Subrogation - nayo ... Pfungwa subrogation mu inishuwarenzi

Chimwe chinokosha uye kukosha zvenyaya inishuwarenzi ndiyo inonzi Institute of subrogation. Zvinoshamisa, pasinei nokuti subrogation - haisi kutanga idzva, aizivikanwa mutemo weRoma, evanhu vemazuva ano, Zvisinei, haasi munhu wose anonzwisisa uye anogona kutsanangura ayo chaizvo. Nokuti vakawanda ichingori chakavanzika shure nomwe dzevhudzi. Kusaziva uye dzimwe nguva kusada kuti jairana inokosha mazwi, munhu banal hanya kungaita pakupedzisira ndechokuti insurer nako chibvumirano, vanoramba dzosera kukuvadza pfuma dzebato insurer wechitatu. Uyezve, zvakajairika mazuva zviitiko apo nokuda kwavo kwepamutemo kusadzidza pamusoro munhu anoyamurika anomanikidzwa kubhadhara zvakakanganiswa. Naizvozvo, kuti chizviponesa kubva hassles zvakadai, zvinokosha kuziva zvinokosha inishuwarenzi uye kukwanisa chero mamiriro ezvinhu kudzivirira kodzero dzavo.

Institute of subrogation: kududzirwa pfungwa uye wepamutemo hunhu

Shoko rokuti "subrogation" kutanga akazviratidza muRoma yekare uye rinobva muchiLatin. Mashoko subrogare / subrogatio, izvo zvinoreva "kutsiva, muzadze." Maererano nemagwaro ekare, iyi ndiyo kodzero pabasa (semuna. E. The kutengeserana, izvo zvinoreva kuti rimwe bato anotamisa mumwe kodzero kubva vamwe mubato yechitatu kuita zvimwe mitoro). Gare gare, pfungwa yakatorwa subrogation National mugadziriro France, England, Germany, United States nedzimwe nyika. Baba mutemo inishuwarenzi anoonekwa kuva wokuEngland Mansfield, parakatonga kuti subrogation - chombo kuti haikwani kuti vapfume of insured nokuda kaviri kubhadhara: kekutanga tichiregeredza yacho insurer, uye pashure paizvozvo - nemhaka munhu mutoro kukonzera kukuvara pfuma.

Mune US, kodzero ichi kwave kuchizivikanwa kubva yaitonga nguva uye kwaireva hapana kupfuura chashandiswa sechitsivo nokuda munhu anoyamurika yekambani inishuwarenzi nezviito pamusoro kumapati rechitatu.

Muna Russian Federation subrogation nokudzorwa Article 965 of Civil Code uye Article 281 KTM.

Subrogation - nayo ...

Achishandisa pamutemo mazwi, munhuwo zvake kwakaoma kunzwisisa musimboti chiitiko ichi. Chii, zviri nyore zvikuru kutsanangura mienzaniso yakananga.

Toti overslept uye vanonoka basa. Vachisvetuka kubva pamubhedha, iwe vakazoguma akapfeka, akabata mumwe parutivi pomubhedha motokari makiyi uye vakamhanya kubva pamba. Achifambisa mumugwagwa Mangwanani nenhokwe awa pakati mazana dzimwe motokari, une tsaona. Sezvineiwo, mune Chikomo inishuwarenzi, uye vose mari yokugadzirisa atora pamusoro kambani inishuwarenzi. Zvisinei, pashure ongorora tsaona, zvakanzi vakawana kuti akanga asiri ndimi muparanzvongo uye mutyairi motokari yechipiri muzvirongwa chiitiko. Kunze, chaikonzera yacho tsaona yechokwadi ine yayo insurer. Muchiitiko chino, boka rako inishuwarenzi kungada kambani anomiririra zvinodiwa mutadzi kuti dzosera zvakazara zvose mari.

Saka, subrogation - kodzero iro kambani yacho inishuwarenzi kungada munhu anokonzera tsaona, asi mari kuti mari chakakonzerwa namaneja chibvumirano chesungano yacho pakati nemhosva. The chikuru kuzvitonga kuti paakangoridza insurer akaita zvaidiwa wayo contractual mitoro kwamuri, iye ane pamutemo uye mhosva kodzero kubva kambani inishuwarenzi mhosva bato kana munhu nawo kuripa marwadzo ose.

Zvokuita kana uri basa tsaona?

Kana njodzi makatsamwisa iwe, asi kukuvara mumwe mhosva chete zvishomanana, uchava nemhosva chete kukuvara kunokonzerwa motokari imhosva yako. The insurer rechipfuwo zvimwe usarasikirwe mukana kushandisa kodzero subrogation uye pakurwara iwe kana boka rako inishuwarenzi ose mari chakakonzerwa namaneja. Kana motokari yako haina insured, zvinokurudzirwa kutsvaka rubatsiro gweta.

Zvinoreva kodzero subrogation?

Takaedza kunzwisisa kuti subrogation kwakadaro. In inishuwarenzi, panewo chinhu akadai "kodzero subrogation". Zvinorevei? kodzero iyi (subrogation pamusoro insurer) ichibudira chete pashure kambani akabhadhara inishuwarenzi muripo. Kusvikira panguva iyi kodzero dzakadaro hazvina. Uyezve, zvinofanira kucherechedzwa kuti mari kwazvo chitsama muripo akatakurwa achibudiswa kunze, insurer havagoni vanoti. Vachiri vanofanira kuyeuka kuti kuna kambani inishuwarenzi anoenda kodzero chete chii akanga akuvara (the policyholder) kusvika pakuita izvozvo kukuvara. Mune mamwe manzwi, anofungawo yabvaruka chepfuma. Somuenzaniso, kana makore motokari makore 10, uye panguva gadziridzo vatana zvikamu vakatsiviwa nevatsva, ipapo chaikonzera tsaona angati muripo nokuda mutengo pa isingasviki zvizere mari kugadziridza, asi chete achikanganisa haringakupembedzi zvikamu, izvo yakapararawo uye vaifanira kutsiviwa somugumisiro chiitiko tsaona. Nokudaro, insurer, uyewo akuvara vanogona mari chete tichifunga kuparara insured pfuma.

Ko chinhu kodzero subrogated kuti kodzero subrogation Implementation?

Zvechokwadi, pfungwa yacho "kodzero subrogation" uye "kodzero yokushandisa subrogation" havasi zvakafanana. Vakasiyana mumwe uyewo rakasiyana-siyana inishuwarenzi.

Chokwadi kuti nedanho Kuzadziswa kodzero kuti subrogation ine mumatanho huru mbiri. In yokutanga nguva, insurer matanho vari kutorwa, vakazochinja kutungamirira kuti chidzoke kwake subrogation kodzero. Kuti aite izvi, boka racho inishuwarenzi chete kunodiwa kupa ari chibvumirano pakati runoenzanirana chinhu.

In rechipiri kutotanga pane rinobatsira Kuzadziswa kodzero subrogation, kunoitika chete pashure kuripwa muripo kusvika munhu anoyamurika. Kusvikira panguva iyoyo, kodzero iyi ndowenyika policyholder. Naizvozvo zvakafanira kuti zvakajeka kusiyanisa pakati kodzero subrogation kunobva kusaina pamusoro insurer uye munhu anoyamurika chesungano, kodzero subrogation pakuziva kuti kunongova pashure pamuripo izere huwandu nekuripira kukuvadza.

Subrogation kurudyi uye regressive nezviito

Kuwedzera mitemo Russian pfungwa subrogation, pane imwe yakafanana mukati zvaireva pamutemo mamiriro, rinozivikanwa kodzero regressive zvinodiwa inopiwa nokuti Article 14 Mutemo musi CTP. Kufanana izvi pfungwa mbiri sezvinotevera:

• Chekutanga, subrogation - kodzero kuti anoshumira ane basa rokudzidzisa randinogara pakupfeka yevagari kuita pamusoro munhu achiita kukuvadza pfuma. The chete zvinogona kutaurwa pamusoro mukana wokuzvidzivirira yacho insurer.
• akuvara (the insured), uyo chakairovera uye webato kuripa kukuvadza (the insurer) - Second uye subrogation, uye regression kunosanganisira 3 mapati.

Zvisinei, pakati subrogation uye regression, pane musiyano iri kuti subrogation kuita itsva harimuki, uye kana regression - pamusoro zvinopesana.

Pane murayiro yemararamiro subrogation?

Chokwadi, iye ndiye 3 years, kutangira kubva pakutanga, kana payakarovera. Nokuda kuti kusaziva mutemo, vanhu vakawanda vanozviwana vari zvikuru inonyatsoshanda mamiriro ezvinhu uye kubhadhara kukuvadza kaviri. Somuenzaniso, pakarepo mushure metsaona, iwe wakatsamwisa, uchibvumirana atadzirwa kuripa kukuvadza kwaari pakarepo. Panguva iyoyowo zvinoda okutambirwa kuchinjwa mari haumbofi kwakaitika. Zvisinei ushlomu waitirwa izvi zvinoita zvishoma. Anoenda kambani yacho inishuwarenzi, inoti hapana pamusoro chibvumirano chako, uye anopiwa muripo inishuwarenzi. Saka, kuti insurer iri subrogated kukumbira iwe. Kana dare iwe haugoni chokubudisa risiti, dare anotonga vachifarira kambani yacho inishuwarenzi.

Asi kwete nguva dzose kuita zvakarurama uye pamurairo uye insurers pachavo. Nokuziva zvausingakwanisi, asi vanogona kuedza kunokumbira imi tariro kuti hauna pfungwa pamusoro-gore matatu mashandiro mutemo. Uye chokwadi, kana usingazive nezvazvo, dare, kwakondiko ucharasikirwa.

Ndeipi mhando inishuwarenzi chingataurwa achitaura subrogation?

Pakutanga, zvinofanira kusimbiswa kuti kodzero subrogation anongowanika pahwaro chesungano pakati inishuwarenzi pfuma. Nokuti munhu inishuwarenzi (upenyu, utano) risingabereki ndezvaJehovha.

Saka, kuongorora nyaya subrogation, zvinofanira kucherechedzwa marudzi anotevera chikuru inishuwarenzi: ebasa gwenya TPL inishuwarenzi, inishuwarenzi Hull, DSAGO.

Kusvinurira! Ziva kodzero dzako uye usazeza kuzvitsigira!