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近年来我国保险诉讼案件增势不减,有的历经一审、二审,有的还要再审。本文通过对北京某人寿保险股份有限公司2005～2008年和解、诉讼预期的调研数据进行描述性统计和回归分析,发现保险公司从自身和投保人两个视角对诉讼结果进行预期时,预期诉讼赔付金额和诉讼成本与其愿意赔付金额存在更强的相关性。但新的《保险法》提出后,保险公司预期诉讼赔付金额时较之前更多地考虑到投保人索赔金额,且保险公司预期诉讼赔付金额与投保人索赔金额之间的显著差异消失。
In recent years, the insurance lawsuit cases in our country have been on the rise. Some have gone through the first instance, the second instance, and some have to retrial. Through the descriptive statistics and regression analysis of the investigation data of Beijing Life Insurance Co., Ltd. 2005-2008 reconciliation and litigation expectation, this paper finds that when the insurance company anticipates the litigation result from the two perspectives of itself and the insured, There is a stronger correlation between the amount and litigation cost and the amount it is willing to pay. However, after the new Insurance Law was proposed, the insurance company expected more litigation claims than ever before, and the insurer expects significant differences between litigation claims and policyholder claims to disappear.