OBAVEZE OSIGURAVAČA IZ UGOVORA O OSIGURANjU

In most civil law or commercial contracts, the contracting parties assume their responsibilities, that is their obligations come into effect upon signing the contract. However, there are some type of contracts, where law foresees certain responsibilities of the contracting parties before signing the contract. An insurance contract is a typical contract where the legislator prescribes certain obligations of future contracting parties before signing the contract. In that context, we can speak about the insurer’s obligations before signing the contract, during its lifetime and at the moment of the accident covered by the insurance contract. All these obligations have their specific weight and are defined by legal provisions and insurance terms and conditions, regardless the fact we are speaking about the legal or voluntary insurance, that is whether it is property insurance, personal insurance or liability insurance. Basically, the insurer’s responsibilities are related to the obligations of the insured, who, by paying his insurance premiums as the price of the risk, expects certain security from signing an insurance contract.