보험계약자 등의 고지의무에 관한 소고
A Study on Disclosure and Representation in Party Insuring
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The disclosure & representation implies that party insuring or insured has duty of disclosing and representing important fact to insurer and has duty of not disclosing and representing unreliable fact. As an insurance contract is a kind of aleatory contract, it requires good faith. The Insurance Act is giving party insuring a duty of disclosing and representing true information on risk. Regarding this, a risk situation cannot be grasped correctly only with insurer's investigation into risk,which is under the control of party insuring. Thus, only when obtaining cooperation of party insuring who is dominating its risk, the insurer can grasp correctly on the risk. Accordingly, the Insurance Act is giving the disclosure and representation to party insuring. As this disclosure & representation system is peculiar system that comes from characteristics of insurance contract, it is duty in light of the Insurance Act, which is given to party insuring in order to maintain social and economic system called insurance. However, the disclosure & representation sometimes has relation to problems such as unreliable disclosure and representation, false disclosure and representation, and fraud in party insuring, thereby having influence upon effectiveness of the insurance contract. Consequently, this study aims to examine wholly about the disclosure and representation and to suggest a legislative plan for problems. Also, the aim is to examine about the recognition(Revised Bill Article 655) of insurer's right of cancelling a contract in case of risk covered that has no causality with the disclosure & representation, which is prescribed in "partially revised bill in the commercial law" on the insurance edition of the commercial law.
Abstract
The disclosure & representation implies that party insuring or insured has duty of disclosing and representing important fact to insurer and has duty of not disclosing and representing unreliable fact. As an insurance contract is a kind of aleatory contract, it requires good faith. The Insurance Act is giving party insuring a duty of disclosing and representing true information on risk. Regarding this, a risk situation cannot be grasped correctly only with insurer's investigation into risk,which is under the control of party insuring. Thus, only when obtaining cooperation of party insuring who is dominating its risk, the insurer can grasp correctly on the risk. Accordingly, the Insurance Act is giving the disclosure and representation to party insuring. As this disclosure & representation system is peculiar system that comes from characteristics of insurance contract, it is duty in light of the Insurance Act, which is given to party insuring in order to maintain social and economic system called insurance. However, the disclosure & representation sometimes has relation to problems such as unreliable disclosure and representation, false disclosure and representation, and fraud in party insuring, thereby having influence upon effectiveness of the insurance contract. Consequently, this study aims to examine wholly about the disclosure and representation and to suggest a legislative plan for problems. Also, the aim is to examine about the recognition(Revised Bill Article 655) of insurer's right of cancelling a contract in case of risk covered that has no causality with the disclosure & representation, which is prescribed in "partially revised bill in the commercial law" on the insurance edition of the commercial law.
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