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Insurance Contract Law Between Business Law And Consumer Protection
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Book Synopsis Insurance Contract Law Between Business Law and Consumer Protection by : Helmut Heiss
Download or read book Insurance Contract Law Between Business Law and Consumer Protection written by Helmut Heiss and published by Dike Publishers. This book was released on 2012 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The topic of "Insurance Contract Law between Commercial Law and Consumer Protection" was discussed within the section on commercial law at the XVIIIth International Congress on Comparative Law 2010, which was held in Washington DC. It dealt with the fact that insurance contracts are commercial transactions, as well as consumer contracts. This is confirmed by economic data showing that the premium income derived by insurers from consumer insurance is at least equal to the amount of income generated by selling commercial insurance. The way in which insurance is legally classified appears to depend very much on the legal tradition of the country in question. There does, however, seem to be a tendency in the legal field to follow the gain in economic weight of consumer insurance. Nevertheless, most countries do not yet have a formal consumer insurance law. Rather, policy holders are protected by mandatory insurance contract law, even if they take out insurance for entrepreneurial purposes. "Consumer law" predominantly enters into the area of insurance law in two ways: (1) general consumer contract law is very often also applicable to insurance contracts, and (2) consumer insurance disputes are increasingly being submitted to mechanisms of alternative dispute resolution, such as insurance ombudsmen schemes. Ombudsmen institutions especially appear to be a source of consumer insurance contract law because over time they create a distinct set of case law principles for consumer disputes. These aspects are covered in this book, comprising the General Report, as well as the National Reports, presented at the conference in Washington.
Book Synopsis Transparency in Insurance Contract Law by : Pierpaolo Marano
Download or read book Transparency in Insurance Contract Law written by Pierpaolo Marano and published by Springer Nature. This book was released on 2020-03-11 with total page 714 pages. Available in PDF, EPUB and Kindle. Book excerpt: This Volume of the AIDA Europe Research Series on Insurance Law and Regulation focuses on transparency as the guiding principle of modern insurance law. It consists of chapters written by leaders in the respective field, who address transparency in a range of civil and common law jurisdictions, along with overview chapters. Each chapter reviews the transparency principles applicable in the jurisdiction discussed. Whether expressly or impliedly, all jurisdictions recognize a duty on the part of the insured to make a fair presentation of the risk when submitting a proposal for cover to the insurers, although there is little consensus on the scope of that duty. Disputed matters in this regard include: whether it is satisfied by honest answers to express questions, or whether there is a spontaneous duty of disclosure; whether facts relating to the insured’s character, as opposed to the nature of the risk itself, are to be presented to the insurers; the role of insurance intermediaries in the placement process; and the remedy for breach of duty. Transparency is, however, a much wider concept. Potential policyholders are in principle entitled to be made aware of the key terms of coverage and to be warned of hidden traps (such as conditions precedent, average clauses and excess provisions), but there are a range of different approaches. Some jurisdictions have adopted a “soft law” approach, using codes of practice for pre-contract disclosure, while other jurisdictions employ the rather nebulous duty of (utmost) good faith. Leaving aside placement, transparency is also demanded after the policy has been incepted. The insured is required to be transparent during the claims process. There is less consistency in national legislation regarding the implementation of transparency by insurers in the context of handling claims.
Book Synopsis Insurance Law Between Commercial Law and Consumer Law by : Qihao He
Download or read book Insurance Law Between Commercial Law and Consumer Law written by Qihao He and published by . This book was released on 2020 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt: The theoretical argument behind the “pro-insured” or “pro-insurer” debate contains elements of contract law, business law, and consumer law. This article reexamins the insurance misrepresentation rule under the RLLI, ands compares it to insurance law in China. This comparison demonstrates the struggle between preference for insured or insurer. We have reconsidered the subtopics of misrepresentation, including innocent misrepresentation, materiality, reliance, remedy, contribute-to-the-loss approach and others, from not only the perspective on either party of insurance contract, but also the overall efficiency of insurance market and society. For the structure and remedy of insurance misrepresentation, we recommend a reasonable rule, which allows rescission for any kinds of misrepresentation, but this is not equivalent to a rule that insurer can rescind contract for any mistake of policyholder. Rather than presetting remedies for misrepresentations, this rule asks a court to decide the proper remedy according to any important circumstances of the case, including severity of misrepresentation, accountability of policyholder, factual causation and so on.
Book Synopsis A Businessperson's Guide to Federal Warranty Law by :
Download or read book A Businessperson's Guide to Federal Warranty Law written by and published by . This book was released on 1987 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Information Disclosure by : Julie-Anne Tarr
Download or read book Information Disclosure written by Julie-Anne Tarr and published by iUniverse. This book was released on 2001 with total page 330 pages. Available in PDF, EPUB and Kindle. Book excerpt: An insurance contract is one of the most significant documents an average consumer signs in the course of his or her adult life. It defines the scope and measure of protection available to the policy holder should the risk eventuate. Insurers similarly view the information supplied during contract negotiations as critical. As it provides a basis for assessing the risk inherent in issuing the policy, failure to disclose information fully and accurately can skew calculation of the risk level inherent in the deal and of the appropriate premium payable. For this reason, insurance contracts have traditionally been treated as a special category of business dealing. Unlike standard contracts based on caveat emptor, – let buyers beware – insurance contracts bind both insurers and consumers to a higher duty of honesty and good faith in their dealings with each other. Failure to fully disclose information that may affect an insurer’s calculation of risk in taking on the contract can potentially, therefore, result in the valid rejection of a policy holder’s claim.Given the potentially devastating consequences claim denial carries for policy holders, this book outlines the current legal regulatory framework governing this area and assesses its capacity to provide a just and efficient set of standards for the exchange of this information in the pre-contracting stage.
Download or read book Insurance Contract Law written by and published by . This book was released on 2014 with total page 394 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Advanced Introduction to Insurance Law by : Robert H. Jerry, II
Download or read book Advanced Introduction to Insurance Law written by Robert H. Jerry, II and published by Edward Elgar Publishing. This book was released on 2023-03-02 with total page 177 pages. Available in PDF, EPUB and Kindle. Book excerpt: Providing a comprehensive overview of the body of law that regulates the insurance business, this Advanced Introduction evaluates the governing principles, policies, values, and purposes of insurance legislation and related judicial doctrines. It examines the ways in which the industry’s origins help us understand the present, and how insurance connects to major public policy issues that will shape the world for future generations.
Book Synopsis Insurance Contract Law by : Great Britain. Law Commission
Download or read book Insurance Contract Law written by Great Britain. Law Commission and published by The Stationery Office. This book was released on 2012 with total page 258 pages. Available in PDF, EPUB and Kindle. Book excerpt: This joint discussion paper covers the following issues: the business insured's duty of disclosure, and the law of warranties. Under current law, a business policyholder has a duty to disclose every material circumstance it knows about the risk it wants to insure. Failure to do so entitles the insurer to avoid the contract, which means the insurer may treat it as if it did not exist and refuse all claims. The duty is unclear and sometimes poorly understood, while the consequence of breach is too harsh. The proposals aim to clarify how policyholders are expected to comply with the duty when presenting a risk to insurers and to encourage insurers to assist them in that task. Fairer remedies for breach where the policyholder has not been dishonest., are proposed. An insurance warranty is an important term which, unless exactly complied with by the policyholder, results in the automatic discharge of the insurer's liability for loss. It makes no difference if the breach is trivial, not material to the risk or if the policyholder remedies the breach prior to loss being incurred.The Commissions propose that breach of a warranty should suspend the insurer's liability for the duration of the breach; remedy of the breach restores liability. Where a term is designed to reduce a particular type of risk, liability should only be suspended in relation to that risk. This would be mandatory for consumer insurance but subject to freedom to contract for business insurance.
Book Synopsis The Reform of Insurance Contract Law for the Protection of the Consumer by : Martha Alicia Castenada Ballard
Download or read book The Reform of Insurance Contract Law for the Protection of the Consumer written by Martha Alicia Castenada Ballard and published by . This book was released on 2003 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Business and Commerce Code by : Texas
Download or read book Business and Commerce Code written by Texas and published by . This book was released on 1968 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis EU Consumer Law and Policy by : Stephen Weatherill
Download or read book EU Consumer Law and Policy written by Stephen Weatherill and published by Edward Elgar Publishing. This book was released on 2013-01-01 with total page 351 pages. Available in PDF, EPUB and Kindle. Book excerpt: Acclaim for the first edition: As a whole, Stephen Weatherill crafts a detailed and wonderfully rich consideration of this dynamic issue and is a resource which practitioners in this area could ill do without. Weatherills thorough and thoughtful insights with regard to these issues provide an important basis for understanding the complexities and vagaries of market integration in the EU Community. Peter G. Fitzgerald, Canadian Law Library Review Steve Weatherill provides an excellent thought-provoking account of EU consumer law and policy. It will be required reading for all those interested in this important subject. Paul Craig, St Johns College, Oxford, UK This is a characteristically excellent book by Steve Weatherill, combining incisive legal analysis of an important policy field with an authoritative and up-to-date account of the underlying legal and constitutional framework. Grainne de Burca, European University Institute, Italy This new edition of Stephen Weatherills acclaimed book provides a comprehensive introduction to all facets of the EUs involvement in consumer law and policy. Consumers are expected to benefit from the EUs project of economic integration, enjoying wider choice and improved quality, and yet they need protection from the dangers that flow from malfunctioning and unfair markets. The EUs consumer law and policy is an attempt to have the best of both worlds a liberalised yet properly regulated trading space for Europe This highly esteemed book, now in a brand new edition, provides a comprehensive and up-to-date introduction to the subject, explaining the evolution of consumer law and policy in the EU in terms of both legislative and judicial activity. The book also situates EU consumer law and policy within its broader social, political and economic context, providing a window to a range of wider issues (and tensions) relating to Union regulatory strategies and their effect on the member states. It concludes with a newly written examination of the relationship between EU and national initiatives of market regulation symbiosis or disruption? A readable yet critically sound textbook, this fully updated edition will be indispensable for both postgraduate and undergraduate students of EU law. It will also appeal strongly to all academics, regulators and practising lawyers with an interest in EU trade law or indeed European law more generally.
Book Synopsis Consumer Protection in Insurance Law and Practice by : Lulu Dong
Download or read book Consumer Protection in Insurance Law and Practice written by Lulu Dong and published by . This book was released on 2010 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Consumer Law written by Jacqueline Martin and published by Routledge. This book was released on 2005 with total page 146 pages. Available in PDF, EPUB and Kindle. Book excerpt: Key Facts has been specifically written for students studying Law. It is the essential revision tool for a broad range of law courses from A Level to degree level. Consumer Law is also relevant to courses for Trading Standards Officers and many Business Studies courses. The series is written and edited by an expert team of authors whose experience means they know exactly what is required in a revision aid. They include examiners, barristers and lecturers who have brought their expertise and knowledge to the series to make it user-friendly and accessible. Chapters include: The character of consumer contracts / Consumer protection in contract law / Contracts for sale of goods / Unsolicited goods / Distance selling / Contracts to provide services / Protection under the law of tort / Exemption clauses & unfair terms in consumer contracts / The Consumer Protection Act 1987 / Criminal Law as a means of consumer protection / Consumer finance / Trade Descriptions Act 1968 / Misleading proce indications / Regulating advertising / Insurance / Holidays / Food.
Book Synopsis International Insurance Contract Law:Proceedings of a Comparative Law Conference Held at the European University Institute, Florence, May 23-24, 1991 by : European University Institute
Download or read book International Insurance Contract Law:Proceedings of a Comparative Law Conference Held at the European University Institute, Florence, May 23-24, 1991 written by European University Institute and published by Springer. This book was released on 1993-07-07 with total page 286 pages. Available in PDF, EPUB and Kindle. Book excerpt: This text comprises issues discussed at a colloquium on international insurance law, held on 23-24 May 1991 in Florence (Italy) at the European University Institute. One of its central themes concerns the tensions between the generally accepted theoretical tenets of private international law and the perspective of the E.C. legal order. Other issues discussed include: The EC Treaty International Insurance Contract Laws within the EC Party Autonomy in International Insurance Contract Law Article 59 EEC-Treaty and its Implications for Conflicts Law in the field of Insurance Contracts Implementation of the Second Directive on Choice of Law Mandatory Rules Governing Insurance Contracts and Private International Law The Law Applicable to Compulsory Insurance and Life Assurance The Evolution of Community Law on Services, with Special Reference to Financial Services and Consumer Protection Observation from a Third Country on the Development of International Insurance Contract Law within the EC Synopsis of the Colloquy and Prospects for International Insurance Contract Legislation within the EC Discussion Reports
Book Synopsis Policyholder's Reasonable Expectations by : Yong Qiang Han
Download or read book Policyholder's Reasonable Expectations written by Yong Qiang Han and published by Bloomsbury Publishing. This book was released on 2016-11-03 with total page 273 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the past two decades, protecting contractual parties' reasonable expectations has incrementally gained judicial recognition in English contract law. In contrast, however, the similar 'doctrine' of 'policyholder's reasonable expectations' has been largely rejected in English insurance law. This is injurious, firstly, to both the consumer and business policyholder's reasonable expectations of coverage of particular risks, and, secondly, to consumer policyholder's reasonable expectations of bonuses in with-profits life insurance. To remedy these problems, this book argues for an incremental but definite acceptance of the conception of policyholder's reasonable expectations in English insurance law. It firstly discusses the homogeneity between insurance law and contract law, as well as the role of (reasonable) expectations and their relevance to the emerging duty of good faith in contract law. Secondly, following a review and re-characterisation of the American insurance law 'doctrine' of reasonable expectations, the book addresses the conventional English objections to the reasonable expectations approach in insurance law. In passing, it also rethinks the approach to the protection of policyholder's reasonable expectations of bonuses in with-profits life insurance through a revisit to the (in)famous case Equitable Life Assurance Society v Hyman [2000] UKHL 39, particularly to its relevant business and regulatory background.
Book Synopsis The Future of the Law of Contract by : Michael Furmston
Download or read book The Future of the Law of Contract written by Michael Furmston and published by Taylor & Francis. This book was released on 2020-05-10 with total page 285 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Future of the Law of Contract brings together an impressive collection of essays on contract law. Taking a comparative approach, the aim of the book is to address how the law of contract will develop over the next 25 years, as well as considering the ways in which changes to the way that contracts are made will affect the law. Topics include good faith; objectivity; exclusion clauses; economic duress; variation of contract; contract and privacy law in a digital environment; technological change; Choice of Court Agreements; and Islamic finance contracts. The chapters are written by leading academics from England, Australia, Canada, the United States, Singapore and Malaysia. As such, this collection will be of global interest and importance to professionals, academics and students of contract law.
Book Synopsis Materials on Commercial Law - Volume II by : Johan Vannerom
Download or read book Materials on Commercial Law - Volume II written by Johan Vannerom and published by . This book was released on 2022-10-06 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: An accident happened in the North Sea and I need a complete overview of the rules regarding oil pollution at sea. I need to draft a legal advice for a financial institution on paperless trade finance. I wish to have the legal rules applicable to copyrights and trademarks at hand during my client's meeting. As a student, I wish to have one compendium in which the most important materials and legal provisions on (International) Commercial Law are gathered. For these and many more examples, one can rely on the Materials on Commercial Law. Indeed, this reader bundles in three volumes the most important materials - even those published by soft-law organisations and not always easy to access by the public - in the eclectic field of commercial law. The reader is user-friendly via its index at the beginning of each Volume. The legislative texts are categorized per legal domain. In short, the reader is indispensable for every student, practitioner, magistrate and in-house counsel active in International Business & Trade.
