عنوان مقاله [English]
نویسنده [English]چکیده [English]
Insurance companies may be exempted from their legal and fanatical obligations in certain incidents. An insurance contract also may contain some exclusion clauses. There are two types of excluding clauses: those which can be modified later via the parties' agreement, so the insurance policy may cover some of the excluded incidents; and incidents which can not be legally covered in any case. This article undertakes to discuss legal aspects of different types of the excluding clauses in personal insurance contracts.