Subrogation - izo ... Lingaliro la subrogation mu inshuwalansi

Chimodzi mwa zofunika ndi zofunika kwambiri za inshuwalansi otchedwa Institute of subrogation. N'zosadabwitsa kuti ngakhale kuti subrogation - si chinthu chatsopano, kudziwika kwa lamulo la Aroma, masiku ano anthu ambiri Komabe, aliyense akumvetsa ndi angafotokoze zomwenso ake. Pakuti ambiri akhala chinsinsi kumbuyo mangongo asanu ndi awiri. Umbuli ndi zina kusafuna kukhala bwino terminology zofunika, ndi kusasamala banal zingachititse kenako chakuti insurer zimene mgwirizano, amakana reimburse kuwononga katundu wa gulu lachitatu insurer. Komanso milandu zachilendo pamene chifukwa umbuli wawo wa phindu ndi amakakamizidwa kulipira mavuto onse. Choncho, dzipulumutse ku hassles zimenezi, m'pofunika kudziwa ndizosowa inshuwalansi ndi kutha nthawi iliyonse kuteteza ufulu wawo.

Institute of subrogation: kutanthauzira kwa mfundo ndi chikhalidwe malamulo a

Mawu akuti "subrogation" zimayamba ku Roma ndipo amachokera ku Latin. mawu subrogare / subrogatio, kutanthauza "m'malo, kuligonjetsa." Malinga ndi mabuku akale, nkhani iyi ndi bwino ntchito (ie. E. The ndikupeleka, kutanthauza kuti anasamutsidwa wina chipani china ndi ufulu wotilamula ena gulu lina kuchita ntchito zina). Kenako, lingaliro la anaitenga subrogation machitidwe dziko la France, England, Germany, ndi United States ndi mayiko ena. Atate malamulo inshuwalansi amati kukhala England Mansfield, kunena kuti subrogation - chida chimene chimapangitsa izo kukhala zosatheka kuti patsogolo ya inshuwaransi chifukwa malipiro iwiri: koyamba likuvutika insurer, ndipo pambuyo pake - zikomo kwa munthu udindo kuchititsa kuwonongeka kwa katundu.

Mu US, ufulu umenewu wakhala anazindikira kuyambira nthawi ya atsamunda ndi anatanthauza kanthu koposa m'malo phindu la inshuwalansi kampani zochita ndi lachitatu maphwando.

Mu Russian Federation subrogation malamulo ndi Article 965 la Civil Code ndipo Article 281 KTM.

Subrogation - izo ...

Ntchito terminology malamulo, layman ndi ovuta kuwamvetsa akamanena za zodabwitsazi. Chimene icho chiri, zimakhala zosavuta kufotokoza ndi zitsanzo.

Tiyeni tinene inu overslept ndi mochedwa ntchito. Kudumpha bedi, inu atavala, ndinagwira makiyi bedi galimoto ndipo anathamangira kunja kwa nyumba. Akuyendetsa panjira m'mawa ola liwiro mwa mazana a magalimoto, inu ngozi. Mwamwayi, muli CASCO inshuwalansi ndi ndalama zonse kukonzedwa watenga pa kampani ya inshuwalansi. Komabe, bwinobwino ngozi, iwo anapezeka kuti si inu muli ndi wotsutsa, ndi dalaivala wa galimoto chachiwiri nawo nkhaniyi. Komanso, ponena zoona za ngozi ali insurer yake. Pankhaniyi, wanu inshuwalansi kampani kungafune kampani woimira zofuna za wolakwayo kuti reimburse mu zonse ndalama zonse.

Choncho, subrogation - ufulu umene inshuwalansi kampani kungafune munthu amachititsa ngozi, ndi reimbursement ndalama anapalamula mfundo za mgwirizano anapangana ndi kasitomala. Ulamuliro waukulu ndi kuti mwamsanga pamene insurer wakhala anamvera udindo wake contractual kwa inu, kuti ali ndi yovomerezeka ndi wolungamitsidwa ufulu wotilamula ku kampani ya inshuwalansi wolakwa chipani kapena munthu kuchokera ku azilipira zomvetsa onse.

Kodi kuchita ngati ndinu amene ngozi?

Ngati ngozi chikwiyire inu, koma kuwonongeka kwa munthu wina mlandu pang'ono kokha, mudzakhala ndi ntchito kuwonongeka chifukwa galimoto vuto lanu. The insurer a wovulalayo mwina asaphonye mpata wosonyeza lamanja la subrogation ndi achire inu kapena wanu inshuwalansi kampani ndalama zonse anatenga. Ngati galimoto yanu sanali inshuwaransi, izo m'pofunika kuti atithandize a loya.

Zomwe zikusonyeza lamanja la subrogation?

Tayesetsa kumvetsa kuti subrogation amenewa. Mu inshuwalansi, palinso chinthu monga "lamanja la subrogation". Kodi zikutanthauza chiyani? Ufuluwu (subrogation wa insurer a) ukapezeka pokhapokha kampani analipira malipiro inshuwalansi. Nthawi zimenezi pomwe sichoncho. Komanso tisaiwale kuti chiwerengero choposa kuchuluka kwa malipiro a ikuchitika, ndi insurer sangathe amanena. Komabe tiyenera kukumbukira kuti ku kampani ya inshuwalansi likuyendera kukakamiza chokhacho chimene anali wovulalayo (a policyholder) mpaka kuzipangitsa kuwonongeka. Mu mawu ena, amaganizira zoti kuichotsa pa chuma. Mwachitsanzo, ngati zaka galimoto ndi zaka 10, ndipo pa kukonzanso a mbali akale m'malo ndi atsopano, ndiye zikuoneka ngozi anganene malipiro a ndalama pa osachepera ndalama zonse za kukonza, koma pa mtengo wa zida zosinthira, amene sanali kumusamalira ndipo anayenera m'malo chifukwa cha zimene zinachitikazi ngozi. Choncho, insurer, komanso angavutike Umafuna reimbursement basi wa kuwonongeka kwa chuma inshuwaransi.

Kodi chinthu chabwino kuti subrogated ufulu kukhazikitsa subrogation?

Ndithudi, mfundo ya "ufulu wa subrogation" ndi "ufulu wochita subrogation" sali ofanana. Amasiyana mzake komanso mitundu yosiyanasiyana ya inshuwalansi.

chakuti ndondomeko ya kukwaniritsidwa kwa bwino kwa subrogation tichipeza magawo ziwiri zazikulu. Mu gawo loyamba ndi mapazi insurer zikutsatiridwa, amene kenako kuyambitsa zikamera ufulu wake subrogation. Kuchita izi, inshuwalansi kampani kokha ankafunika kupereka mu mgwirizano wa katunduyo kake.

Mu gawo lachiwiri pali kuzindikira yeniyeni ya lamanja la subrogation, umene umachitika pokhapokha kupereka malipiro kwa phindu la. Mpaka nthawi imeneyo, ufulu umenewu uli ndi policyholder lapansi. Choncho ndikofunikira bwino kusiyanitsa chabwino cha subrogation akuwuka kwa kusaina insurer ndi phindu la mgwirizano, lamanja la subrogation kuti kuzindikira kuti pali pambuyo chobwezera cha kuchuluka chonse chipukutamisozi kumawononga.

Subrogation chabwino ndi zochita regressive

Kuwonjezera pa Russian malamulo mfundo subrogation, pali wina ofanana mkati tanthauzo la dongosolo malamulo, lotchedwa lamanja la amafuna regressive anapereka kwa Gawo 14 la Chilamulo pa CTP. Kufanana kwa mfundo ziwirizi ndi motere:

• Choyamba, subrogation - ufulu omwe amagulitsa ndi ntchito yophunzitsa, chomwe kuvala ndi udindo pa yapachiweniweni pa munthu kuchititsa kuwonongeka kwa katundu. The Tinganenenso chimodzimodzi za mungachitepo wa insurer a.
• wovulalayo (ndi inshuwaransi), ndi amene anachititsa zowonongeka ndi chipani azilipira mavuto (a insurer) - Chachiwiri ndi subrogation, ndi mgwirizano kumafuna 3 maphwando.

Komabe, pakati pa subrogation ndi mgwirizano, pali kusiyana umene uli kuti subrogation latsopano udindo pa Kodi osadzuka, ndipo pamene mgwirizano - M'malo mwake.

Kodi pali lamulo la malire a subrogation?

Ndithudi, iye ndi zaka 3, kuyambira pachiyambi penipeni, pamene kuonongeka. Chifukwa umbuli wa chilamulo, anthu ambiri amapezeka mu vuto ndithu komanso womvetsa azilipira kuwonongeka kawiri. Mwachitsanzo, nthawi yomweyo pambuyo ngozi, inu chikwiyire, mukuvomereza ndi chipani anavulala azilipira kuwonongeka kwa iye pa malopo. Pa nthawi yomweyo amafuna polandirira msonkho kulanda ndalama inu simunayambe zinachitika. Komabe ushlomu wolakwiridwayo Zikuoneka pang'ono. Iye amapita ku kampani ya inshuwalansi, samanena kanthu za pangano lanu, ndipo amalandira malipiro inshuwalansi. Mwachibadwa, ndiye, insurer ndi subrogated akundisumira inu. Ngati khoti inu sangabereke chiphaso, khoti akulamulira mokomera inshuwalansi kampani.

Koma si nthawi zonse zinthu mwachilungamo ndi lamulo ndi inshuwalansi akuda okha. Kudziwa zofooka, komabe iwo akhoza kuyesera kuti upeze inu mu chiyembekezo kuti inu ndiribe lingaliro za zaka zitatu ntchito za lamulo. Ndipo kwenikweni, ngati inu simukudziwa za icho, bwalo, m'pamenenso mudzataya.

Amene mitundu ya inshuwalansi tinganene kunena za subrogation?

Poyamba, kuyenera kutsindika kuti ufulu subrogation imapezeka pa maziko a mgwirizanowo inshuwalansi katundu. Pakuti inshuwalansi munthu (moyo, thanzi) sikuli.

Choncho, kupenda nkhani ya subrogation, tisaiwale zotsatirazi mitundu ikuluikulu ya inshuwalansi: mokakamizidwa galimoto TPL inshuwalansi, alumikizana inshuwalansi, DSAGO.

Khalani maso! Mukudziwa maufulu anu ndi musazengereze kumbuyo!