The insurer trespass the lawful line if he give insurance indemnity to malignant party , but it is law for the party to get insurance proceeds of covered perils in spite of their gross fault , without the damage to the public interest 对于其理论根据主要分为一般责任理论说、偶然性欠缺说、条件成就说、公益说和危险除外说。对于其适用范围主要分为自己责任主义说和代表人责任主义说。