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2009年2月28日,《中华人民共和国保险法》由中华人民共和国第11届全国人民代表大会常务委员会第7次会议修订通过,并自2009年10月1日起施行(以下简称“新《保险法》”)。从立法层面而言,新《保险法》有很大的突破与发展,对很多条款的内容进行了修改和增删,从根本制度上确立了一系列原则与制度,使我国保险合同法律制度趋于完善;从司法层面而言,如何在司法中切实实现保险合同当事人平等保护原则问题,交强险的性质、合同效力、赔付前提及方式问题,保险人说明义务的界定及履行方式的判断等问题,被保险人危险增加通知义务的适用范围及判断标准等问题,一直是实践中产生纠纷及观点分歧的主要问题。本期“特别策划”特约保险法专家及最高人民法院从事有关保险法司法解释制定工作的法官就相关问题撰文释疑,以飨读者。
On February 28, 2009, the “Insurance Law of the People’s Republic of China” was revised and adopted at the 7th meeting of the Standing Committee of the 11th National People’s Congress of the People’s Republic of China and implemented as of October 1, 2009 (hereinafter referred to as the “new” Insurance Act “”). From a legislative perspective, the new “Insurance Law” has made great breakthroughs and developments. Many articles have been amended, added and deleted, and a series of principles and systems have been established to make our legal system of insurance contracts more perfect. ; Judicial aspects, how to effectively implement the principle of equal protection of parties to insurance contracts, the nature of the insurance, the effectiveness of the contract, the premise and method of payment, the definition of the insurer to explain the obligations and ways to determine the implementation of such issues are insured The dangers of increasing the scope of application of notification obligations and criteria for judgments have always been the main issues that have led to disputes and disagreements in practice. This issue “special planning ” special insurance law experts and the Supreme People’s Court engaged in the judicial interpretation of the Insurance Law on the work of the judges on the issue of writing articles to readers.