where today the most commonly used regression insurance?The process and the nature of subrogation (recourse) are described and justified in the Civil Code.According to the law regress insurance - the insurer, claims the right side, guilty of causing damage to the object of insurance, which led to the loss.
most common recourse actions served to redress such types of property: Automotive Technology;
- residential and commercial properties;
- values and household appliances.
leader in the number of cases in which advances regression - motor insurance, both personal and career.
Article 76 "Rules of insurance" regulates all issues related to the recourse of insurance companies.How it works in practice?In the case of an accident is examined the damaged vehicle and set the person (or persons) responsible for causing the damage.The insurer compensates the insured vehicle owner for losses incurred within the sum insured.
Next company wishing to reimburse the money paid, file a claim in court.The judge reviews all documents submitted by the parties and shall decide whether recourse.This is a regression in the insurance at work.
There are two options of who is required to repay the amount of the insurance company.The first implies that the perpetrator is an insurance policy CASCO.In this case, the insurer claims it received, which it is responsible.Perhaps the limit of insurance payments is exceeded, then the remaining amount shall be recovered from the guilty party.If an insurance contract at the culprit is not present, it pays the full amount.
right to nominate a regression in insurance arises in the case proved the existence of the intent of causing damage to health or property of the insured.Also bases are:
- finding the perpetrator at the time of damage or any other alcoholic intoxication;
- absence of the said person the right to drive a vehicle that is involved in an accident;
- unauthorized abandonment of the scene;
- insured event in a period that is not provided by the insurance contract
- transportation management person who is not admitted to this in accordance with the insurance contract.
insured property
After the second vehicle number of cases in which regression extends insurance is property.You can insure almost everything: an apartment, a house, a warehouse or store.In addition, forward-looking citizens insure expensive repairs and appliances from a variety of trouble - from fire to flood.
Voluntary property insurance will provide compensation if the apartment was flooded due to the fault of neighbors, thieves visited the cottage or from electrical surges burned.Then, a "headache" of the insurance company will search for those responsible for causing damage, and evidence to support their guilt.Of course, if the insurer wants to push them recourse claims and get your money back.
