Inishuwarenzi sued? pamutemo kubvunza

Ngatimboonai yepamutemo yokuti mamiriro ezvinhu ichi muenzaniso. 25.02.2012, paiva mutsaona yemotokari motokari mbiri: a / m uye ine Mazda / Ford m. Guilty netsaona kwave kuzivikanwa mutyairi ane / m Ford. Muridzi Mazda insured kambani yake motokari Chikomo inishuwarenzi "Rosgosstrakh". Kubvuma mhosva kuna inishuwarenzi, kambani yacho inishuwarenzi akaita muripo musi Chikomo motokari kugadzira Mazda mu uwandu 500 000 rubles. Saka, kubhadhara kukuvadza kuti akatambudzwa "Rosgosstrakh" LLC akatamisa kodzero vanoti nekuripira kukuvadza munhu anokonzera tsaona uye boka racho inishuwarenzi iyo insured yevagari kuita pakati akakuvadza «RESO-Guarantee" pasi mutemo rokubva gwenya TPL inishuwarenzi. Kuisa kutaura kuti insurer muparanzvongo vanoti "Rosgosstrakh" anogamuchira muripo mukati muganhu nokuti rokumanikidzirwa gwenya TPL inishuwarenzi kuita zvakatangwa Federal Mutemo "On Rokumanikidzwa" iri uwandu 120 zviuru rubles. Saka, kukura hauna kuzovazve "Rosgosstrakh" kurasikirwa 380 000, izvo zvinofanira akapora kubva mhosva mubato.

Zvokuita kana iwe wakagamuchira kutaura kubva subrogation kambani inishuwarenzi?

Kuti aite izvi, pakutanga kwezvose, unofanira kutsvaka ezvemutemo vanokwanisa. Kana ukasarudza kuita pamusoro yayo, kazhinji chete nzira - ndiko kuedza kuderedza kukura uwandu zvakaparadzawo. Kuti aite izvi, unofanira uzive pamwe vakabvuma zvinyorwa parutivi insurer, kuongorora kana uwandu basa rinoitwa kukuvara akagamuchira mutsaona yemotokari (kukuvara akanyorwa pamusoro gwaro tsaona uye Act rokurohwa), akatorwa paunoronga pakuverenga kana uwandu muripo (KP zvinoda dzinoitwa pahwaro STOA nhoroondo wadii kufungawo yabvaruka). Kana kukuvara chiitiko akakodzera mashoko, uye pakuverenga zvinotaurwa vaiona TS kupfeka, pakadai zvakafanira kuzoitawo yakazvimirira kuongorora. Pahwaro hweMutemo motokari rokuongorora, gwaro tsaona uye mumwe kwetsvina magwaro ako evaluator achagadzirira mushumo mari pakupora wemotokari kugadziriswa. Mushumo uyu vachashumira souchapupu mudare uye vachava chikonzero mukuderedza mari zvakaparadzawo nedare, kana kugadzwa kuongorora zvokutonga. Kana pre-kutsvaka wakatarwa, kana nyanzvi chichamiswa kusawirirana mhosva kukuvara kukuvara akagamuchira netsaona (chaizvoizvo pakugadzira mumusangano kune kambani yacho inishuwarenzi. Izvi zvinogona kuitika kana munhu achizviti kambani yacho inishuwarenzi tubhokisi inishuwarenzi wandei, ukuwo, regai akatsemura bhiri kupinda yoga nezvinhu basa pachena chimwe nhoroondo), zvinogona rive hwaro kugadzwa kana trasological autotechnical kuongororwa, migumisiro izvo nyanzvi udet risingabatanidzwi kukarukureta vanoverengeka akuvara asina chokuita insured chiitiko. Muchiitiko chino, hazvo zvinoda ezvemutemo. Pasina yakakwana evidentiary hwaro uye zvakakodzera mumatare kururamiswa ezvinhu aya anogona vanoshandawo sepokutangira nokuramba kutaura zvizere.

Panguva imwe cheteyo, izvozvo vanofanira kuteerera mugadziriro ya. 2 Art. 966 of Civil Code maererano iyo "The kukamurwa nguva kuti zvinotaurwa kunobva inishuwarenzi ngozi kuita kuti aite kunobva zvinokuvadza kuupenyu, utano kana pfuma dzimwe vanhu, asi achava makore matatu." In kuvhiringidzika kana vazhinji nyaya, uyewo zvose pre-nomuedzo dzokuvhiya, insurers kazhinji kusuwa wava. Kana kubva panguva yacho tsaona, kuti pakunamata kubva kudare, zvaitora anopfuura 3 years, saka dare zvakafanira kuzivisa yapfuura pakati yacho kukamurwa nguva, izvo rive chikonzero achiramba insurer yacho vanoti zvizere.