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ID:32243920
大小:2.58 MB
页数:65页
时间:2019-02-02
《保险合同解释中的合理期待原则的研究》由会员上传分享,免费在线阅读,更多相关内容在学术论文-天天文库。
1、用前提,并应从投保人的主客观条件、保险人对投保人期待的认知能力等因素来把握期待的“合理扎I生,同时对合理期待的适用存在仅限于格式条款、不适用于制定法或行政法规规定的条款等的限制。总之,合理期待原则对保险人之制度性优越地位起到了很好的限制作用,有效的平衡了双方当事人的利益,其精髓值得我国保险法汲取。关键词:保险合同,合理期待原则,格式合同,合同解释原则,保险法IlABSTRACTReasonableExpectationPrinciple,anew—emergingprincipleoftheinsu
2、rancecontractinterpretation,refersthatoneshouldtakethereasonableexpectation,whichisarousedbytheinsurerorinsured’Scovenantedpurposeofthecontract,asthestartingpointwhentheclienthasdisputeintheinterpretationoftheinsurancecontent.Theprincipleistheconcretem
3、anifestationofthoughtofspiritlawininsurancecontractabouttheregulationinoverflowingmodelcontract,thepursuitofjusticeincontractlawintherealmeaning.Itisofgreatimportanceinprotectingtheinterestsoftheinsuredortheinsurerandpromotingthedevelopmentofinsurancei
4、ndustry.Sincetheprincipleofreasonableexpectationsgenerated,ithasbeencontroversial,whichismainlybecausefirst,thetheoryisnotonlyadeparturefromtheprincipleof¨strictandexplicittermsofthecontracttoperform"andthebasicprinciplesofcontractlaw,andbeyondthetradi
5、tionaltheoryoftheinsurancecontractinterpretation;Second,inpractice,thereisdoubtwhethertheprincipleshouldbebasedonintermsofthecontractfortheapplicationofthepremise,and”reasonable¨standardisdifficulttograsp.Withthisregard,lookingattheviewsofscholarsdemes
6、ticandabroad,generally,onlyoneaspectoftheprincipleisinvolvedintheexploration,notyetfullycomprehensive,systemeticones.Therefore,itisnecessarybothintheoryandpractice,toexploretheprincipleinwaysofin—depth,comprehensive,systematic.Fromtheviewinoriginofther
7、easonableexpectationprinciple,itsemergencehasdeepsocialheritageandprofoundhistoricalbackground.Inordertocomformtothedevelopmentofsocialeconomyandcopewiththechangeofreality,itisproposedandthendevelopsininsurancecontract.Toanalyzetheprincipleofreasonable
8、expectationsfromtheIIIlegalpointofview,itisfoundthattheprincipleisforcetoemergetopursuittherealmeaningofcontract,whentheclient’Sfreedomofcontractandatonomyofwillarelimited,aswellasthetraditionalcontracttheoryisunabletoprotectthelegitima
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