南华大学学报（社会科学版）
南華大學學報（社會科學版）
남화대학학보（사회과학판）
Journal of University of South China (Social Science Edition)
2015年
4期
115-119
,共5页
危险增加%适当履行%解除合同%因果关系%比例赔偿
危險增加%適噹履行%解除閤同%因果關繫%比例賠償
위험증가%괄당리행%해제합동%인과관계%비례배상
increased risk%appropriate performance%dissolution of contract%the causality%prorated compensation prin-ciple
探讨危险增加通知义务之关键在于厘清其法律效果. 义务人适当履行时,保险人享有增加保费维持合同或直接解除合同之权利,但两者之间应存在行使顺位之区分. 不适当履行时,应区分保险事故发生与否以及危险增加之可保性与可归责性,适当引入非因果关系、因果关系、比例赔偿等理论予以法效重构,以合理引导义务人对于危险增加之处理模式.
探討危險增加通知義務之關鍵在于釐清其法律效果. 義務人適噹履行時,保險人享有增加保費維持閤同或直接解除閤同之權利,但兩者之間應存在行使順位之區分. 不適噹履行時,應區分保險事故髮生與否以及危險增加之可保性與可歸責性,適噹引入非因果關繫、因果關繫、比例賠償等理論予以法效重構,以閤理引導義務人對于危險增加之處理模式.
탐토위험증가통지의무지관건재우전청기법률효과. 의무인괄당리행시,보험인향유증가보비유지합동혹직접해제합동지권리,단량자지간응존재행사순위지구분. 불괄당리행시,응구분보험사고발생여부이급위험증가지가보성여가귀책성,괄당인입비인과관계、인과관계、비례배상등이론여이법효중구,이합리인도의무인대우위험증가지처리모식.
The key to research on the notification obligation of risk increasing is to clarify its legal effect. If the obligor performs appropriately, the insurer has the right to increase premiums to maintain the contract or terminate the contract directly, but it should be of sequence. On the contrary, its legal effect has to be refactored by distinguishing whether there is an insurance accident, and whether the increased risk is insurable and should be blamed, and introducing the theory of causality and prorated compensation principle, so as to guide obligors to deal with the notification obligation rationally.
