随着我国保险市场的快速发展和社会公众法律意识的不断提高,保险合同纠纷诉讼案件日趋增多。为此当事人须耗费大量的金钱、时间、精力,这些均计入诉讼成本,区别只在于:一方耗费的诉讼成本多一些,另一方耗费的诉讼成本少一些。不管最后的结果如何,当事人都是输家,是“双输”的结果。究其原因,是保险合同当事人没有权衡好前期交易成本与后期执行成本的关系,前期交易成本过低,致使后期执行成本高昂。 With the rapid development of China’s insurance market and the continuous improvement of legal awareness of the public, the number of litigation disputes in insurance contracts is on the increase. To this end the parties must spend a lot of money, time and energy, which are included in litigation costs, the difference is that: one litigation cost more than the other litigation costs spent less. Regardless of the final result, the parties are losers, the result of “double lose ”. The reason is that the parties to an insurance contract do not weigh the relationship between the previous transaction costs and the later execution costs, and the transaction costs in the previous period are too low, resulting in the high implementation costs in the later period.