责任保险是指以被保险人对第三人依法应负的民事赔偿责任为保险标的保险。法经济学是用经济学的方法和理论考察、研究法律和法律制度的学科。从法经济学的角度对责任保险这一法律制度进行分析,可以考察其产生和发展的合理基础,从而更加深刻地理解此项制度。 Liability insurance refers to the insured person to the third party in accordance with the law of civil liability for the insured subject matter insurance. Law and Economics is the study of the law and the legal system using the methods and theories of economics. Analyzing the legal system of liability insurance from the perspective of law and economics can examine the reasonable basis for its emergence and development so as to understand the system more deeply.