{"created":"2023-05-15T14:25:16.749437+00:00","id":1014,"links":{},"metadata":{"_buckets":{"deposit":"5d214b69-fb26-4e5c-b73f-7fe2e4f6431c"},"_deposit":{"created_by":4,"id":"1014","owners":[4],"pid":{"revision_id":0,"type":"depid","value":"1014"},"status":"published"},"_oai":{"id":"oai:iuk-repo.repo.nii.ac.jp:00001014","sets":["15:16","21:37:147"]},"author_link":["3443"],"item_2_biblio_info_6":{"attribute_name":"書誌情報","attribute_value_mlt":[{"bibliographicIssueDates":{"bibliographicIssueDate":"2019-07-31","bibliographicIssueDateType":"Issued"},"bibliographicIssueNumber":"1","bibliographicPageEnd":"98","bibliographicPageStart":"77","bibliographicVolumeNumber":"60","bibliographic_titles":[{"bibliographic_title":"鹿児島経済論集"},{"bibliographic_title":"The Kagoshima journal of economics","bibliographic_titleLang":"en"}]}]},"item_2_creator_2":{"attribute_name":"著者(ヨミ)","attribute_type":"creator","attribute_value_mlt":[{"creatorNames":[{"creatorName":"ヒノ, カズナリ"}],"nameIdentifiers":[{"nameIdentifier":"3443","nameIdentifierScheme":"WEKO"}]}]},"item_2_description_4":{"attribute_name":"抄録","attribute_value_mlt":[{"subitem_description":"　損害保険代理店が保険契約締結の代理権を付与されていることから，事故発生後に事故者が代理店と共謀して事故発生前に契約成立日や保険料支払日を不正に遡及させて偽装するアフロス契約が存在し得る。実質的契約当事者が共謀して保険契約申込書や保険料領収書の日付を事故前に遡らせて作成すると，書証の持つ事実上の推定力により，保険者において保険料未収の証明責任を事実上負担することになり，従来，訴訟上において，その立証が極めて困難であると考えられてきた。\n　本来，保険契約は保険者と保険契約者間において保険契約の意思表示の合致すなわち申込と承諾により成立する諾成契約であり，保険料の支払または書類の作成をまたず，合意だけで成立することは判例や学説の一致した見解である。\n　しかし，保険実務では通常の保険契約は事実上，要式化されており，約款上，保険料領収前事故保険者免責規定がある。したがって，実質的に保険料の支払行為とほぼ同時に損害保険契約が成立すると考えられることから，保険料領収証等の交付が損害保険契約成立の証拠と看倣して， これがない場合には損害保険契約の成立が認められない。\n　そこで，保険始期に接近した保険事故が発生し， アフロス契約が疑われ，事実関係が真偽不明の場合，保険料未収の証明責任が問題となるが， これを本稿では， もっともIT化が進む自動車保険契約において，保険会社が敗訴した最近の裁判例を手掛かりに改めて考察したい。","subitem_description_type":"Abstract"}]},"item_2_description_43":{"attribute_name":"資源タイプ","attribute_value_mlt":[{"subitem_description":"論文(Article)","subitem_description_type":"Other"}]},"item_2_publisher_33":{"attribute_name":"出版者","attribute_value_mlt":[{"subitem_publisher":"鹿児島国際大学経済学部学会"}]},"item_2_source_id_7":{"attribute_name":"ISSN","attribute_value_mlt":[{"subitem_source_identifier":"13460226","subitem_source_identifier_type":"ISSN"}]},"item_2_source_id_9":{"attribute_name":"書誌レコードID","attribute_value_mlt":[{"subitem_source_identifier":"AA11479673","subitem_source_identifier_type":"NCID"}]},"item_2_text_34":{"attribute_name":"出版者（ヨミ）","attribute_value_mlt":[{"subitem_text_value":"カゴシマ コクサイ ダイガク ケイザイ ガクブ ガッカイ"}]},"item_2_text_35":{"attribute_name":"別言語の出版者","attribute_value_mlt":[{"subitem_text_value":"The Faculty of Economics, The International University of Kagoshima"}]},"item_2_text_44":{"attribute_name":"資源タイプ・ローカル","attribute_value_mlt":[{"subitem_text_value":"紀要論文"}]},"item_2_text_45":{"attribute_name":"資源タイプ・NII","attribute_value_mlt":[{"subitem_text_value":"Departmental Bulletin Paper"}]},"item_2_text_46":{"attribute_name":"資源タイプ・DCMI","attribute_value_mlt":[{"subitem_text_value":"text"}]},"item_2_text_47":{"attribute_name":"資源タイプ・ローカル表示コード","attribute_value_mlt":[{"subitem_text_value":"02"}]},"item_2_version_type_16":{"attribute_name":"著者版フラグ","attribute_value_mlt":[{"subitem_version_resource":"http://purl.org/coar/version/c_970fb48d4fbd8a85","subitem_version_type":"VoR"}]},"item_creator":{"attribute_name":"著者","attribute_type":"creator","attribute_value_mlt":[{"creatorNames":[{"creatorName":"日野, 一成"},{"creatorName":"Hino, 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after loss of automobile policy","subitem_title_language":"en"}]},"item_type_id":"2","owner":"4","path":["16","147"],"pubdate":{"attribute_name":"公開日","attribute_value":"2019-08-17"},"publish_date":"2019-08-17","publish_status":"0","recid":"1014","relation_version_is_last":true,"title":["自動車保険アフロス契約についての一考察 : 最近の裁判例を手掛かりに"],"weko_creator_id":"4","weko_shared_id":-1},"updated":"2023-05-15T21:57:25.330056+00:00"}