保险合同当事人

保险合同当事人诚信缺失的法律规制研究

Study on the Legal Regulation for the Lack of Honesty of Insurance Contract Party

这些现象产生的原因主要集中在保险合同当事人没有忠诚善意履行合同义务。

These phenomena are mostly caused by the insurance litigants ' execution without fidelity and good faith .

为实现保险合同当事人的利益平衡，应加强对责任保险中保险人参与权的内容及其效果的分析，并将其与被保险人的告知义务联系起来进行研究。

To avoid more disputes , we should strengthen the research on the participation right , and carry on this research with the informative obligation of the insured .

危险增加是指保险合同当事人在缔约时预料的保险标的的危险在合同的有效期内程度增强。

Danger increases is the insurance mark that shows insurance contract party expects when conclude a treaty danger increases in the degree inside the period of efficacy of the contract .

保险合同当事人诚信义务履行方面所暴露出来的诸多问题，制约了保险业的发展，使保险业难以充分发挥其应有的社会作用。

Insurance contract the parties with regard to good faith obligation to reveal the many problems which restrict the development of the insurance industry , the insurance industry is difficult to fully play its due role in society .

保险合同双方当事人都应该尽到最大的善意并且相互披露所有的相关事实。保险范围写在基本保险单和各种险别条款里。

Parties to an insurance contract are required to exercise the utmost good faith and disclose all relevant matters to each other . The coverage is written in the basic form and clauses .

该部分主要是从保险合同双方当事人利益出发，将双方的义务进行比较。

This part of the mainly from the parties to an insurance contract interest , comparing the obligations of the parties .

保险合同双方当事人都应该尽到最大的善意，并且想到披露所有的相关事实。

Parties to an insurance contract are required to exercise the utmost good faith and disclose all relevant matters to each other .

保险合同的当事人可以依据法律规定或者保险合同的约定单方解除合同，也可以协商解除合同。

The party of insurance contract could rescind the contract unilaterally according to the law and the contract or negotiation with the other party .

成果二、保险合同对当事人诚实信用的要求，要比一般民事活动更为严格。

Two , the requirements of good faith to the insurance contracts parties , should be more strict than that of general civil activities .

虽然保险合同双方当事人在形式上是平等的，但由于其利益交换形式的特殊性，存在着实质不平等的潜能；

Though both parties of insurance contract are equal in form , since its interest exchange is particular , the unequal latent really exists ;

为深入研究不可抗辩规则，首先应从其起源进行研究，历数不可抗辩条款的发展历程及各国实践，不可抗辩规则兼顾了保险合同双方当事人的利益。

Enumerating the terms of the development process of incontestable articles and national practice , the rules taking into account the interests of both the insurance contract parties .

实践中，因海上保险合同一方当事人不遵守最大诚信原则而引发的纠纷时有发生，这严重影响了正常的交易秩序和保险业的正常发展。

In practice , there are many disputes arose because of one party of the contract not abide by the principle .

就保险合同而言，当事人之间的合同效力主要有以下几种类型：保险合同成立后立即生效；

In the case of insurance contracts , for parties involved , effectiveness of them falls into the following types : the insurance contact becomes effective immediately after it comes into existence ;

保险欺诈损害保险合同当事人的合法权益，扰乱保险市场秩序。

Insurance cheating does damage to legitimate right of contract party and disturb order of insurance market .

海上保险合同的解除对当事人双方的利益有着巨大影响。

Rescission of the contract of marine insurance has a huge impact to the interests of both the parties .

文章结合英国最新权威判例，分析了各种类型预约保险合同的特征和当事人的权利义务，提出《海商法》中预约保险制度需进一步完善之处。

This paper analyses the characteristics of all kinds of open cover and the rights and obligations of the parties , and suggested revision opinions pertaining to open cover are put forwarded .

然而，在现实的保险实践中，因保险合同当事人诚信缺失而导致的保险纠纷司空见惯。

However , in the reality insurance practice , the dispute which causes because of the Lack of Honesty of Insurance Contract Party is commonly seen .

诚实信用原则在保险法中的适用主要表现为保险合同当事人、保险合同工关系人、保险合同辅助人的诚实信用义务。

Its application is mainly the good faith obligations of each party .

人身保险合同的生效是指人身保险合同对当事人双方产生法律约束力。

Personal insurance contract validation means that the personal insurance contract has a legal binding on both parties .

人身保险合同的成立是指人身保险合同的当事人对保险合同的主要条款达成意思表示一致。

The formation of personal insurance contract refers to both the clients reaching an agreement on the main provisions of insurance contract .

第三，论文采用成本收益分析法对保险合同纠纷的处理机制进行分析，对保险合同纠纷当事人选择不同的处理机制解决纠纷进行了经济学解释，并为政府建立多元化纠纷的处理机制提供了经济学依据。

Thirdly , in the analysis of the resolution mechanism of insurance contract disputes , the author has applied cost-benefit method to explain why different parties choose different resolution mechanism and why the government establishes diversified resolution mechanisms .

保险条款是保险合同的主要内容，直接规定保险合同当事人的权利和义务，对保险合同当事人具有约束力，是保险合同得以履行的依据和条件。

Clauses is the main content of insurance contract , set the right of insurance contract party and obligation directly , have sanction to insurance contract party , it is the basis that insurance contract is able to fulfill and condition .

财产保险利益以可能损害为量化标准，人身保险利益以合同当事人的约定为依据。

Property insurance interest takes possible damage as its quantitative standard , and life insurance interest is based on contracting parties agreement .

紧接着文章对保险责任免除做了伦理性分析，阐述了保险法对保险合同当事人的道德伦理要求也部分地、直接或间接地导致了保险责任的免除。

Thirdly , the paper debates that the requirement of moral ethics for the insurance contract parties in the Insurance Law also partly , directly or indirectly results in the exemption of insured liability .

保单质押不仅要符合有关权利质权的规定，也要遵循《保险法》中有关保单出质的特别规定以及保险合同中双方当事人的约定。

Policy mortgage will not only comply with the relevant provisions of the Rights mortgage , it must follow the special provisions in " Insurance Law " about policy mortgage , as well as provisions in insurance contracts agreed by both parties .

投保人和保险人是保险合同关系中享有权利并承担义务的人，是保险合同当事人。

Policy-holder and underwriter are the person that the right is enjoyed in insurance contract concern and assumes obligation , it is insurance contract party .

第三章保险利益原则的效力范围：主要包括保险利益的时间效力、保险利益对人的效力、保险合同当事人在保险利益诉讼中的地位。

The third chapter deals with the effective scope of the principle of insurable interest , mainly including the effect of time and that to person of insurable interest , and the status of the contracting parties in the litigation relating to insurable interest .

因此，笔者认为应该承认第三人向保险人直接请求保险赔偿金的权利。这种直接的请求权既可以由法律规定，也可以由专家责任保险合同双方当事人约定。

The scope of professional responsibility insurance is limited by the insurance contract of professional responsibility . The direct claim of the third party includes the direct claim stipulated by the law or that agreed in professional responsibility insurance contract .