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Glosa do uchwały Sądu Najwyższego z 19 października 2018 r. (III CZP 29/18) w sprawie dziedziczności uprawnienia żądaniawaloryzacji renty odroczonej
Prawo Asekuracyjne Pub Date : 2019-06-15 DOI: 10.5604/01.3001.0013.7791
Grzegorz Wolak
{"title":"Glosa do uchwały Sądu Najwyższego z 19 października 2018 r. (III CZP 29/18) w sprawie dziedziczności uprawnienia żądania\u0000waloryzacji renty odroczonej","authors":"Grzegorz Wolak","doi":"10.5604/01.3001.0013.7791","DOIUrl":"https://doi.org/10.5604/01.3001.0013.7791","url":null,"abstract":"Uprawnienie żądania waloryzacji sądowej, przewidziane w art. 3581 § 3 k.c., ma niewątpliwie charakter cywilny i majątkowy. W systemie prawa cywilnego brak jest normy prawnej, która w przypadku śmierci wierzyciela w stosunku zobowiązaniowym wyłączałaby przejęcie tego uprawnienia na jego spadkobiercę\u0000(spadkobierców), bądź która przewidywałaby przejęcie tego uprawnienia na inne osoby niż jego spadkobierca (spadkobiercy). Mogłoby to prima facie przemawiać za dziedzicznością tego uprawnienia, zwłaszcza gdyby przed otwarciem spadku wierzyciel oświadczenia pieniężnego, któremu ono przysługiwało, dać wyraz temu, że przystępuje do jego realizacji przez zgłoszenie przed sądem stosownego żądania. Sąd Najwyższy był jednak innego zdania uznając w glosowanej uchwale z 19 października 2018 r., III CZP 29/181\u0000, że: „Prawo podmiotowe do żądania zmiany wysokości świadczeń pieniężnych (art. 358 § 3 k.c.) spełnianych na podstawie umowy renty nie wchodzi do spadku nawet wtedy, gdy powództwo obejmujące takie żądanie zostało wytoczone jeszcze przez spadkodawcę”\u0000\u0000","PeriodicalId":277138,"journal":{"name":"Prawo Asekuracyjne","volume":"41 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126991791","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 2
Legal Aspects of an Advertising Strategy Conducted in Insurance Distribution 保险分销中广告策略的法律问题
Prawo Asekuracyjne Pub Date : 2019-06-15 DOI: 10.5604/01.3001.0013.5663
Beata Mrozowska Bartkiewicz
{"title":"Legal Aspects of an Advertising Strategy Conducted in Insurance Distribution","authors":"Beata Mrozowska Bartkiewicz","doi":"10.5604/01.3001.0013.5663","DOIUrl":"https://doi.org/10.5604/01.3001.0013.5663","url":null,"abstract":"Effective marketing and advertising of services is one of the most important areas of the insurance undertaking’s activity, like in the case of any other business entity. Thanks to advertising the insurer’s image is built and information presented about the offered services and conducted business. It is particularly important for insurance companies, whose products are intangible and their quality cannot be checked at the moment of their acquisition.In principle, what largely determines the choice of a certain offer is the consumer confidence that the promise of the payment of benefits will be fulfilled, if a certain event occurs in the future.","PeriodicalId":277138,"journal":{"name":"Prawo Asekuracyjne","volume":"28 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121065219","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
The Impact of Innovative Technologies on the Insurance Market Operation 创新技术对保险市场运行的影响
Prawo Asekuracyjne Pub Date : 2019-06-15 DOI: 10.5604/01.3001.0013.5659
J. Łańcucki
{"title":"The Impact of Innovative Technologies on the Insurance Market Operation","authors":"J. Łańcucki","doi":"10.5604/01.3001.0013.5659","DOIUrl":"https://doi.org/10.5604/01.3001.0013.5659","url":null,"abstract":"Innovative technologies are being increasingly used on the insurance market, as well. However, while analyzing and assessing their impact on the market what must be taken into account are not only distributors of insurance services, but also institutions performing regulatory and supervisory tasks, and perhaps above all, customers and consumers. The present article seeks to analyze the conditions, benefits and barriers associated with the application of innovative technologies with special regard to big data analytics, artificial intelligence and the possibility of absorption of innovative products and services by their customers.It has been emphasized that while evaluating the suitability of innovative technologies for the insurance market it is vital to confront product offers provided by insurance undertakings and intermediaries with the expectations, needs and skills of the purchasers of these products.","PeriodicalId":277138,"journal":{"name":"Prawo Asekuracyjne","volume":"53 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127126063","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 2
New technologies in insurance distribution. Selected legal problem sconcerning introducing innovations in the insurance market 保险分销新技术。选择保险市场创新的法律问题
Prawo Asekuracyjne Pub Date : 2019-06-15 DOI: 10.5604/01.3001.0013.5675
M. Fraś, Monika Szaraniec
{"title":"New technologies in insurance distribution. Selected legal problem sconcerning introducing innovations in the insurance market","authors":"M. Fraś, Monika Szaraniec","doi":"10.5604/01.3001.0013.5675","DOIUrl":"https://doi.org/10.5604/01.3001.0013.5675","url":null,"abstract":"Introducing New technologies in insurance distribution seems to be inevitable and should be based on applicable legal regulations.Thisprocess, however, isassociated with many legal problems in the regulatory and supervisory as wellas civil law. Robo-advice, artificial intelligence, digital cross-sellers insurance, Big Data Analytics and customer data generation, Internet of Things, as well as enti tiesapplying blockchain technology to manager insurance contracts, their liquidation and clients' claims constitute competition for traditional (classic) insurance distributor activity. Considerations, due to the limitem volume of the article, signal on selected legal problems (in national and EU law) regarding the introduction of innovations in the insurance market.","PeriodicalId":277138,"journal":{"name":"Prawo Asekuracyjne","volume":"43 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127352595","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Legal Barriers to the Development of Digital Distribution Channels in the Activities of Insurance Companies in Poland 波兰保险公司活动中数字分销渠道发展的法律障碍
Prawo Asekuracyjne Pub Date : 2019-06-15 DOI: 10.5604/01.3001.0013.5697
P. Wrzesiński
{"title":"Legal Barriers to the Development of Digital Distribution Channels in the Activities of Insurance Companies in Poland","authors":"P. Wrzesiński","doi":"10.5604/01.3001.0013.5697","DOIUrl":"https://doi.org/10.5604/01.3001.0013.5697","url":null,"abstract":"The use of modern technologies in business is primarily aimed at simplifying business processes, reducing the costs of business operations as well as improving the quality of services offered to clients. It is also a response to the changing preferences of customers who are increasingly using digital solutions. Technological solutions may in particular be used in the insurance distribution process, which in recent years has become much more demanding, due a number of provisions regulating the distribution of insurance contracts were introduced.  These changes are mainly aimed at ensuring that client makes conscious decisions regarding the conclusion of the contract, due to broad information requirements as well as matching the insurance to the client's needs. The use of mobile applications, Big Data, artificial intelligence or blockchain technology may allow for simplification, acceleration and reduction of costs in the process of distribution of insurance contracts. The article is an attempt to indicate the main possibilities of using technological solutions, both in relation to the requirements for insurance distributors and in relation to the technologies that can be used. Selected barriers were also discussed, which in the author's opinion significantly limit the possibility of development of digital insurance distribution channels.\u0000\u0000","PeriodicalId":277138,"journal":{"name":"Prawo Asekuracyjne","volume":"43 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124082144","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
The Scope of Amendments to the Insurance and Reinsurance Activity Act Related to the Adjustment to the EU Regulations on the Protection of Personal Data 与欧盟个人数据保护条例调整相关的《保险和再保险活动法》修正案的范围
Prawo Asekuracyjne Pub Date : 2019-06-15 DOI: 10.5604/01.3001.0013.5671
Jan Byrski, Henryk Hoser
{"title":"The Scope of Amendments to the Insurance and Reinsurance Activity Act Related to the Adjustment to the EU Regulations on the Protection of Personal Data","authors":"Jan Byrski, Henryk Hoser","doi":"10.5604/01.3001.0013.5671","DOIUrl":"https://doi.org/10.5604/01.3001.0013.5671","url":null,"abstract":"The purpose of this article is to present the key changes in the provisions of the Insurance and Reinsurance Activity Act related to the enactment of the act amending certain laws with a view to ensuring the application of the Regulation of the European Parliament and of the Council (EU) 2016/679 of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data and repealing Directive 95/46/EC. The authors concentrate on selected issues, which, in their opinion, are particularly important from the point of view of insurance undertakings in the context of the introduced changes.\u0000\u0000","PeriodicalId":277138,"journal":{"name":"Prawo Asekuracyjne","volume":"42 5-7 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123370489","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Pre-contractual Information Duties of Insurers. A German and Polish Approach 保险公司的合同前信息义务。德国和波兰的做法
Prawo Asekuracyjne Pub Date : 2019-06-15 DOI: 10.5604/01.3001.0013.5837
Michał P Ziemiak
{"title":"Pre-contractual Information Duties of Insurers. A German and Polish Approach","authors":"Michał P Ziemiak","doi":"10.5604/01.3001.0013.5837","DOIUrl":"https://doi.org/10.5604/01.3001.0013.5837","url":null,"abstract":"Information is the key element of consumers and customers protection in insurance. Implementation of Insurance Distribution Directive (IDD) by EU member states in 2018 was yet another step – at least in theory – in expanding access to basic knowledge about insurance products. Nevertheless, despite certain new solutions included in IDD, pre-contractual duties of insurers still remain primary source of mentioned information for policyholders. EU member states have adopted various approaches to IDD implementation and – in particular – legal shape of pre-contractual obligations of insurance contract parties. Hence, the purpose of this paper is to introduce contemporary perspective on insurers pre-contractual information duties in German and Polish legal systems. First part includes a basic outline of insurance law in both countries in scope of IDD implementation. It is followed by comparative commentaries on “demands-and-needs test” as well as general information duties set out i.a. in German Insurance Contract Act (VVG) and Polish Insurance Distribution Act (UDU).The paper closes with certain conclusions and findings.\u0000\u0000","PeriodicalId":277138,"journal":{"name":"Prawo Asekuracyjne","volume":"60 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125917792","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
The Form of Pre-contractual Obligations of the Parties to the Insurance Contract Provided for in Polish Legislation and the Modern Market Requirements 波兰法律规定的保险合同当事人的合同前义务形式和现代市场要求
Prawo Asekuracyjne Pub Date : 2019-06-15 DOI: 10.5604/01.3001.0013.5698
J. Pokrzywniak
{"title":"The Form of Pre-contractual Obligations of the Parties to the Insurance Contract Provided for in Polish Legislation and the Modern Market Requirements","authors":"J. Pokrzywniak","doi":"10.5604/01.3001.0013.5698","DOIUrl":"https://doi.org/10.5604/01.3001.0013.5698","url":null,"abstract":"This article is concerned with the form of activities performed by the parties to the insurance contract in the pre-contractual phase. Selected provisions of the Civil Code, the Insurance and Reinsurance Activity Act and the Insurance Distribution Act have been analyzed with regard to the form of particular steps aimed at the conclusion of the insurance contract. This comparison suggests the legislator’s inconsistency as to the formal requirements to be met by the communications between prospective contractors. It is hard to admit that these provisions pursue a single and coherent legislative intention. On the contrary, the impression of randomness arises. The Civil Code, which creates the strictest requirements, ‘does not keep up with’ the solutions adopted in other acts, especially those which have originated in the EU legislation. As a consequence of these findings, de lege ferenda postulates have been formulated.","PeriodicalId":277138,"journal":{"name":"Prawo Asekuracyjne","volume":"18 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128879182","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Product Intervention Measures in the European System of Financial Supervision 欧洲金融监管体系中的产品干预措施
Prawo Asekuracyjne Pub Date : 2019-03-15 DOI: 10.5604/01.3001.0013.5645
Beata Mrozowska - Bartkiewicz
{"title":"Product Intervention Measures in the European System of Financial Supervision","authors":"Beata Mrozowska - Bartkiewicz","doi":"10.5604/01.3001.0013.5645","DOIUrl":"https://doi.org/10.5604/01.3001.0013.5645","url":null,"abstract":"The European System of Financial Supervision (ESFS) sets a framework of financial supervision in the European Union. Its main objective is to ensure that the rules applicable to the financial sector are properly implemented in all the Member States to preserve the financial stability of the financial sector, promote trust and guarantee consumer protection. The new powers refer to investment-related products, offered by both financial institutions and insurance undertakings. Each European supervisory authority is endowed with the power to apply supervisory measures, including the product intervention, which means the power to issue a decision binding in the European Union to temporarily prohibit the provision of certain financial products, conducting some activities or practices which threaten the proper operation and integrity of financial markets or the stability of the financial system in the European Union. In 2018 the product intervention measures were adopted by ESMA for the first time in two decisions, namely on the prohibition of the provision, distribution and sale of binary options to retail clients and on the restriction of the provision, distribution or sale of contracts for differences (CFDs) to retail clients. These precedent decisions will set the new directions for the EU supervision of financial institutions, mainly because of the issuing authority, which is not national, but European, and whose decisions are automatically applied in the territories of the Member States.\u0000\u0000","PeriodicalId":277138,"journal":{"name":"Prawo Asekuracyjne","volume":"51 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-03-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116435380","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
Group Insurance after the Entry into Force of the Insurance Distribution Act 保险分销法生效后的团体保险
Prawo Asekuracyjne Pub Date : 2019-03-15 DOI: 10.5604/01.3001.0013.5608
Marcin Orlicki
{"title":"Group Insurance after the Entry into Force of the Insurance Distribution Act","authors":"Marcin Orlicki","doi":"10.5604/01.3001.0013.5608","DOIUrl":"https://doi.org/10.5604/01.3001.0013.5608","url":null,"abstract":"The article discusses the principles of the conclusion and execution of group insurance contracts after the entry into force of the Insurance Distribution Act. It particularly analyzes the legal position of the insured (the problem of recognizing them as clients), the scope and shape of the policyholder’s and distributor’s obligations, as well as the responsibility of the policyholder for non-fulfilment or improper fulfilment of these duties.\u0000\u0000","PeriodicalId":277138,"journal":{"name":"Prawo Asekuracyjne","volume":"40 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-03-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124812176","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
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