같은 회사에의 이륜차보험가입과 고지의무위반여부

The solution of problems is highlighted when the insurance contractor has violated the obligation to notify the insurer and the insurer can confirm the information. In the event of breach of obligation notices, the insurer can not claim a breach of obligation if the obligation is not known because of gross negligence of the insurer. On the other hand, there is also a problem that the insurer can not inspect the insurance related information under the personal information protection law. It requires a reasonable solution between the two. The insurer has access to other insurance data from the insurer and also from the Insurance Development Institute. It is also necessary to some extent that the insurer verifies that the policyholder has his or her own other insured facts. It is also important to check whether the necessity of accessing the insurance information system of the insurance development institute and confirming the necessary information is confirmed. It is difficult for the insurer to recognize that the insurer has changed from the civil servant to the freight car in the occupation of the policyholder if the same insurer has the cargo automobile insurance. In this case, it is possible to recognize the violation of the insurance contractor's notice of job change notification obligation. However, if the same insurer is carrying two-wheeled automobile insurance, if it replies that it does not drive a two-wheeled automobile while driving another insurer, it can be seen that the driver of the two-wheeled automobile is driven by inquiring the company's network. Therefore, in this case, the insurer could know the insurance contractor's motorcycle driving or at least gross negligence. In Germany, if the insurer actively recognizes that it is subject to the obligation to notify the obligation of obligation, it is stipulated in Article 2, Paragraph 5 of Article 19 of the German Insurance Contract Law If the insurance contractor is aware of the situation of the policy contractor, the insurer is not considered. We acknowledge this in the context of business relations. However, the insurer is not aware of all the data. Under Article 651 of the Commercial Act, if the insurer knew or did not know the breach of obligation at the time of signing the insurance contract, the right of termination of the insurer is limited. In the case of an insurer, if it is already known that a person has already been informed of the violation of the obligation, or if he has been aware of it for a short period of time, it may be regarded as adjusting the fair understanding between the parties by restricting the termination of the contract. And that the breach of the notice obligation by the policyholder is not considered to have interfered with the risk selection of the insurance company. Therefore, considering this point, if the insurer has joined the same insurance company while joining the long-term insurance, if the insurance contractor violates the obligation to notify the driver of the motorcycle, he may admit the malice or gross negligence of the insurer. In this case, it should be considered that the violation of the obligation can not be a problem.