳州68%)。原告律师在起诉被告的数量上也是有选择性的。在仅涉及医生和/或机构的医疗案件中,被告的平均人数在伊利诺伊州为1.5人,在印第安纳州为1.8人。在线附录可以在这里找到:http://ssrn.com/abstract=3010344。
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引用次数: 3
A Reflexive Approach to Accident Law Reform 事故法改革的反思途径
Pub Date : 2016-06-29 DOI: 10.5040/9781782257912.ch-003
Erik S. Knutsen
The Canadian accident law system has been a microcosm of social experiments in legal reform. The chief concerns motivating any accident law system reform efforts in Canada have been the perennial issues that prompt accident law reform in any country: litigation cost containment, insurance cost containment, processing delay, and concerns about fraud. Many Canadian initiatives to address personal injury compensation processes have mirrored the recent Irish reform approaches, and with varying successes and failures. There are two important aspects about the comparative value in examining what both countries have separately done to address the issue of compensation for personal injury. The first lies in learning how different legal cultures, different national identities, and different political and industry pressure points lead to remarkably similar institutional creations. The second lies in how each country’s failures and gains realised from these reform efforts may also track each other in parallel fashion. What does this mean?For Canada and for Ireland, it means that for realising gains in creating a fair, efficient accident law system, assessment of any reform efforts must proceed in a holistic and systemic fashion by keeping three distinct though not separate legal structures in mind: tort and liability law, insurance law and the law and behaviour surrounding civil litigation. Each of these structures must, in turn, somehow be tempered by a fourth overarching structure: justice. This chapter examines how accident law reform can most wisely proceed by adopting a reflexive approach to ensure reform accountability that considers the effects of any reform on liability law, insurance law, civil litigation, and justice concerns. It uses two common accident law reform mechanisms as examples of this approach: the damages limiter and the public dispute resolution mediary.
加拿大的事故法律制度是法律改革社会实验的一个缩影。激励加拿大事故法律制度改革努力的主要问题一直是促使任何国家事故法律改革的长期问题:诉讼成本控制、保险成本控制、处理延迟和对欺诈的关注。加拿大解决人身伤害赔偿程序的许多举措反映了爱尔兰最近的改革方法,并取得了不同的成功和失败。在考察两国分别为解决人身伤害赔偿问题所做的工作时,比较价值有两个重要方面。首先是学习不同的法律文化、不同的民族认同、不同的政治和行业压力点如何导致极为相似的制度创造。第二个问题在于,每个国家从这些改革努力中获得的失败和收获如何也可能以平行的方式相互追踪。这是什么意思?对加拿大和爱尔兰来说,这意味着要在创造一个公平、有效的事故法律体系方面取得成果,对任何改革努力的评估必须以整体和系统的方式进行,要牢记三个不同但不是独立的法律结构:侵权和责任法、保险法以及围绕民事诉讼的法律和行为。每一种结构都必须依次以某种方式受到第四个总体结构的调和:正义。本章探讨了事故法改革如何通过采用反思性方法来确保改革问责制,从而最明智地进行改革,并考虑到任何改革对责任法、保险法、民事诉讼和司法问题的影响。本文以两种常见的事故法改革机制为例:损害赔偿限制机制和公共纠纷调解机制。
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引用次数: 0
Fractional Standing 部分站
Pub Date : 2016-02-01 DOI: 10.2139/ssrn.3885669
Daniel E. Rauch
Generations of commentators have examined (and critiqued) standing doctrine. The fiercest clash has turned on the question of “injury”—specifically, what type of grievance is sufficient to merit court consideration. Defining “injury” is no easy task, and in recent years, substantial inquiry has focused on just what harms should qualify an individual as “injured.” Subjective fear? Lost aesthetic enjoyment? Increased risk of death? Increased risk of genetic crop contamination? Long-term hazards of climate change? And so on. Surely, these debates are of great importance. Yet up to this point, judges and scholars have almost all assumed an “injury binary”: either an individual has received a hurt sufficient to qualify for standing, or she has not. This Note rejects this binary, and instead argues for a third path: “fractional injury.” A fractional injury is one that, if manifest in a lone individual, would be insufficient to grant standing. Should multiple individuals experience this injury and band together as a group to demand relief, however, then their collective grievance would be sufficient to merit standing. The upshot of this approach would be a class of injuries for which “fractional standing” – the standing of the united fractions—would be recognized. This Note offers the first systematic exploration—and defense—of fractional stand-ing. After briefly reviewing existing standing doctrine, the Note proceeds to illuminate the current “standing binary” and identify courts and commentators who have already gestured toward a notion of “fractional standing.” Here, I highlight several real-world cases, such as the D.C. Circuit’s prominent ruling in Natural Resources Defense Council (NRDC) v. E.P.A and the Supreme Court’s decision in Clapper v. Amnesty International. Ultimately, though, my aim is less descriptive than normative, and so the balance of the Note argues that, irrespective of their current status, fractional injuries should be recognized going forward. Specifically, I argue that fractional standing would vindicate the core purposes of standing doctrine’s injury requirement—ensuring effective legal advocacy, dispensing constitutional justice, marshaling scarce resources, and preserving separate powers. I also assess and respond to several important objections.
一代又一代的评论家已经审查(并批评)了现存的教义。最激烈的冲突集中在“伤害”的问题上——具体来说,什么类型的申诉足以值得法院考虑。定义“伤害”不是一件容易的事,近年来,大量的调查集中在什么样的伤害才能使一个人成为“受伤”。主观的恐惧?失去审美享受?死亡风险增加?转基因作物污染风险增加?气候变化的长期危害?等等......当然,这些辩论是非常重要的。然而,到目前为止,法官和学者们几乎都假设了一种“伤害二元论”:一个人要么受到了足以获得诉讼资格的伤害,要么没有。本文反对这种二元对立,而主张第三种路径:“分数伤害”。轻微伤害是一种伤害,如果出现在一个单独的个人身上,将不足以授予诉讼资格。然而,如果多个个体经历这种伤害并联合起来作为一个群体要求救济,那么他们的集体不满将足以获得诉讼资格。这种方法的结果将是一类“分数地位”的伤害——统一分数地位——将被承认。本文首次对分数站立进行了系统的探索和辩护。在简要回顾了现有的诉讼资格原则之后,《说明》继续阐明了当前的“二元诉讼资格”,并指出了已经倾向于“部分诉讼资格”概念的法院和评论员。在这里,我重点介绍几个现实世界的案例,比如华盛顿特区巡回法院在自然资源保护委员会(NRDC)诉epa案中做出的突出裁决,以及最高法院在克拉珀诉国际特赦组织案中的裁决。不过,最终,我的目的与其说是描述性的,不如说是规范性的,因此,《说明》的结束语认为,无论目前的状况如何,未来都应该承认轻微伤害。具体地说,我认为分项诉讼资格将证明诉讼资格原则损害要求的核心目的是正确的——确保有效的法律辩护、分配宪法正义、整合稀缺资源和维护独立权力。我还评估并回应了几个重要的反对意见。
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引用次数: 2
Justifying Exceptions to Proof of Causation in Tort Law 侵权法中因果关系证明例外的正当性
Pub Date : 2015-09-01 DOI: 10.1111/1468-2230.12142
S. Steel
This article defends a set of exceptions to the general rule in tort law that a claimant must prove that a particular defendant's wrongful conduct was a cause of its injury on the balance of probabilities in order to be entitled to compensatory damages in respect of that injury. The basic rationale for each exception is that it provides a means of enforcing the defendant's secondary moral duty to its victim. The article further demonstrates that the acceptance of this set of exceptions does not undermine the general rule.
本文为侵权法中一般规则的一系列例外情况进行了辩护,即索赔人必须证明特定被告的不法行为是造成其损害的原因,以便有权就该损害获得补偿性损害赔偿。每个例外的基本原理是,它提供了一种强制执行被告对其受害者的次要道德义务的手段。文章进一步表明,接受这组例外并不破坏一般规则。
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引用次数: 8
Local Authority Liability for Flooding: Where Should Loss Fall? 地方当局对洪水的责任:损失应该落在哪里?
Pub Date : 2015-07-01 DOI: 10.26686/VUWLR.V46I1.4933
S. Brennan
Flooding is New Zealand’s most frequent natural hazard the cost of which is outdone only by the recent Canterbury earthquakes. Local authorities are the bodies primarily tasked with protecting communities against flooding through a range of measures including physical works such as stopbanks. This essay explores the extent to which a local authority can be liable in tort where those physical works fail, causing damage. Direct liability and non-delegable duties are discussed, the latter addressing whether a local authority can nevertheless be liable having outsourced the construction of flood works to independent contractors. Additionally, whether local authorities should be liable for such damage or whether individual property owners ought to protect their own interests through insurance is discussed.This essay recommends that property owners should purchase private insurance, but that local authorities should remain liable at least for their own negligence.
洪水是新西兰最常见的自然灾害,其损失仅次于最近的坎特伯雷地震。地方当局是主要负责通过一系列措施保护社区免受洪水侵害的机构,其中包括诸如防洪堤等物理工程。本文探讨了在这些实物作品失败并造成损害的情况下,地方当局可在何种程度上承担侵权责任。讨论了直接责任和不可委托责任,后者涉及地方当局将防洪工程的建设外包给独立承包商后是否仍然可以承担责任。此外,还讨论了地方当局是否应对这种损害负责,或者个人财产所有者是否应该通过保险保护自己的利益。本文建议,财产所有者应该购买私人保险,但地方当局至少应该对自己的疏忽负责。
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引用次数: 3
Overcoming Under-Compensation and Under-Deterrence in Intentional Tort Cases: Are Statutory Multiple Damages the Best Remedy? 克服故意侵权案件中的赔偿不足和威慑不足:法定多重损害赔偿是最好的救济吗?
Pub Date : 1900-01-01 DOI: 10.2139/ssrn.2501376
Stephen J. Shapiro
This Article advocates that states' statutes make greater and more systematic use of multiple damages by extending them to a much broader range of intentional, wrongful conduct. Part II of this Article will explain why extra-compensatory relief is called for when tortious conduct is intentional or malicious. Part III will compare punitive damages, attorney fees, and treble or other multiple damages as possible sources of additional relief. Part IV will focus on multiple damages. The Article will examine the range of existing state statutes and discuss why and how those statutes might be extended to a broader range of wrongful behavior.
本文主张各州的法规通过将多重损害赔偿扩大到更广泛的故意的、错误的行为范围,从而更广泛、更系统地使用多重损害赔偿。本文第二部分将解释为什么当侵权行为是故意的或恶意的时需要额外的赔偿救济。第三部分将比较惩罚性损害赔偿、律师费和三倍或其他多重损害赔偿作为额外救济的可能来源。第四部分将重点讨论多重损害赔偿。本文将审查现有州法规的范围,并讨论为什么以及如何将这些法规扩展到更广泛的不法行为范围。
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引用次数: 4
期刊
LSN: Tort Litigation
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