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被告死亡不同于自然死亡,是人民法院依法宣告下落不明的公民死亡的一种法律制度。那么,二者的法律后果是否相同?在保险合同纠纷中,宣告死亡是否属于保险事故?如果保险条款中的免责情形不包括宣告死亡,保险人是否还应承担理赔责任?当事人对保险合同条款有争议时,人民法院应遵循怎样的解释原则?
The death of a defendant, unlike natural death, is a legal system by which the people’s court declares the death of a deceased citizen according to law. So, the legal consequences of the two are the same? In the insurance contract dispute, declared the death is an insurance accident? If the insurance clause in the exemption does not include the declaration of death, the insurer should bear the liability claims? The parties to the insurance contract terms When disputes, the people’s court should follow what principle of interpretation?