Research On The Validity Of The Insurance Contract

The validity of the insurance contract is a very important problem on the legal system of insurance, and it could have influence on the interests of the parties of contract obviously. The validity of the insurance contract is a precondition for the insurer to assume the insured liability. But, there are many deficiencies in the existing laws in relation to the validity of the insurance contract. These deficiencies break the balance of the interests of the contract parties, and cause conflicts among laws. Scholars have debates on these problems, too.This paper is written in line with the clue of presenting the questions, analyzing the questions and solving the questions, and begins with the problems that existing in practice of the insurance contract. On the basis of studying the existing laws, the writer gives comments on the different opinions held by the scholars in relation to these problems. By comparing with the advantages of foreign laws, the author presents suggestions on solving the problems in regard to the practical situation of china. Many factors are relating to the validity of the insurance contract, the writer studies them mainly from two aspects: signing and change of the insurance contract.