Abstract
An analysis of not only domestic but also comparative legislation indicates the continued presence of the former trend in regulation of insurance contract law, which reflects the legislator's tendencies to protect the insurer from the policyholder's fraudulent conduct. However, certain legal systems have begun to amend their regulations in order to keep up with contemporary tendencies, reflected in providing the necessary protection to the weaker party, i.e. consumer. Therefore, the author analyses the mechanisms of protection of this contracting party presented in the Principles of European Contract Law on Insurance, because it is a source of soft law, whose authors sought to sublimate as many well balanced provisions as possible in order to achieve a higher level of protection for the weaker contracting party. The Paper analyses only some of the provisions of the Principles that strive to ensure the expansion in the scope of the policyholders' rights, while reducing their duties, on one hand, and excluding too severe sanctions in case of their misconduct, on the other hand. Even though it is high unlikely that any steps will be taken towards PEICL enactment by EU regulations, at least in the near future, there remains possibility for their impact at the legislative and scientific level. This is also testified by this paper, which can contribute to the review of current domestic legal solutions.
Highlights
Time se otvorio put za nastanak Principa ugovornog prava osiguranja, koji su, između ostalog, imali i cilj da omoguće uspostavljanje većeg nivoa zaštite prava slabije ugovorne strane
Takvo rešenje se mora naći na udaru kritike, jer – kako se može očekivati od osiguranika da proceni koje su to tačno okolnosti koje predstavljaju povećanje rizika?
This is testified by this paper, which can contribute to the review of current domestic legal solutions
Summary
Tek od sedamdesetih godina prošlog veka ugovorno pravo osiguranja dobilo je izvesnu dinamiku u svom razvoju. Merodavno će uglavnom biti pravo države u kojoj korisnik usluge osiguranja ima boravište, što znači da će osiguravač morati svoje poslovanje da prilagođava pravu zemalja odakle dolaze njegovi ugovorači ako želi da učestvuje u međunarodnim transakcijama. Time se otvorio put za nastanak Principa ugovornog prava osiguranja, koji su, između ostalog, imali i cilj da omoguće uspostavljanje većeg nivoa zaštite prava slabije ugovorne strane. Iako je verovatno da će u nekim konkretnim slučajevima pojedino rešenje iz Principa biti manje povoljno po prava ugovarača osiguranja, korisnika ili osiguranika u odnosu na rešenje iz inače merodavnog nacionalnog zakonodavstva, sveukupno se može reći da je nivo zaštite propisan Principima viši u poređenja sa nacionalnim rešenjima Na one vrste osiguranja za koja nisu propisana rešenja u Principima imaju se primeniti obavezujuće norme nacionalnog prava Izbor je učinjen prvenstveno prema kriterijumu da je reč o područjima u kojima, po našem mišljenju, postoji potreba za izmenama u srpskom nacionalnom zakonodavstvu
Sign-in/Register to view highlights & summary Sign-in/Register to access full text options 
Talk to us
Join us for a 30 min session where you can share your feedback and ask us any queries you have
Schedule a callDisclaimer: All third-party content on this website/platform is and will remain the property of their respective owners and is provided on "as is" basis without any warranties, express or implied. Use of third-party content does not indicate any affiliation, sponsorship with or endorsement by them. Any references to third-party content is to identify the corresponding services and shall be considered fair use under The CopyrightLaw.
