Działalność państwa na rzecz ochrony konsumenta usługi ubezpieczeniowej

• Autorzy: Agnieszka Kłosińska

Warianty tytułu

The action of the State in favour of protection of Insurance service's consumers

• Języki publikacji: PL

Abstrakty

W Polsce działa kilka instytucji ochrony ubezpieczeniowej realizowanej przez państwo, których zadania oraz sposób finansowania określa głównie ustawa ubezpieczeniowa. Autorka artykułu omawia tą tematykę.(abstrakt oryginalny)

EN

Protection of Insurance service's consumers is one of the fundamental premisses on which the single Insurance market in the European Union is built. Also in Polish legał system a number of formal-legal, economic-financial and administrative provisions were introduced, both in civil law and institutional law protecting Insurance service's consumers. Apart from an education of potencial clients of Insurance companies, in order to strengthen the Client position on Insurance market, in the market economy the very important role plays the pro-consumer policy of the State. As a rule, the Client is on the weaker side of the markefs structure and it is why he/she needs a grater protection from the State. It is because of economical, organizational and Information inequality both sides in relations: a company and a consumer. The weaker position of the Client within an Insurance legał contract is caused by a complicated character of Insurance contract, a lack of proper preparation for coming into privity, and a specific kind of activity of Insurance because it is an institution of public confidence. In the practice, a consumer is a subject to dictation of the stronger side, which is an insurer. This dictation manifests with abusement of contractual freedom of insurer, determination and imposing on the consumer own conditions of Insurance, freedom of acceptance or rejection of application for Insurance, as well as reducing and refusal of Insurance claims.(original abstract)

Słowa kluczowe

PL

Ubezpieczenia; Ochrona konsumenta; Interwencjonizm państwa

EN

Insurances; Consumer protection; Government intervention

• Czasopismo: Wiadomości Ubezpieczeniowe
• Rocznik: 2001
• Numer: nr 7-8
• Strony: 23--30

Twórcy

autor

Agnieszka Kłosińska

Bibliografia

• Spokojna głowa konsumenta, Dodatek PUNU, Gazeta Ubezpieczeniowa 2000 r., nr 25
• Art. 82a ustawy ubezpieczeniowej
• www.black..nS<.gov.pl/lnfofmadnfonTiacJern