نوع مقاله : مقاله پژوهشی
نویسندگان
1 کارشناسارشد، دانشکده حقوق و علومسیاسی، دانشگاه تهران، تهران، ایران (نویسنده مسئول) mohamad.faraji@ut.ac.ir
2 دانشیار، دانشکده حقوق و علومسیاسی، دانشگاه تهران، تهران، ایران.
چکیده
یکی از مباحث حائز اهمیت در هر قرارداد بینالمللی بیمه، قانون حاکم بر آن است؛ بهنحویکه تعهدات بیمهگر و بیمهگزار را میتواند بهشکل عمدهای تحت تأثیر خود قرار دهد. چنین امری حاکی از مقررات و الزامات قانونی است که عمدتاً در تمام نظامهای حقوقی، بهمنظور حمایت از بیمهگزاران پیشبینی شده است. قواعد آمرهای که در بسیاری از موارد، حق طرفین بر انتخاب قانون حاکم بر قرارداد خود را محدود یا بعضاً سلب و در عوض، معیارهایی را بهمنظور شناسایی قانون حاکم بر قرارداد بینالمللی بیمه، به مراجع حلوفصل اختلافات معرفی میکنند. آنچه پژوهش حاضر به بررسی آن پرداخته است، شناسایی و تبیین الزامات قانونی محدودکننده اصل آزادی اراده در انتخاب قانون حاکم و معیارهای قانونی تشخیص قانون حاکم بر قرارداد در صورت نبود قانون منتخب نافذ است. حسب یافتههای این پژوهش، معیارهایی نظیر کشور محل وقوع ریسک، محل اقامت یا ثبت بیمهگزار، محل انعقاد قرارداد و محلی که اساسیترین ارتباط را با قرارداد دارد، از معیارهای قانونی پر کاربرد در باب الزامات مربوط به قراردادهای بینالمللی بیمه محسوب میشوند.
کلیدواژهها
عنوان مقاله [English]
Identifying the Conflict of Laws Rules on the Governing Law of International Insurance Contracts
نویسندگان [English]
- Mohammad Faraji 1
- Mahmood Bagheri 2
1 L.L.M, Faculty of Law & Political Science, University of Tehran, Tehran, Iran Corresponding Author Email: mohamad.faraji@ut.ac.ir
2 Associate Professor, Faculty of Law & Political Science, University of Tehran, Tehran, Iran
چکیده [English]
The governing law of an international insurance contract is of vital significance, as it directly influences the commitments of both the insurers and the insured parties. This importance indicates regulations and legal requirements generally designed to protect the insured party in nearly every legal system. These mandatory provisions often restrict or eliminate the parties’ right to freely choose the applicable law, instead establishing specific criteria that dispute resolution forums must apply to determine the law governing the contract. This article examines the various limitations imposed by mandatory rules on party autonomy in selecting the applicable law, as well as the legal principles that come into play when the parties have not made an effective choice. The findings reveal that common criteria used by such mandatory rules include the country of risk, the insured’s residence or registration, the lex loci contractus, and the jurisdiction with the most substantial connection to the contract.
کلیدواژهها [English]
- Non-Life Insurance Directives
- Life Insurance Directive
- Rome I Regulation
- Conflict of Laws
- State Court Practices
منابع
کتاب
- الماسی، نجادعلی، تعارض قوانین (ویراست دوم)، چ 40، تهران: مرکز نشر دانشگاهی، 1401.
- کاتوزیان، ناصر، حقوق مدنی: قواعد عمومی قراردادها، ج 1، چ 8، تهران: شرکت سهامی انتشار، 1388.
مقاله
- اخلاقی، بهروز، «اسناد تجاری در قلمرو حقوق تجارت بینالملل دیدگاههای پیمان ژنو 1930»، مجله حقوقی بینالمللی، د. 10، ش. 12، 1368، صص. 83-166.
https://doi.org/10.22066/cilamag.1990.18355
- بادینی، حسن و احمد شاهی، «مطالعه تطبیقی قانون حاکم بر قرارداد بیمه (حقوق ایران و اتحادیه اروپا)»، مجله حقوقی بینالمللی، د. 32، ش. 53، 1394، صص. 315-363.
https://doi.org/10.22066/cilamag.2015.18541
- شهیدی، مهدی، «قانون حاکم بر قراردادهای بینالملل خصوصی»، مجله تحقیقات حقوقی، د. 1، ش. 19-20، 1376، صص. 1-82.
- کرمی کلمتی، فرزاد و حامد بابایی، «تأملی بر قانون حاکم بر تعهدات قراردادی عقد بیمه در ایران و ایالات متحده آمریکا»، فصلنامه تمدن حقوقی، د. 5، ش. 10، 1401، صص. 389-407.
10.22034/lc.2022.145409
- الماسی، نجادعلی و هادی شعبانی کَندسری، «بررسی تطبیقی محدودیتهای طرفین قرارداد در انتخاب قانون حاکم»، مجله حقوقی بینالمللی، د. 34، ش. 56، 1396، صص. 9-36.
https://doi.org/10.22066/cilamag.2017.25164
- نیکبخت، حمیدرضا و علیاصغر عیوضپور، «اصل حاکمیت (آزادی) اراده بهعنوان قاعده حل تعارض در تعهدات غیرقراردادی؛ نگاهی به نظام حقوقی اتحادیه اروپا»، مجله حقوقی بینالمللی، د. 28، ش. 44، 1390، صص. 13-54.
https://doi.org/10.22066/cilamag.2011.17162
قوانین
- قانون داوری تجاری بینالمللی 1376.
- قانون مدنی ایران 1314.
References
Books
- Almassi, Nejad Ali, The Conflict of Laws, 2nd edition, 40th Ed, Tehran: Institute of University Publishing, 2022. (in Persian)
- Katouzian, Nasser, Civil Code: General Rules of Contracts, 1st Vol, 8th edition, Tehran: Entesharat Co., 2009. (in Persian)
- Seatzu, Francesco, Insurance in Private International Law: A European Perspective, Portland Oregon: Hart Publishing, 2003.
Articles
- Akhlaghi, Behrouz, “Commercial Documents in the Field of International Trade Law Viewpoints of the Geneva Convention 1930”, International Law Review, Vol 10, Issue 12, 1990, PP. 83-166. (in Persian) https://doi.org/10.22066/cilamag.1990.18355
- Almassi, Nejad Ali & Hadi Shabani Kandsari, “Comparative Study of the Limitations of Parties to a Contract in Choosing the Governing Law”, International Law Review, Vol 34, Issue 56, 2017, PP. 9-36. (in Persian) https://doi.org/10.22066/cilamag.2017.25164
- Badini, Hassan & Ahmad Shahi, “A Comparative Assessment of the Applicable Law on Insurance Contract (Iran and European Union Law)”, International Law Review, Vol 22, Issue 53, 2016, PP. 315-363. (in Persian) https://doi.org/10.22066/cilamag.2015.18541
- Bagheri, Mahmood, “Conflict of Laws, Economic Regulations and Corrective/Distributive Justice", University of Pennsylvania Journal of International Law, Vol 28, Issue 1, 2014, PP. 113-151.
- Bayitch, S.A., “Conflict Law in United States Treaties”, University of Miami Law Review, Vol 8, Issue 4, 1954, PP. 501-529.
- Coyle, John F., “The Mystery of the Missing Choice-of-Law Clause”. UC Davis Law Review, Vol 56, Issue 707, 2022, PP. 707-759. https://dx.doi.org/10.2139/ssrn.3976508
- Henlin, John G., “Choice of Law in the Interpretation of Insurance and Reinsurance Contract”, Maryland Journal of Contemporary Legal Issues, Vol 2, Issue 1, 1991, PP. 15-32.
- Johnston, Robert, “Party Autonomy in Contracts Specifying Foreign Law”, William & Mary Law Review, Vol 7, Issue 1, 1966, PP. 37-60.
- Karami Kolmoti, Farzad & Hamed Babaei, “A Reflection on the Law Governing the Contractual Obligations of the Insurance Contract in Iranian and American Law”, Fares Law Research, Vol 5, Issue 10, 2022, PP. 389-407. (in Persian) 0.22034/lc.2022.145409
- Kramer, Xandra, “The New European Conflict of of Law Rules on Insurance Contracts in Rome I: A Complex Compromise”, ML Hendrikse & JGJ Rinkes (eds)/ Insurance and Europe. Uitgeverij Paris, Zutphen, 2007, PP. 85-102.
- Leflar, Robert A., “Conflicts Law: More on Choice-Influencing Considerations”, California Law Review, Vol 54, Issue 4, 1966, PP. 1584-1598.
- Merrett, Louise, “Choice of Law in Insurance Contracts under the Rome I Regulation”, Journal of Private International Law, Vol 5, Issue 1, 2009, PP. 49-68.
- Nafziger, James A.R., “Resolving International Conflict of Laws by Federal and State Law”, Pace International Law Review, Vol 2, Issue 1, 1990, PP. 67-81. https://doi.org/10.58948/2331-3536.1007
- Nikbakht, Hamidreza & Ali Asghar Eyvazpour, “Party Autonomy as a Rule of Conflict of Laws in Non-contractual Obligations”, International Law Review, Vol 28, Issue 44, 2011, PP. 13-54. (in Persian) https://doi.org/10.22066/cilamag.2011.17162
- Shahidi, Mahdi, “The Law Governing Private International Contracts”, Legal Research Quarterly, Vol 1, Issue 19-20, 1997, PP. 1-82. (in Persian)
- Shinn Jr., William E., “Conflict of Laws -- Most Significant Relationship Rule”, North Carolina Law Review, Vol42, Issue 2, 1964, PP. 419-429.
Cases
- Motorists Ins. Co. v. Artra Group, Inc., 22 June 1995, Court of Appeals of Maryland, 338 Md. 560 (Md. 1995) 659 A.2d 1295.
- Daley v. American States Preferred Ins. Co., et al, 22 December 1998, Supreme Court of North Dakota, 1998 ND 225. 587 N.W.2d 159.
- GRS LM Insurance Corporation v. PB Express, Inc., 27 September 2011, District Court of Georgia, Savanah Division, CV410-239 (S.D. Ga. Sep. 27, 2011).
- Harrison v. Insurance Company of North America, 28 August 1975, Supreme Court of Alabama, 318 So. 2d 253 (1975).
- Kleve et al. v. Basler Lebensversicherungsgesellschaft in Basel, 24 December 1943, Supreme Court of New York, 45 N.Y. 2d 882.
- Ledesma v. Jack Stewart Produce, Inc., 5 May 1987, United States Court of Appeals, Ninth Circuit, 816 F.2d 482 (9th Cir. 1987).
- O'Neal v. State Farm Mutual Automobile Insce. Co., Court of Appeals of Georgia, 14 April 2000, 243 Ga. App. 756 (Ga. Ct. App. 2000) 533 S.E.2d 781.
Laws
- Civil Code of Islamic Republic of Iran, 1938. (in Persian)
- International Commercial Arbitration Act of Iran, 1997. (in Persian)
Conventions & Directives
- Convention on the Law Applicable to Contractual Obligations 1980 (Rome Convention 1980).
- Directive 2002/83/EC of the European Parliament and of the Council of 5 November 2002 concerning life assurance.
- Regulation (EC) No 593/2008 of the European Parliament and of the Council of 17 June 2008 on the law applicable to contractual obligations (Rome I).
- Restatement (Second) of Conflict of Laws 1971.
- First Council Directive 73/239/EEC of 24 July 1973 on the coordination of laws, regulations and administrative provisions relating to the taking-up and pursuit of the business of direct insurance other than life assurance.
- Second Council Directive 88/357/EEC of 22 June 1988 on the coordination of laws, regulations and administrative provisions relating to direct insurance other than life assurance and laying down provisions to facilitate the effective exercise of freedom to provide services and amending Directive 73/239/EEC/
- Council Directive 92/49/EEC of 18 June 1992 on the coordination of laws, regulations and administrative provisions relating to direct insurance other than life assurance and amending Directives 73/239/EEC and 88/357/EEC (third non-life insurance Directive).
Reports
- Drobnig, Ulrich M. & Max Rheinstein, Applications in the United States, Available at: https://www.britannica.com/topic/conflict-of-laws/Applications-in-the-United-States (last visit 14/11/2024).
- Murray, James & Kimberly Sou, Choice of Law Standards Re: Insurance Coverage, Tressler LLP, 2016, Available at:
https://www.tresslerllp.com/docs/default-source/Publication-Documents/ 50_state_choice_of_law_standards_re_insurance_coverage.pdf?sfvrsn=0 (Last Visit 17/11/2024).
- Pariser, Ben, Understanding Choice of Law in Insurance Claims, Restorical Research, 2024, Available at: https://restorical.com/choice-of-law-insurance-clai (Last Visit 17/11/2024).
- Statista, Development in the total number of life insurance companies in the United States from 1950 to 2022, Available at:
https://www.statista.com/statistics/194335/total-number-of-life-insurance-companies-in-the-us/#:~:text=In%202022%2C%20there%20were%20a, the%20United%20States%20that%20year (Last Visit 17/11/2024).
- Statista, Total number of United Kingdom (UK) authorized insurance companies in January 2014 and September 2022, by sector, Available at: https://www.statista.com/statistics/827280/number-of-insurance-companies-united-kingdom-by-sector/ (Last Visit 17/11/2024).