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最大诚信原则应该同时适用于保险人和投保人。投保人遵守该原则主要体现在如实告知和履行保证上,保险人(保险公司)遵守该原则主要体现在弃权和禁止反言上。
The principle of utmost good faith should apply to insurers and policyholders at the same time. The adherence of the policyholder to this principle is mainly reflected in the truthful disclosure and performance of the guaranty. The insurer (insurance company) observing this principle is mainly reflected in the abstention and the prohibition of aversion.