Insurer 's Disclaimer

Article 17 of the insurance law in our country has two meanings, one is about the format terms:explain to policy-holder. The second is about disclaimer:policy-holder attention, to make a specified. The court of appeal to the court in the case of the insurer did not fulfill the obligations and the prohibition of the law to fulfill the obligations of the insured, the exemption clause of the insurance company does not come into force of the case are. Therefore, this article from the judicial practice of all kinds of cases, combined with the problems in the judicial practice, the analysis of the problem of the liability of the insurer to explain the obligations, and put forward personal opinions, promote the development of the insurance system and improve, and give the trial practice of thinking..Based on the thinking of the above problems and the experience of judicial practice, the author tries to put forward some suggestions to improve the judicial practice through a large number of data and the case study. This paper is divided into introduction, body and conclusion. The main body of this paper is to clarify the basic theory of the form clause, and then lead to the liability of the insurer’s liability, and then put forward the problems in the practice.