Uberrimae fidei principo turinys draudimo sutartiniuose teisiniuose santykiuose.

Abstract

This article deals with the main issues related to discloser of essential information in insurance contracts. Uberrimae fidei (of utmost good faith) doctrine applies substantially to all kinds and branches of insurance contracts, including reinsurance contracts as well. This doctrine requires a higher standard of good faith between parties of insurance contract. Insurance contracts are different from other kinds of contracts, as the parties are not on equal footing and could involve other party into the contract in ignorance of material facts. The parties are bound to disclose information which is material before the contract is concluded. The duty of discloser requires that statements made by policyholder would be of facts and not opinion. The insurer could not rest on opinion of insured, as misstated fact, in case if opinion is different from real situation (legal facts).