Protection of Consumers in Insurance Contracts Based on Commutative Justice

Several factors in insurance contracts have led to a situation in which the interests of the insurance companies، as a party of the contract، are provided easily. Among these factors are the complex structure of insurance contract، its adhesive nature، and lack of adequate information and psychological problems in the insured. So using some legal strategies for correcting the unjust structure is inevitable. The law of insurance contracts، with an approach to protection of insurance consumers، is the most proper solution for restoring balance to insurance contracts. «The Principles of European Insurance Contract Law» may be one of the best examples، which could be adopted by other countries and covers a wide range of pre-contractual and contractual obligations of the parties. Using these principles in Iranian law of insurance contracts could guarantee numerous benefits for implementing commutative justice in insurance contracts. The article examines the most basic factors affecting contractual imbalance of insurance contracts and explains the principles of how to create balance and justice in these contracts.