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保险法上的“火”,是指足以致成灾害的火.火无论大小,凡是能够造成灾害的,都叫火灾.火灾保险是指保险人基于保险合同,对特定的标的物直接或间接因火而致损毁灭失时负责赔偿的责任.由此可见,火灾即指因火而发生的损害.保险人负责的火是指意外有害的火.换句话说,它不是有心点燃的火,更不是恶意纵放的火.美国的保险法学者将火分为“有善之火”和“敌意之火”.其中,“友善之火”是指无害的火,即出于利用的目的,被引燃于特定的地点并且在应该燃烧的地方燃烧着的火.由于
The “fire” in the insurance law refers to the fire enough to cause a disaster, regardless of the size of the fire, which can cause disasters, are called fires.Fire insurance refers to the insurer based on insurance contracts, the specific subject matter directly or indirectly due to fire Which means that the fire refers to the damage caused by the fire.The fire that the insurer is responsible for refers to the fire that is unhealthy and harmful.In other words, it is not a fire that is intentionally ignited, but not malicious Longitudinal fire. American insurance law scholars divide fire into “good fire” and “hostile fire.” Among them, “fire of friendliness” refers to harmless fire, which is ignited for the purpose of utilization A specific place and a burning fire where it should be burned