Análise econômica do contrato de seguro: um estudo de caso a partir da cobertura de risco do tipo suicídio em seguro de acidentes pessoais –excesso regulatório pontual

Abstract

The present work aims to examine the possibility of covering risk suicide by contract type personal accident insurance and its impacts to the consumer. Therefore, the study, which uses the method of Law and Economics, is based on the characteristics of this contract and life insurance contract, which has been the paradigm for the Regulatory Rules. Moreover, as a footstool theoretical study is made of the principles inherent in these contracts, as instruments of efficiency and reduction of transaction costs for the insurance market, and too is analised the new reality of Administrative Law, particularly with regard to the Regulatory Law.