O agravamento do risco no contrato de seguro

• Autor(a) principal: Goulart, úrsula Santos de ávila
• Data de Publicação: 2010
• Tipo de documento: Dissertação
• Idioma: por
• Título da fonte: Biblioteca Digital de Teses e Dissertações da UERJ
• Texto Completo: http://www.bdtd.uerj.br/handle/1/9515
• topic: Risk aggravation; Insurance Contract; Good faith; Contratos; Seguros; Boa-fé (Direito); CNPQ::CIENCIAS SOCIAIS APLICADAS::DIREITO::DIREITO PRIVADO

The objective of this thesis is to list and explain the requisites adopted by both the doctrine and the jurisprudence for the application of the principle of risk aggravation (as prescribed in articles n. 768 and 769 of the Civil Code) to insurance contracts as well as its legal implications. Hence, the insurance contract was scrutinized in an attempt to discover the exact dimension that this business document has par excellence to the detriment of part of the doctrine still restricted to an isolated and individualistic reading of such a contract. Besides, it was assumed that good faith (be it seen from an objective or subjective perspective) is qualified in the insurance contract, for this type of contract is entirely grounded on it. The principle of good faith is a two-way relationship that gives rise to obligations for both parties, whose information and behaviour wil be essential to delimit the object of the insurance and to accomplish the social function of this sort of contractual instrument. Good faith will be incisively present and shaping the obligation based relation in all of the contract phases: before the conclusion of the contract, on the presentation of the contract proposal, during the business relation, in the necessary statements concerning eventual alterations in the risk (such as its aggravation), and, also, in the post-contractual phase, always taking into consideration the community nature of the insurance. Also examined were some polemical issues involving the use of certain clauses in the insurance contract, deemed contrary to good faith, such as the profile clause, whose validity has to be evaluated in concrete terms, and which bears close relation to the risk aggravation.