Great risk insurances and disproportionate protection of insured persons in insurance contract Law

Authors

  • Rafael Corzo de la Colina Universidad Católica Santa María.
    Abogado por la Universidad Católica Santa María. Socio del Área de Seguros y Reaseguros de Miranda & Amado Abogados.
  • José Villafuerte Mendoza Universidad Católica Santa María.
    Abogado por la Universidad Católica de Santa María. Asociado del Área de Seguros y Reaseguros de Miranda & Amado.

DOI:

https://doi.org/10.18800/iusetveritas.201702.004

Keywords:

Insurance Contract Law, Great Risk Insurance, Protective Rol of State, Information Asymmetry, Providers and Consumers, Over-Regulation

Abstract

In this article, the authors tell us about great risk insurances and describe its regulation in foreign law. Then, they point out the protective role of State in the consumption relationship is to reduce information asymmetries, but there is no total disclosure obligation in the market. Therefore, information asymmetry ceases to be relevant when the user of the service has negotiating capacity and necessary resources to make an informed decision. They conclude it is pertinent to equate the application of the Peruvian Insurance Contract Law to international standards.

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Published

2017-09-13

How to Cite

Corzo de la Colina, R., & Villafuerte Mendoza, J. (2017). Great risk insurances and disproportionate protection of insured persons in insurance contract Law. IUS ET VERITAS, (54), 100–108. https://doi.org/10.18800/iusetveritas.201702.004

Issue

No. 54 (2017)

Section

Main Section

License

Copyright (c) 2017 IUS ET VERITAS

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.