最大诚信原则是保险合同中的基本原则之一。依据这一原则,在签订保险合同的时候,保险人必须把办理保险的有关事项告知投保人,投保人必须把保险标的主要危险情况向保险人如实申报,以便使保险人据以对危险程度进行判断,决定是否接受投保和确定保险费率。坚持最大诚信原则是防止把保险变为投机性活动的有效手段之一。首先,保险的目的在于把少数人事先无法预计的意外经济损失分摊给众多的人承担。保险人承保的危险必须是意外的,偶然的。对于那些事先就能预计到 The principle of maximum integrity is one of the basic principles in insurance contracts. According to this principle, when signing the insurance contract, the insurer must inform the insured about the matters relating to handling the insurance. The insured must truthfully report the major dangerous situations of the insured subject to the insurer, so that the insurer can make the dangerous degree according to the principle Judge, decide whether to accept the insurance and determine the premium rate. To uphold the principle of utmost good faith is one of the effective ways to prevent insurance from becoming a speculative activity. First of all, the purpose of insurance is to share the unforeseen unexpected unexpected economic losses to a large number of people. The insured’s danger must be accidental and accidental. For those who can predict in advance