机动车强制责任保险中投保人危险增加通知义务之探讨——以机动车使用性质之变更为例

机动车在使用的过程中风险会发生变化，如改变其使用性质等。当机动车面临的风险增加时，投保人是否有通知保险人的义务，新实施的《机动车交通事故责任强制保险条例》无明文规定。结合我国《保险法》的相关规定，可以认为，投保人仍有危险增加的通知义务；未履行该通知义务的，保险人并不免除赔付责任；保险人在向受害人赔付后有权对投保人进行追偿；在投保人履行了通知义务后，保险人不得解除合同。

On the applicant's obligation of noticing risk increasing in compulsory automobile liability insurance

The motor vehicles' risk will be changed in the process of use,such as changing their use nature.When faced with increased risk of motor vehicle,whether the applicant has the obligation to notify the insurer is not expressed in Motor Vehicle Accident Liability Compulsory Insurance Ordinance.According to the relevant provisions in Insurance Law,it can be considered that the applicant still has the notify obligation when the risk increases.Failure to fulfill the obligation,the insurer is not exempted the paym...