保險最大誠信原則ppt課件(編輯修改稿)
2025-06-02 02:01 本頁面
【文章內容簡介】 usts to his representation and proceeds upon confidence that he does not keep back any circumstance in his knowledge to mislead the underwriter into a belief that the circumstance does not exist. The keeping back such circumstance is a fraud, and therefore the policy is void. Although the suppression should happen through mistake, without any fraudulent intention, yet still the underwriter is deceived and the policy is void。 because the risque run is really different from the risque understood and intended to be run at the time of agreement ?The policy would be equally void against the underwriter if he concealed ? Good faith forbids either party, by concealing what he privately knows to draw the other into a bargain from his ignorance of the fact, and his believing the contrary. 1906年英國海上保險法 MIA 告知及陳述 Disclosure and Representations . 17 － 最大善意 海上保險契約係基於最大善意之契約，任何一方 未遵守最大善意，他方得使契約無效。 . 18 被保險人之告知 依本條之規(guī)定，被保險人應於契約完成前，將其知悉之所有重要事項告知保險人被保險人對於業(yè)務通常過程可得知悉之各事項，視為被保險人應被視為知悉。被保險人如不為是項告知，保險人得使契約無效。 凡足以影響謹慎保險人釐訂保險費之判斷或是否予以承保該風險之任何事項均為重要事項。 下列事項如保險人未加詢問得不予告知： 凡減小危險之事項。 保險人所知悉或推定其應知悉之事項。對眾所皆知之事項及保險人於其業(yè)務之通常過程中應知曉之知識或事項，均推定其為知悉。 凡保險人放棄被告知之事項。 凡由於明示或默示保險條款規(guī)定無須告知之事項。 未經告知
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