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保险禁反言制度从起源于英美合同法到广泛应用于英美法系乃至大陆法系保险法并非偶然,有着深厚的法理基础。英美对价理论的衰落及自我修正,给禁反言提供了必要的土壤。而弃权和禁止反言制度中体现的正义价值和维护交易安全理念又和大陆法系最大诚信原则和公平原则相契合,为其在大陆法系国家发展提供了可能。本文仅从最大诚信原则和公平原则两个角度探讨保险禁反言的法理基础,并分析其在我们国家适用的可能性。
It is not by accident that insurance estoppel system has its own jurisprudence from its origins in the Anglo-American contract law to the insurance laws that are widely used in Anglo-American legal systems and even in continental law systems. The decline and self-revision of the theory of the Anglo-American vocabularies provided the necessary soil for banning estoppel. The concept of justice and the principle of safeguarding trade security embodied in the system of abstention and prohibition of aversion coincide with the principle of the principle of good faith and fairness in the civil law system, which provides the possibility for its development in the civil law countries. This article only discusses the legal basis of insurance banning from the perspective of the principle of maximum integrity and fairness and analyzes the possibility of its application in our country.