我国保险法上的最大诚信原则.pdfVIP

内容摘要 诚实信用是民事活动的基础，作为一种特殊的民事活动，保险行业也需要其约束。 诚实信用原则作为保险行为、保险合同、保险案件处理的基本法则，在《保险法》中一 般称为最大诚信原则，其在平衡当事人的利益，处理保险纠纷案件中起着重要的作用。 最大诚信原则的内容主要是通过保险合同中双方当事人所应承担的诚信义务来体现，具 体包括投保人或被保险人履行如实告知义务，履行保证义务，履行维护保险标的物安全 的义务，履行危险程度增加的通知义务，履行尽力防止和减少损失义务；保险人的说明 与明确说明义务及弃权与禁止反言义务，赔偿或者给付保险金的义务。因此，在保险活 动中，一方违反了保险合同的诚信义务，应对另一方承担损害赔偿责任。 关键词：最大诚信；告知；保证；明确说明；弃权与禁止反言 1 Abstract The honesty and trusty would be the foundation of the civil actions and as a particular civil action the insurance business would be bound by the principle too. This principle as the basic law for the insured actions, the insurance contract and the relative cases would be called as the most honesty and trusty principle officially in Insurance Law, which is aimed to balance the benefit of parts, to handle the insurance disputes with the great affects. So the most honesty and trusty principle majorly embodied by the responsibility of the honesty and trusty of the both side parts in the insurance contract which is including the notice liability of the insured and the investor, the performance guarantee liability, the safeguard liability of the maintaining bids, the dangers increasing notice liability, the prevention and reduction of the lost liability; the insured’s explanation, abandonment and the forbidden opposite statement and the compensation or the payment liabilities. Therefore, one part breaks the duty of honesty and trusty, another one would take the liability of compensation in the insurance activities. Key words: most honesty and trusty; notice; guarantee; specific statement; abandonment and forbidden opposite statement