Privātās autonomijas ierobežojumi apdrošināšanas līgumtiesībās Latvijā

Abstract

The present article explores the application of private autonomy underlying private law and its limitations in insurance contract law in Latvia. The article deals with overview of private autonomy in Latvian insurance contract law with a special focus on the principle of freedom of contracts as the main expression of private autonomy. At the beginning, the article analyses general application of private autonomy in insurance contract regulation. The article further discusses four elements of the prin- ciple of freedom of contracts, such as the choice for conclusion of contract, the choice of contractual party, the choice of the contents of contract, and the choice of the contract’s form from the point of their limitation in insurance contract regulation. The article does not limit discussion with general insurance contract law but also pays attention to special insurance types, such as motor insurance, marine insurance, and various insurance types of the instances in which compulsory insurance is envisaged in Latvia. Likewise, the discussion covers not only Latvian national legal acts but also considers European Union law in the field of insurance law. The article finishes with the conclusion summarising the discussion reflected in the article.