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http://hdl.handle.net/20.500.12128/21297
Tytuł: | Obowiązek informacyjny oraz obowiązek terminowego powiadomienia ubezpieczyciela o wypadku w umowie ubezpieczenia dóbr kultury |
Tytuł równoległy: | Disclosure obligation and the duty to timely notify the insurer of an accident under insurance contracts relating to cultural objects |
Autor: | Gredka-Ligarska, Iwona |
Słowa kluczowe: | insurance contract relating to cultural objects; insurance risk; disclosure obligation; risk declaration; risk notification; duty to timely notify an accident; indemnifiable accident; insurance benefit; umowa ubezpieczenia dóbr kultury; ryzyko ubezpieczeniowe; obowiązek informacyjny deklaracja ryzyka; notyfikacja ryzyka; obowiązek terminowego powiadomienia o wypadku; wypadek ubezpieczeniowy; świadczenie ubezpieczeniowe |
Data wydania: | 2020 |
Źródło: | "Roczniki Administracji i Prawa" (2020), z. 2, s. 303-318 |
Abstrakt: | This study is devoted to the disclosure obligation and the duty to timely notify the
insurer of an accident under insurance contracts relating to cultural objects. The examined problem
is presented from theoretical and practical perspective. The analysis is based on the example
of insurance contracts relating to exhibits belonging to museums and lent for temporary
exhibitions, both home and abroad. The choice of that type of contract was not random because
in museum practice such agreements are often concluded and they are vital for museums’ financial
interests. It is also explained that an insurance contract covering lent exhibits most frequently
takes the form of an insurance contract for account of another entity. The legal construction of
such contracts is outlined, and it is explained how to avoid complications which the construction
implies in practice. The article discusses legal aspects of risk declaration, notification of changes
to the risk and the duty to timely notify the insurer of an accident. It also includes practical
recommendations on optimal implementation of such duties by museums, i.e. in a manner protecting
the museums’ financial interest. In summary, the author postulates to amend Art. 818
§ 3 of the Civil Code, which, in its current version, uses the term, “accordingly” in reference to
the reduction of benefit. The term is imprecise and gives rise to interpretative problems as well as
serious complications in application of the provision of Art. 818 § 3 of the Civil Code in practice. |
URI: | http://hdl.handle.net/20.500.12128/21297 |
DOI: | 10.5604/01.3001.0014.1798 |
ISSN: | 1644-9126 |
Pojawia się w kolekcji: | Artykuły (WPiA)
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