The glaring gap in tort theory is its failure to take adequate account of liability insurance. We explain how to begin filling the gap in tort theory that results from omitting consideration of liability insurance, showing how liability insurance can appropriately figure in both deontic and consequentialist theories of tort.

中文翻译：

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侵权理论中的明显差距

侵权理论的明显缺陷是它没有充分考虑责任保险。我们解释了如何开始填补侵权理论中因忽略责任保险而产生的空白，并展示责任保险如何在道义主义和结果主义侵权理论中适当地体现。