ZAŠTITA PRAVA SLABIJE UGOVORNE STRANE U SKLADU SA PRINCIPIMA EVROPSKOG UGOVORNOG PRAVA OSIGURANJA

  • Mirjana B. Glintić, PhD naučni saradnik Institut za uporedno pravo, Beograd, Srbija
Ključne reči: Principi evropskog ugovornog prava osiguranja, opcioni instrument, slabija ugovorna strana, obaveza informisanja, obaveza prijava okolnosti, povećanje rizika

Apstrakt

Analiza domaćeg i uporednog zakonodavstva ukazuje da je i dalje prisutan nekadašnji trend regulisanja ugovornog prava osiguranja, koji se ogleda u nastojanju zakonodavaca da obezbede osiguravača od prevarnog postupanja ugovarača osiguranja. Ipak, koristeći uporednopravni i istorijski metod, ustanovili smo da nacionalni zakonodavci sve više pristupaju izmeni pravnih propisa u cilju održavanja koraka sa savremenim tendencijama, koje se ogledaju u pružanju neophodne zaštite slabijoj ugovornoj strani, tj. uslovno govoreći, potrošaču. Iz tog razloga, predmet istraživanja su određeni mehanizmi zaštite prava slabije ugovorne strane u Principima evropskog ugovornog prava osiguranja, budući da je reč o izvoru mekog prava, čiji autori su nastojali da sublimiraju što je moguće veći broj pozitivnih rešenja i uzora za postizanje većeg nivoa zaštite slabije ugovorne strane.

U radu su predstavljena neka od rešenja iz Principa koja, po mišljenju autora, obezbeđuju povećanje prava slabije ugovorne strane prema osiguravaču, uz smanjenje njihovih obaveza i isključivanje isuviše strogih sankcija u slučaju pogrešnog ponašanja. Iako verovatno Principi neće ući u proces ozakonjenja na nivou Evropske unije, makar u skorijoj budućnosti, i dalje ostaje mogućnost za njihov uticaj na nacionalnom zakonodavnom i naučnom nivou. O tome svedoči i ovaj rad, čiji rezultati mogu doprineti preispitivanju aktuelnih domaćih zakonskih rešenja, i to tako što se mogu iskoristiti kao model za izmenu i unapređenje nacionalnog zakonodavstva.

Reference

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Sudska praksa

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2020-11-27
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Originalni naučni rad