Subrogation inshuwalansi - ndi chiyani ichi? Mfundo ndondomeko ndi ayambe subrogation

Insurance Subrogation - ndi mwachilungamo zatsopano za malamulo Russian zosiyana, anaitenga ku mchitidwe wachilendo milandu, makamaka English ndi German. Choncho, kufunafuna njira ya ntchito yovomerezeka zokwanira kukhala kutchula chochitika padziko lonse.

njira ya nkani katundu

Subrogation ndi chinenero Latin (subrogation) m'malo. Subrogation inshuwalansi - mwalamulo wolungama kulanda amafuna ufulu Ndipotu, ndi imodzi mwa mitundu ya cession. Kutetezela kwambiri za zinthu zakuthupi wa insurer amapereka malipiro a kumawononga osiyanasiyana, monga enshrined mu maudindo panganoli. Kuthetsa katundu mkangano inshuwalansi akuda (opindula) m'malo kupewa mavuto opweteka kupeza lobadwa.

Komabe, insurer ali ndi ufulu kulipira inshuwalansi indemnity kuti phindu mu kusapezeka kwa umboni chogwirika kuwonongeka anavutika mu mawonekedwe a zosiyanasiyana zikalata, malingaliro katswiri, ndi zina zotero N..

Lingaliro la mgwirizano

Mgwirizano - lamanja la mungachitepo imene munthu woyang'anira chipukutamisozi zinawonongedwa ndi munthu wina, ufulu amafuna kubwerera amayambiranso kwa munthu ameneyo. Mwachitsanzo, ngati kampani zoyendera monga mwini wake wa galimoto wakhala kuchepetsa ndi mavuto ndi wantchito wake, amatha m'munda mwalamulo recoup ndalama zawo, kutanthauza kuti apange mgwirizano.

Zikuchitika, izi zikutanthauza kuti insurer si ankamuona ngati munthu, azilipira choipa, monga sizimawoneka monga nzika ubale azilipira kuwonongeka ndi inshuwalansi malipilo ndi zinthu reparation kwa zomvetsa inshuwaransi amene anatuluka mu njira yobweretsa iye chilungamo chifukwa cha mavuto onse ndi gulu lina. Choncho, ndondomeko mwina umabala obwezeredwa wa zomvetsa inshuwaransi, osati wovulalayo.

Kufanana zodzinenera inshuwalansi

Kungakhale kulakwa kuganizira mawonekedwe subrogation zofuna regressive. Koma mfundo zimenezi ndi zofanana, subrogation ndipo amayambiranso mu inshuwalansi operekedwa ndi zochita pangano ndi mphamvu zokonza malamulo: ndi regressive lamulo lokhazikitsidwa ndi Article 14 Chilamulo pa MTPL ndi subrogation - Article 965 la Civil Code okha ulemu ubale inshuwalansi. Onse matanthauzo - mtundu wa bwino zonena akuwuka kokha pamene pali maudindo ena. Komanso, udindo waukulu adzakhala kutsirizitsa kuphedwa ake, opangidwa ndi gulu lina. Ndi kukwaniritsidwa ndi maziko zikamera zodzinenera izi inshuwalansi.

Subrogation ndipo amayambiranso mu inshuwalansi, kusiyana awo

Mosiyana subrogation mungachitepo makamaka lagona zimagwirira zosankha zake. Ngati subrogation mu inshuwalansi - ndi zosinthika ya kulanda ufulu wa anthu, ndi mgwirizano - izi ndi kudzipereka latsopano. Tikumbukenso kuti kusiyanitsa awo ankhanza osiyana zolimbana, komanso malamulo a zofooka.

Insurance subrogation ukutanthauza anthu onse, ndi zochepa mgwirizano m'malo yopapatiza bwalo la anthu. Komanso, kulanda ndi ufulu wokatenga subrogation malinga ndi lamulo, wokongoza ndi amafunika kuuza insurer mfundo zonse zilipo ndiponso kugonjera zikalata ndi zogwirizana ndi mtima wa insurer amafuna lamanja, anadutsa kwa iye.

Mfundo subrogation

The mfundo za subrogation mu inshuwalansi kupita insurer ndi kulipira malinga ndi mgwirizano, ndi ufulu wokatenga kwa reimbursement kuchuluka kwa imfa wopita munthu udindo kuchititsa kuwonongeka.

Lamulo kuchita zimenezi ikuchitika ndi insurer mu malinga ndi malamulo okhazikitsidwa ndi malamulo m'deralo. Choncho, subrogation mu inshuwalansi - wapadera wa ankachita zachuma, zochokera kusokonekera kwa matenda otere ndi kuwononga chuma zipani nawo mbali imeneyi. Komanso, mtundu wa ntchito ikuchitika ndi mabungwe apadera, wambirimbiri premiums ndi kubereka ubwino inshuwalansi pamene ntchito poyerekezera ndi imfa ya inshuwaransi zokonda chuma. Malinga ndi Art. 965 wa Civil Code, ngati mgwirizano sasamalira zinthu zina, insurer analipira ndalama malipilo, Mpaka pomwe kuuza kuchuluka makamaka chifukwa cha imfa ya munthu chifukwa cha izo.

Kuchuluka kwa imfa pansi subrogation

Kuluza (.. mzera 2 Article 15 la Civil Code) zitanthauzanso:

• Kuchuluka kwa ndalama anakhumudwitsa pa nthawi kapena m'tsogolo kubwezeretsa ufulu wolambira Mulungu.
• Kuchuluka kwa kumawononga enieni, m'kukoma imfa ya kapena kuwononga katundu.
• Kuchuluka kwa phindu anataya, ndiko kuti, sibwenzi kulandira ndalama kuti munthu akavulala walandira zinachitikira kuphwanya, ngati aboma inshuwalansi zolowa zinachitika kudacita.

Choncho, chikhalidwe compensatory wa subrogation amapereka udindo pa ofananira kukula kuwonongeka.

Ndondomeko Kulandila madandaulo

Nthawi zambiri, kampani ya inshuwalansi ndi chipani wolakwa adzatumizidwa imelo muli mndandanda wa nkhani ya Civil Code ndi mavuto a ngozi, ndipo mwachidule zidziwitso malemba za kufunika kubweza ngongole pa ndalama zochepa.

Komabe, potsatira dongosolo la subrogation, m'pofunika kufufuza phukusi wathunthu zolembedwa zonena Pre-mayesero kusamvana wa Kukolanaku, zomwe pazikhalanso zinthu zotsatirazi:

1. Documents liwulo natsimikiza kuchuluka kuwonongeka, ayenera zigwirizana anayendera mchitidwe wa galimoto palokha Kupenda ndi zithunzi ndi kugulitsidwa mpandawo kapena kulipira ngongole ntchito anachita.
2. Documents kutsimikizira mfundo za ngozi lobadwa. Substantiating umboni ndi magalimoto Buku (Fomu 748) ndi chiweruzo kapena zochita za boma kuyendera galimoto.
3. Documents kapena makope awo natsimikiza ponena bwino - kalata ya kulembetsa boma, komanso inshuwalansi galimoto, limafufuza kulipira izo ndi mawu onena za ngozi.

Ngati kampani ya inshuwalansi silingawafike zikalata zonse kulungamitsa lamanja la subrogation, m'pofunika kuthetsa kuti maganizo awo pa ulaliki wa chonena. kalatayi akhoza anatumiza makalata ndi zidziwitso kapena munthu kupereka kwa Mlembi, kulemba chiwerengero cha chikalata lilinkudza.

Drafting Mungawaphunzitsenso makalata

Kuwerenga nkhani kalata kapena ndemanga ndi mozama kwambiri, ndipo ngati n'koyenera, zikhoza analamula kuchokera Autoexpert. Onetsetsani kuti zikalata magalimoto apolisi ankanena kumawononga kwa kukonza, kutsimikizira kugwilizana ndi maola muyezo ikuchitika zomangamanga ntchito kubwezeretsa galimoto.

Ngati kuchuluka kwa chionongeko wolungama mwa kampani ya inshuwalansi kwenikweni analipira ntchito kukonza, ndipo malinga ndi mawerengedwe a kuunikidwa palokha, ndiye kuti akamenyane ndi mawerengedwe zotentha ndi iwo adzakhala lakuti kuti kampani okha Katswiri. Imodzi ndi review kuti akonze inshuwalansi kampani ndi zofunika kutumiza kalata yapamwamba, cholinga chimene chingakhale kuchepetsa kukula zomvetsa kuti kulipidwa, kapena kukonzanso ngongole, yokonza alipire ndandanda. Komanso, kalata zingatithandize kuganizira kuopsa kwa zolinga kuteteza ufulu wawo komanso kulungamitsa pempho reimbursement ndalama ntchito misonkhano m'makhoti.

Ntchito pa kuchira

Chilango cha subrogation nthawi zonse umachitikira ndi mabungwe osiyanasiyana malamulo ndipo kumaphatikizapo osiyanasiyana ntchito:

• Baibulo la deta mbiri ndi kusanthula kuweruza zimenezi inshuwalansi kudziwa buku la ngongole ndi kuthekera kuti apeze chinthucho.
• Kukonzekera zikalata chifukwa kumawononga mwa bwalo, komanso kukonzekera milandu.
• Bungwe ankaimba telefoni, maimelo ndi kuona kunja pa malo okhala anthu zachilengedwe amene ali amangawa. Pankhaniyi, yomwenso pazipita pa kukhazikitsa chilango chisanadze mayesero.
• Chitetezo cha zinthu kasitomala mu khoti, ndipo bailiffs bwalo.
• Collection ndalama.
• Kupereka ukutitsimikizira kuti lobadwa, mwa ziyenera okwanira kuchuluka kwa subrogation motsatira malamulo osati choposa zonena inshuwalansi lapansi.

Subrogation inshuwalansi - ndi mbali yofunika ya ntchito za, mosalekeza ndi ntchito apamwamba kuti limachititsa kuchepetsa ndzidzi wa kudza analipira ndalama. Kwenikweni, ndi kuyamika kampani ya inshuwalansi ali ndi mphamvu kwambiri pa dzuwa la likulu lawo.