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0131969 AI generated

Insurance agent's proposal remains ineffective until insurer accepts; no binding contract exists prior to acceptance.

Case Number 0131969
Court / Authority
Jurisdiction Portugal (PT)
Decision Date
Outcome Partially Allowed
Open official source Machine-readable Markdown (.md)

Legislator summary

AI generated

The court held that an insurance agent lacks authority to definitively conclude a contract on behalf of the insurer without explicit acceptance. Consequently, the proposed agreement was deemed non-existent until the insurer formally accepted the terms. This ruling clarifies that the agent's actions do not create a binding legal relationship between the proposer and the insurer prior to such acceptance.

Legislator headnote

Official

SEGURO AGENTE RESPONSABILIDADE ACEITAÇÃO DA PROPOSTA DE CONTRATO

Keywords

AI generated
Insurance Agent Authority Contract Formation Proposal Acceptance Binding Legal Agreement Insurance Law Principles

Cited Legislation

AI generated
DL 388/91 de 1991/10/10 Art. 2.
CCIV66
Art. 227 n.1

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Full text

[Nº CONVENCIONAL] JTRP00034967

[Nº DO DOCUMENTO] RP200210030131969

[PRIVACIDADE] 1

[TEXTO INTEGRAL] N

[TRIBUNAL RECORRIDO] T J VIANA CASTELO

[URL] https://www.dgsi.pt/jtrp.nsf/56a6e7121657f91e80257cda00381fdf/366AFFC59589CA9280256C6F0034742B?OpenDocument

SUMÁRIO

Inexistindo qualquer atribuição a um mediador de seguros da delegação de competências quanto à celebração definitiva de qualquer contrato de seguros em nome da seguradora, enquanto a proposta de seguro não for aceite pelo tomador, subsiste a actividade desenvolvida pelo agente de seguros, não se podendo ainda considerar que haja sido celebrado qualquer negócio jurídico entre o proponente e o respectivo destinatário daquela proposta.