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Exclusion Clauses in Personal Insurances

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 partiesʹ 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.