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我国《保险法》第十六条规定:“投保人故意或者因重大过失未履行前款规定的如实告知义务,足以影响保险人决定是否同意承保或者提高保险费率的,保险人有权解除合同。”那么此规定是否适用于交强险?是否只要是交强险投保人未履行如实告知义务,保险人就可以解除合同?为此,我们特意选取了其中有代表性的案例,就相关问题进行初步分析。【案例】2010年4月,付某购买了一辆低速货车,并在A保险公司投保了交强
Article 16 of China’s Insurance Law stipulates: “If the insured fails to perform the obligation of truthful disclosure as stated in the preceding paragraph due to its intentional or gross negligence, it will affect the insurer’s decision whether to agree to underwriting or increase the premium rate, and the insurer has the right to rescind the contract . ”Is this requirement applicable to compulsory insurance? Whether the insurer can terminate the contract as long as the insurance policyholder fails to fulfill the obligation of truthful disclosure? Therefore, we deliberately selected the representative cases to conduct a preliminary analysis of the relevant issues . 【Case】 In April 2010, Fu Mou bought a low speed truck and insured at A Insurance Company.