{"id":650959,"date":"2026-04-22T19:46:20","date_gmt":"2026-04-22T17:46:20","guid":{"rendered":"https:\/\/kohenavocats.com\/jurisprudences\/acordao-supremo-tribunal-de-justica-processo-14456-18-1t8prt-p3-s1-2022-12-15-2\/"},"modified":"2026-04-22T19:46:20","modified_gmt":"2026-04-22T17:46:20","slug":"acordao-supremo-tribunal-de-justica-processo-14456-18-1t8prt-p3-s1-2022-12-15-2","status":"publish","type":"kji_decision","link":"https:\/\/kohenavocats.com\/ru\/jurisprudences\/acordao-supremo-tribunal-de-justica-processo-14456-18-1t8prt-p3-s1-2022-12-15-2\/","title":{"rendered":"Ac\u00f3rd\u00e3o Supremo Tribunal de Justi\u00e7a \u2013 Processo 14456\/18.1T8PRT.P3.S1 \u2013 2022-12-15"},"content":{"rendered":"<div class=\"kji-decision\">\n<p class=\"kji-summary\">Relator: VIEIRA E CUNHA. I ? O regime contratual do contrato de seguro vem a emergir, de forma essencial, do clausulado geral e especial acordado no instrumento do seguro que constitui a ap?lice, clausulado que deve ser interpretado com observ?ncia das regras do art.? 236.? n.?s 1 e 2 do CCiv, por remiss?o da norma do art.? 10.? do D-L n?446\/85 de 25\/10. II ? As cl?usulas de exclus?o da responsabilidade devem ser formuladas em termos claros e precisos, permitindo ao segurado conhecer plenamente a extens?o exacta da garantia do seguro e mais devem contribuir para o discernimento do risco, n?o para o eliminar. III &#8212; Na d?vida sobre o alcance da cl?usula de exclus?o da responsabilidade da seguradora, deve prevalecer o sentido mais literal, por ser aquele que mais favorece o segurado (cf. art.? 11.? n.?2 do D.-L. n.? 446\/85).<\/p>\n<hr class=\"kji-sep\" \/>\n<p class=\"kji-source-links\"><strong>Sources officielles :<\/strong> <a class=\"kji-source-link\" href=\"https:\/\/www.dgsi.pt\/jstj.nsf\/954f0ce6ad9dd8b980256b5f003fa814\/33651b98fb3c68d28025891a00356007?OpenDocument&#038;ExpandSection=1\" target=\"_blank\" rel=\"noopener noreferrer\">consulter la page source<\/a><\/p>\n<p class=\"kji-license-note\"><em>Portails officiels portugais (DGSI \/ Tribunal Constitucional). Republication en metadata_only par prudence licencielle ; consulter la source officielle pour le texte authentique.<\/em><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Relator: VIEIRA E CUNHA. I ? O regime contratual do contrato de seguro vem a emergir, de forma essencial, do clausulado geral e especial acordado no instrumento do seguro que constitui a ap?lice, clausulado que deve ser interpretado com observ?ncia das regras do art.? 236.? n.?s 1 e 2 do CCiv, por remiss?o da norma do art.? 10.? do D-L n?446\/85 de 25\/10. II ? As cl?usulas de exclus?o da responsabilidade devem ser formuladas em termos claros e precisos, permitindo ao segurado conhecer plenamente a extens?o exacta da garantia do seguro e mais devem contribuir para o discernimento do risco, n?o para o eliminar. III &#8212; Na d?vida sobre o alcance da cl?usula de exclus?o da responsabilidade da seguradora, deve prevalecer o sentido mais literal, por ser aquele que mais favorece o segurado (cf. art.? 11.? n.?2 do D.-L. n.? 446\/85).<\/p>\n","protected":false},"featured_media":0,"template":"","meta":{"_crdt_document":""},"kji_country":[7762],"kji_court":[7763],"kji_chamber":[8784],"kji_year":[32183],"kji_subject":[7724],"kji_keyword":[7772,7774,7771,7773,7636],"kji_language":[7770],"class_list":["post-650959","kji_decision","type-kji_decision","status-publish","hentry","kji_country-portugal","kji_court-supremo-tribunal-de-justica","kji_chamber-2-seco","kji_year-32183","kji_subject-civil","kji_keyword-acordao","kji_keyword-justica","kji_keyword-processo","kji_keyword-supremo","kji_keyword-tribunal","kji_language-pt"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Ac\u00f3rd\u00e3o Supremo Tribunal de Justi\u00e7a \u2013 Processo 14456\/18.1T8PRT.P3.S1 \u2013 2022-12-15 - Ma\u00eetre Hassan Kohen, avocat en droit p\u00e9nal \u00e0 Paris<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kohenavocats.com\/ru\/jurisprudences\/acordao-supremo-tribunal-de-justica-processo-14456-18-1t8prt-p3-s1-2022-12-15-2\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ac\u00f3rd\u00e3o Supremo Tribunal de Justi\u00e7a \u2013 Processo 14456\/18.1T8PRT.P3.S1 \u2013 2022-12-15\" \/>\n<meta property=\"og:description\" content=\"Relator: VIEIRA E CUNHA. I ? O regime contratual do contrato de seguro vem a emergir, de forma essencial, do clausulado geral e especial acordado no instrumento do seguro que constitui a ap?lice, clausulado que deve ser interpretado com observ?ncia das regras do art.? 236.? n.?s 1 e 2 do CCiv, por remiss?o da norma do art.? 10.? do D-L n?446\/85 de 25\/10. II ? As cl?usulas de exclus?o da responsabilidade devem ser formuladas em termos claros e precisos, permitindo ao segurado conhecer plenamente a extens?o exacta da garantia do seguro e mais devem contribuir para o discernimento do risco, n?o para o eliminar. III - Na d?vida sobre o alcance da cl?usula de exclus?o da responsabilidade da seguradora, deve prevalecer o sentido mais literal, por ser aquele que mais favorece o segurado (cf. art.? 11.? n.?2 do D.-L. n.? 446\/85).\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kohenavocats.com\/ru\/jurisprudences\/acordao-supremo-tribunal-de-justica-processo-14456-18-1t8prt-p3-s1-2022-12-15-2\/\" \/>\n<meta property=\"og:site_name\" content=\"Ma\u00eetre Hassan Kohen, avocat en droit p\u00e9nal \u00e0 Paris\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u041f\u0440\u0438\u043c\u0435\u0440\u043d\u043e\u0435 \u0432\u0440\u0435\u043c\u044f \u0434\u043b\u044f \u0447\u0442\u0435\u043d\u0438\u044f\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 \u043c\u0438\u043d\u0443\u0442\u0430\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/kohenavocats.com\\\/ru\\\/jurisprudences\\\/acordao-supremo-tribunal-de-justica-processo-14456-18-1t8prt-p3-s1-2022-12-15-2\\\/\",\"url\":\"https:\\\/\\\/kohenavocats.com\\\/ru\\\/jurisprudences\\\/acordao-supremo-tribunal-de-justica-processo-14456-18-1t8prt-p3-s1-2022-12-15-2\\\/\",\"name\":\"Ac\u00f3rd\u00e3o Supremo Tribunal de Justi\u00e7a \u2013 Processo 14456\\\/18.1T8PRT.P3.S1 \u2013 2022-12-15 - Ma\u00eetre Hassan Kohen, avocat en droit p\u00e9nal \u00e0 Paris\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/kohenavocats.com\\\/ru\\\/#website\"},\"datePublished\":\"2026-04-22T17:46:20+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/kohenavocats.com\\\/ru\\\/jurisprudences\\\/acordao-supremo-tribunal-de-justica-processo-14456-18-1t8prt-p3-s1-2022-12-15-2\\\/#breadcrumb\"},\"inLanguage\":\"ru-RU\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/kohenavocats.com\\\/ru\\\/jurisprudences\\\/acordao-supremo-tribunal-de-justica-processo-14456-18-1t8prt-p3-s1-2022-12-15-2\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/kohenavocats.com\\\/ru\\\/jurisprudences\\\/acordao-supremo-tribunal-de-justica-processo-14456-18-1t8prt-p3-s1-2022-12-15-2\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/kohenavocats.com\\\/ru\\\/avocats-en-droit-penal-a-paris-conseil-et-defense-strategique\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Jurisprudences\",\"item\":\"https:\\\/\\\/kohenavocats.com\\\/ru\\\/jurisprudences\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Ac\u00f3rd\u00e3o Supremo Tribunal de Justi\u00e7a \u2013 Processo 14456\\\/18.1T8PRT.P3.S1 \u2013 2022-12-15\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/kohenavocats.com\\\/ru\\\/#website\",\"url\":\"https:\\\/\\\/kohenavocats.com\\\/ru\\\/\",\"name\":\"Kohen Avocats\",\"description\":\"Ma\u00eetre Hassan Kohen, avocat p\u00e9naliste \u00e0 Paris, intervient exclusivement en droit p\u00e9nal pour la d\u00e9fense des particuliers, notamment en mati\u00e8re d\u2019accusations de viol. Il assure un accompagnement rigoureux d\u00e8s la garde \u00e0 vue jusqu\u2019\u00e0 la Cour d\u2019assises, veillant au strict respect des garanties proc\u00e9durales.\",\"publisher\":{\"@id\":\"https:\\\/\\\/kohenavocats.com\\\/ru\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/kohenavocats.com\\\/ru\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ru-RU\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/kohenavocats.com\\\/ru\\\/#organization\",\"name\":\"Kohen Avocats\",\"url\":\"https:\\\/\\\/kohenavocats.com\\\/ru\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ru-RU\",\"@id\":\"https:\\\/\\\/kohenavocats.com\\\/ru\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/kohenavocats.com\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/Logo-2-1.webp\",\"contentUrl\":\"https:\\\/\\\/kohenavocats.com\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/Logo-2-1.webp\",\"width\":2114,\"height\":1253,\"caption\":\"Kohen Avocats\"},\"image\":{\"@id\":\"https:\\\/\\\/kohenavocats.com\\\/ru\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Ac\u00f3rd\u00e3o Supremo Tribunal de Justi\u00e7a \u2013 Processo 14456\/18.1T8PRT.P3.S1 \u2013 2022-12-15 - Ma\u00eetre Hassan Kohen, avocat en droit p\u00e9nal \u00e0 Paris","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/kohenavocats.com\/ru\/jurisprudences\/acordao-supremo-tribunal-de-justica-processo-14456-18-1t8prt-p3-s1-2022-12-15-2\/","og_locale":"ru_RU","og_type":"article","og_title":"Ac\u00f3rd\u00e3o Supremo Tribunal de Justi\u00e7a \u2013 Processo 14456\/18.1T8PRT.P3.S1 \u2013 2022-12-15","og_description":"Relator: VIEIRA E CUNHA. I ? O regime contratual do contrato de seguro vem a emergir, de forma essencial, do clausulado geral e especial acordado no instrumento do seguro que constitui a ap?lice, clausulado que deve ser interpretado com observ?ncia das regras do art.? 236.? n.?s 1 e 2 do CCiv, por remiss?o da norma do art.? 10.? do D-L n?446\/85 de 25\/10. II ? As cl?usulas de exclus?o da responsabilidade devem ser formuladas em termos claros e precisos, permitindo ao segurado conhecer plenamente a extens?o exacta da garantia do seguro e mais devem contribuir para o discernimento do risco, n?o para o eliminar. III - Na d?vida sobre o alcance da cl?usula de exclus?o da responsabilidade da seguradora, deve prevalecer o sentido mais literal, por ser aquele que mais favorece o segurado (cf. art.? 11.? n.?2 do D.-L. n.? 446\/85).","og_url":"https:\/\/kohenavocats.com\/ru\/jurisprudences\/acordao-supremo-tribunal-de-justica-processo-14456-18-1t8prt-p3-s1-2022-12-15-2\/","og_site_name":"Ma\u00eetre Hassan Kohen, avocat en droit p\u00e9nal \u00e0 Paris","twitter_card":"summary_large_image","twitter_misc":{"\u041f\u0440\u0438\u043c\u0435\u0440\u043d\u043e\u0435 \u0432\u0440\u0435\u043c\u044f \u0434\u043b\u044f \u0447\u0442\u0435\u043d\u0438\u044f":"1 \u043c\u0438\u043d\u0443\u0442\u0430"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/kohenavocats.com\/ru\/jurisprudences\/acordao-supremo-tribunal-de-justica-processo-14456-18-1t8prt-p3-s1-2022-12-15-2\/","url":"https:\/\/kohenavocats.com\/ru\/jurisprudences\/acordao-supremo-tribunal-de-justica-processo-14456-18-1t8prt-p3-s1-2022-12-15-2\/","name":"Ac\u00f3rd\u00e3o Supremo Tribunal de Justi\u00e7a \u2013 Processo 14456\/18.1T8PRT.P3.S1 \u2013 2022-12-15 - Ma\u00eetre Hassan Kohen, avocat en droit p\u00e9nal \u00e0 Paris","isPartOf":{"@id":"https:\/\/kohenavocats.com\/ru\/#website"},"datePublished":"2026-04-22T17:46:20+00:00","breadcrumb":{"@id":"https:\/\/kohenavocats.com\/ru\/jurisprudences\/acordao-supremo-tribunal-de-justica-processo-14456-18-1t8prt-p3-s1-2022-12-15-2\/#breadcrumb"},"inLanguage":"ru-RU","potentialAction":[{"@type":"ReadAction","target":["https:\/\/kohenavocats.com\/ru\/jurisprudences\/acordao-supremo-tribunal-de-justica-processo-14456-18-1t8prt-p3-s1-2022-12-15-2\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/kohenavocats.com\/ru\/jurisprudences\/acordao-supremo-tribunal-de-justica-processo-14456-18-1t8prt-p3-s1-2022-12-15-2\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/kohenavocats.com\/ru\/avocats-en-droit-penal-a-paris-conseil-et-defense-strategique\/"},{"@type":"ListItem","position":2,"name":"Jurisprudences","item":"https:\/\/kohenavocats.com\/ru\/jurisprudences\/"},{"@type":"ListItem","position":3,"name":"Ac\u00f3rd\u00e3o Supremo Tribunal de Justi\u00e7a \u2013 Processo 14456\/18.1T8PRT.P3.S1 \u2013 2022-12-15"}]},{"@type":"WebSite","@id":"https:\/\/kohenavocats.com\/ru\/#website","url":"https:\/\/kohenavocats.com\/ru\/","name":"Kohen Avocats","description":"Ma\u00eetre Hassan Kohen, avocat p\u00e9naliste \u00e0 Paris, intervient exclusivement en droit p\u00e9nal pour la d\u00e9fense des particuliers, notamment en mati\u00e8re d\u2019accusations de viol. 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