Aggravation of Risk and Precautionary Measures in Non-Life Insurance: A Tricky Scope for the Insurer?

• Autorzy: Luik Olavi-Jüri , Ratnik Rainer , Braun Magnus
• Języki publikacji: EN

Abstrakty

EN

Aggravation of risk and failure to take precautionary measures are focal issues in non-life insurance in terms of potential partial or full release of the insurer from the duty to perform. Not infrequently, it is difficult to draw a line between the aggravation of risk on the one hand, and non-compliance with precautionary measures on the other, since a particular action by a policyholder may present both situations. At the same time, the legal remedies available to the insurer regarding these two situations are different in scope. The aggravation of risk and non-compliance with precautionary measures are precisely the bases on which insurers actually reduce indemnity or refuse to compensate for damages. This article explores the differences between insurance laws in the Baltic states-specifically, the Estonian Law of Obligations Act, the Latvian Insurance Contract Law and Lithuanian rules contained in the Civil Code and Insurance Law. The article explores the differences between the Baltic states’ insurance laws and the Principles of European Insurance Contract Law (PEICL) with regard to a policyholder’s duty in relation to aggravation of risk and precautionary measures, as the rights and obligations of policyholders do change where the optional instrument is applied. The article also includes comparisons to German, Finnish and Russian insurance law.

Słowa kluczowe

EN

Aggravation of risk; precautionary measures; Baltic states insurance law; Principles of European Insurance Contract Law (PEICL)

• Wydawca: Sciendo
• Czasopismo: Baltic Journal of Law & Politics
• Rocznik: 2015
• Tom: 8
• Numer: 2
• Strony: 1-45

Daty

wydano

2015-12-01

otrzymano

2015-07-10

zaakceptowano

2015-11-05

online

2016-02-29

Twórcy

autor

Luik Olavi-Jüri

• University of Tartu, Faculty of Law (Estonia), Attorney at Law, Firm LEXTAL (Estonia),

autor

Ratnik Rainer

• Attorney at Law, Firm LEXTAL (Estonia),

autor

Braun Magnus

• Attorney at Law, Firm LEXTAL (Estonia),

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Identyfikatory

DOI

10.1515/bjlp-2015-0017