An Analysis of the Obligation to Notify Insurers of Increasing Risk: A Case Study of Online Car-Hailing
Keywords:
Risk increase notification obligation, Online car, Insurance Law Article 52Abstract
In recent years, China’s sharing economy has developed rapidly, with online car-hailing gradually becoming a primary mode of daily travel for many individuals. However, due to legislative shortcomings and delays, judicial practices differ significantly in addressing car-hailing insurance issues. Insurers frequently refuse to pay claims, citing violations of the obligation to notify insurers of increased risks, leading to inconsistent judgments across regions. This paper takes the phenomenon of online car-hailing as a starting point to examine legislative deficiencies and explore pathways for improving the risk increase notification system.
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