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[4]Mark C. Rahdert, Reasonable Expectations Revisited, Connecticut Insurance Law Journal, 1998, v. 5£¬pp.112¡ª113.
[5]¡¶·¨¹úÃñ·¨µä¡·Ó¢Òë±¾µÚ1162ÌõÔÎÄΪIn case of doubt, an agreement shall be interpreted against the one who has stipulated, and in fa your of the one who has contracted the obligation.
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[7]²Î¼ûÐìÎÀ¶«£º¡¶ÉÌ·¨»ù±¾ÎÊÌâÑо¿¡·£¬·¨Âɳö°æÉç2002Äê°æ£¬µÚ355Ò³¡£
[8]²Î¼û·®ÆôÈÙ£º¡¶±£ÏÕºÏͬ¡°ÒÉÒåÀûÒæ½âÊÍ¡±Ö®½âÊÍ¡ª¶Ô¡´±£ÏÕ·¨¡µµÚ30ÌõµÄÄ¿µÄ½âÊͺÍÏÞËõ½âÊÍ¡·£¬ÔØ¡¶·¨ÉÌÑо¿¡·2002ÄêµÚ4ÆÚ¡£½³¯¹ú£º¡¶±£ÏÕ·¨»ù´¡ÀíÂÛ¡·£¬ÖйúÕþ·¨´óѧ³ö°æÉç2002Äê°æ£¬µÚ38Ò³¡£
[9]Jeffrey R. Pawelski, Insurers Don' t Need the Court to "Babysit" Them: an Argument for Reasonable Expectations in American Family Mutual Insurance Co.v£®Elliot, South Dakota Law Review, 1996, v. 41£¬pp. 375¡ª376.
[10]Robert E. Keeton£¦Alan I. Widiss, Insurance Law, West Publishing Co.£¬1988, p.12.
[11]ǰÒý[2]David S. MillerÎÄ£¬p. 1854.
[12]Bradley D. Liggett, Contra Applicantem or Contra Proferentem Applicatio £º the Need Forclanfication of the Doctrine of Contra Proferentem in The Context of Insured-Created Ambiguities in Insurance Applications£¬Brigham Young University Law Review, 2008, v. 1, pp. 222¡ª223.
[13]²Î¼ûÂíÁ¦£º¡¶ÂÛ±£ÏÕºÏͬµÄÓÐÀû½âÊÍÔÔò¡·£¬ÔØ¡¶±±»ª´óѧѧ±¨£¨Éç»á¿ÆÑ§°æ£©¡·2002ÄêµÚ3ÆÚ¡£
[14]ǰÒý[2]Jeffrey W. StempelÎÄ¡£
[15]K. Abraham, Distributing Risk :Insurance , Legal Theory, and Pubic Policy, Yale University Press ,1986 , pp. 122¡ª123. .
[16]²Î¼û³Â°ÙÁ飺¡¶ÂÛ±£ÏÕºÏͬ½âÊÍÖеĺÏÀíÆÚ´ýÔÔò¡·£¬ÔØ¡¶·¨ÂÉÊÊÓá·2004ÄêµÚ7ÆÚ¡£
[17]Áõ×ÚÈÙ£º¡¶±£ÏÕ·¨¡·£¬ÈýÃñÊé¾Ö1995Äê°æ£¬µÚ11¡ª12Ò³¡£
[18]²Î¼ûËïºêÌΣº¡¶±£ÏÕºÏͬ½âÊÍÖеĺÏÀíÆÚ´ýÔÔò̽Îö¡·£¬ÔØ¡¶µ±´ú·¨Ñ§¡·2009ÄêµÚ4ÆÚ¡£
[19]ǰÒý[2]Robert E KeetonÎÄ£¬pp. 963¡ª975.
[20]ÔÚÃÀ¹ú£¬ÓÐѧÕßÈÏΪ£¬ÔÚ±£ÏÕºÏͬ½âÊÍÖÐÊÊÓÃÒÉÒåÀûÒæ½âÊÍÔÔòµÄÖ÷ÒªÔÒòÔÚÓÚ±£ÏÕºÏͬµÄÌØÊâÐÔÒÔ¼°±£ÏÕÒµµÄ¡°×¼¹«ÖÚÉÌÒµÐÔ¡±¡£Ðí¶àÃÀ¹ú·¨ÔºÒ²ÈÏΪ£¬±£ÏÕºÏͬÖи½¼ÓÁ˹«¹²ÀûÒæ£¬ÓбØÒª½øÐÐ˾·¨¸ÉÔ¤¡£´ËÍ⣬һЩ·¨Ôº»¹²ÉÄÉÁ˸üΪ¼¤½øµÄ¹Ûµã£¬¼´³¹µ×·ñÈϱ£ÏÕºÏͬµÄ˽·¨ÊôÐÔ£¬²¢ÈÏΪ±£ÏÕºÏͬµÄÖ÷Òª×÷ÓÃÔÚÓÚ±£»¤¹«¹²ÀûÒæ£¬Òò´Ë£¬ÓбØÒªÇ¿»¯¶Ô±£ÏÕ¹«Ë¾µÄ¼à¹Ü¡£See Slawson,Standard Form Contracts and Democratic Control of Lawmaking Power, Harvard Law Review, 1971£¬v. 84, p. 529£»Ç°Òý[15],p. 109.
[21]²Î¼û»ÆÇóУº¡¶Ç³Îö¡°±£ÏÕºÏͬÒÉÒåÀûÒæ½âÊ͹æÔò¡±¡·£¬ÔØ¡¶¿Æ¼¼Óë·¨ÂÉ¡·2007ÄêµÚ4ÆÚ¡£
[22]²Î¼ûñûÓÐÍÁ£º¡¶±£ÏÕ·¨¸ÅÂÛ¡·£¬±±¾©´óѧ³ö°æÉç2001Äê°æ£¬µÚ255Ò³¡£
[23]ǰÒý[7]£¬µÚ356Ò³¡£
[24]²Î¼ûÕÅÑࣺ¡¶±£ÏÕºÏͬ½âÊÍÖеÄÒÉÒåÀûÒæ½âÊÍÔÔò¡ª¼æÌ¸¶Ô¡´±£ÏÕ·¨¡µµÚ30ÌõµÄÀí½âºÍÊÊÓá·£¬ÔØ¡¶·¨ÖÎÂÛ´Ô¡·2002ÄêµÚ3ÆÚ¡£
[25]ÕýÈçÓ¢¹ú±£ÏÕ·¨Ñ§ÕßClarkËùÖ¸³öµÄ£¬ÒÉÒåÀûÒæ½âÊÍÔÔòÖ»ÊÇ¿ÉÒÔ½èÖúµÄÅÅÔÚµÚ¶þ˳λµÄ½âÊÍÔÔò£¬Ö»ÓÐÔÚ²ÉÈ¡ÆäËû½âÊÍÔÔòÎÞ·¨È·¶¨±£ÏÕºÏͬº¬ÒåµÄÇéÐÎϲſÉÒÔ²ÉÓøÃÔÔò¡£See Malcolm A Clarke, The Law of Insurance Contracts £¨6th edition£©£¬Inform UK Ltd£¬2009, pp.457¡ª458.
[26]Kenneth Cananar, Essential Cases in Insurance Law Wood head¡ª Faulkner, Canb¡ªridge , 1985 , p. 11£®×ªÒý×ÔǰÒý[8]¡£
[27]²Î¼ûÍõ½Áè¡¢¹ù½¡±ó£º¡¶¡°²»Àû±£ÏÕÈ˽âÊ͹æÔò¡±Ïà¹Ø·¨ÂÉÎÊÌâÑо¿¡·£¬ÔØ¡¶±£ÏÕÑо¿¡·2006ÄêµÚ1ÆÚ¡£
[28]²Î¼ûÁºÓîÏÍ£º¡¶±£ÏÕ·¨ÐÂÂÛ¡·£¬ÖйúÈËÃñ´óѧ³ö°æÉç2004Äê°æ£¬µÚ104Ò³¡£
[29]ǰÒý[24]¡£
[30]ǰÒý[11]£¬pp. 1860¡ª1862.
[31]Priest, The Current Insurance Crisis and Modern Tort Law, Yale Law Joumal,1987£¬v. 96, pp. 1542¡ª1544
[32]Epstein, Products Liability as an Insurance Market, Journal of Legal Studies, 1985£¬v. 14, pp. 668¡ª669.
[33]Pauly, The Economics of Moral Hazard: Comment, American economic review, 1968£¬v.58, p.531.
[34]ǰÒý[31]£¬p. 1547.
[35]Michael B. Rappaport, The Ambiguity Rule and Insurance Law : Why Insurance Contracts Should not be Construed Against the Drafter, Georgia Law Review, 1995£¬v.30, pp.202¡ª203.
[36]ǰÒý[7]£¬µÚ 366Ò³¡£
[37]See American Home Products Corp. v. Liberty Mutual Insurance Co. 565 F. Supp. 1485 £¨S. D. N. Y. 1983£©.
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