The effect of a change in the insured’s condition on the insurance contract after its

Abstract

The law is considered an indispensable social necessity, because it is the means that provides every society with legislation through which every individual can know his rights and duties. Since the dawn of history, man began to search for a group to live with them and to avoid the dangers he faces alone. After groups were found, man began to live in society and cooperate as sons. Society is able to ward off all the dangers facing the individual through their solidarity and collaboration in social life. After the socialist renaissance existed, which called for people to be partners in everything, society quickly turned away from it and moved to a life of solitude in financial liability, and the person began to resist the dangers of life alone. Then he found legislation and jurisprudence. There is a great necessity to establish something that guarantees the individual and protects him from the risks that he encounters in his life, and this is what is called the insurance contract, as the insurance contract is considered one of the very important contracts, and from the moment of its conclusion, this contract has legal effects for its parties, creating corresponding obligations that must be fulfilled and implemented, and if it is possible The insured shall carry out his obligations To be able to face the risks of life, the insurance company must also cover the risks that fall within the limits of the scope of the thing insured, otherwise the party violating these obligations will bear the legally prescribed compensation for this violation. The insured must also disclose the information that surrounds the risks of the contract, and sometimes circumstances change. The insured is negative and the insured does not inform the insured and this is what constitutes A major risk that threatens the insured with a huge loss, that is, if the insured had not known it, he would have been able to avoid that risk since it reached it, without it reaching its high level of risk. This is what prompted us to divide this study into two sections, in the first of which we explained the nature of the insured and the second was devoted to studying the change The insured’s situation after concluding the contract, then we reached a conclusion that included results and recommendations