СПЕЦИЈАЛНИ СЛУЧАЈЕВИ У КОЈИМА ПОВЕЋАЊЕ ОСИГУРАНОГ РИЗИКА НЕ ОСЛОБАЂА ОСИГУРАВАЧА ОД ОБАВЕЗЕ

Jovanović Slobodan (Универзитет Привредна академија у Новом Саду, Правни факултет за привреду и правосуђе), nsbob@sezampro.rs

Risk aggravation after insurance policy conclusion represents special circumstances that may be essential for a risk assessment and insurer obligation. Therefore, insurers are recognized the right to propose a change of the policy terms or terminate in case the insured non-acceptance. In this paper, the author analyses special cases where aggravation of the risk being object of insurance does not serve as the ground which the insurer could use for termination, nor they release him from the duty to pay the claim. For the purpose of this aim, the author decided to compare the solutions of some EU Member States and the Serbian law. The outcome of this comparative study should show the desirable direction for the evolution of the Serbian insurance law de lege ferenda. To this end, the author examines situations where risk aggravation does not create the insured a duty to inform the insurer, does not release insurers from obligation towards the insured and where risk aggravation non-disclosure does not release the insurer to pay the claim

Кључне речи: aggravation, risk, termination, insurer obligation, negligence