From Contract Law to Insurance Law:The Flourish and Development of the Reasonable Expectation Principle

合理期待原则是美国现实主义法学思潮下新古典契约法理论的产物.该原则超越了传统的合同解释规则,也扩张了传统保险法的规制手段.新古典契约主义思潮使该原则成为法院衡平保险合同当事人之间权利义务的最佳利器.由于该原则过于抽象化,合理期待原则亦可能成为司法权扩张的帮凶.因而,在梳理合理期待原则的功能定位与发展脉络的前提下,在合同解释规则和保险法规则中正确置放该原则,并使其成为保险合同解释规则的最后防线是我国未来保险法司法实务正确适用合理期待原则的基本立场.The Reasonable Expectation Principle(Principle)is the product of the Neo-classical Contract Law Theory under the American Realist Legal Thoughts.The Principle not only goes beyond the traditional rules of contract interpretation,but also expands the traditional insurance law regulation means.Neo-classical Contractarianism makes the Principle the best tool for the court to balance the rights and obligations between the parties of insurance contract.However,becauseit is too abstract,the Principle may also become an "accomplice" of the expansion of judicial power.Therefore,in the premise of combing the function orientation and development thread of the Principle,correctly placing the Principle in the contract interpretation rules and the insurance law rules and making it the final line of the insurance contract interpretation rule is the basic position of the correct application of insurance lawin the future judicial practice.223-283