Publication: 6102 sayılı ticaret kanunu’na göre hayat sigortalarında sigorta ettirenin sözleşmenin yapılması anındaki beyan yükümlülüğünü ihlal etmesinin müeyyidesi
Abstract
6762 sayılı TTK’da, hayat sigortalarında, sigorta ettirenin sigorta sözleşmesinin kurulması anındaki beyan yükümlülüğünü düzenleyen bir hüküm bulunmamaktaydı. Bu nedenle kara sigortaları bakımından konuyu düzenleyen 6762 sayılı TTK’nun 1290. maddesi kıyas yoluyla hayat sigortalarına da uygulanmaktaydı. 6102 sayılı TTK’da ise hayat sigortalarının özellikleri de dikkate alınarak 1498. maddede özel bir düzenlemeye yer verilmiştir. Bu çalışmanın konusu hayat sigortalarında sigorta ettirenin beyan etmesi gereken riziko faktörlerini, beyan yükümlülüğünün şeklini ve süresini, beyanla yükümlü olan kişileri, beyan yükümlülüğünün ihlali ve müeyyidesini, 6762 sayılı TTK’daki uygulama ile kıyaslayarak açıklamaktır.
There was no regulation in the TCC No. 6762 regarding insured’s duty of disclosure at the time of making (or remaking) the contract of insurance. On this account, the Article 1290 of TCC No. 6762 which regulates the subject in term of land insurance, applied to the life insurances analogically. In order to take account life insurance’s characteristics, a special regulation has adopted in the Article 1498 of TCC No. 6102. The subject of this study is to define, the risk factors which insured has to disclosure to the insurer, the method and the time of duty of disclosure, the persons who obligated to disclosure, the breach and the sanction of non-disclosure comparing with the on the time of TCC No. 6762’s practice.
There was no regulation in the TCC No. 6762 regarding insured’s duty of disclosure at the time of making (or remaking) the contract of insurance. On this account, the Article 1290 of TCC No. 6762 which regulates the subject in term of land insurance, applied to the life insurances analogically. In order to take account life insurance’s characteristics, a special regulation has adopted in the Article 1498 of TCC No. 6102. The subject of this study is to define, the risk factors which insured has to disclosure to the insurer, the method and the time of duty of disclosure, the persons who obligated to disclosure, the breach and the sanction of non-disclosure comparing with the on the time of TCC No. 6762’s practice.