摘要
合理期待原则在美国的适用虽然遭到了理论界和实务界的褒贬不一,但其作为一项合同解释原则,的确促进了美国保险理论的完善和保险业的发展。我国保险业起步较晚,但发展迅速,在司法实践中引入合理期待原则有其必要性,亦有其可行性。为了平衡保险消费者在保险交易中的弱势地位,保护保险消费者的合理期待,在对该原则做出必要限制的基础上,应对合理期待原则的适时引入有一个"合理的期待"。
In the United States, the doctrine of reasonable expectation has a mixed debate in the theoretical circle and the practi- cal circle. But as a principle in interpreting the insurance contract, it does promote the perfection of the insurance theory and the development of the insurance industry in the United States of America. In China, insurance industry started late but develops rapidly, it＇s necessary and feasible to introduce the principle into the judicial practice. In order to balance the disadvantaged sta- tus of the insurance consumers and protect the insurance consumers＇ rational expectation, there should be a ＂reasonable expecta- tion＂ to the timely introduction of the principle on the basis of making the necessary restrictions.
出处
《重庆交通大学学报（社会科学版）》
2012年第3期35-38,共4页
Journal of Chongqing Jiaotong University:Social Sciences Edition
关键词
合理期待原则
保险消费者
附合合同
保险法
保险合同
doctrine of reasonable expectation
insurance consumers
adhesion contract
insurance law
insurance contract
