This combination unit assumes the reason for entitlement to the amount of insurance and access to the amount of compensation, if be if the risk insured him the consequent liability to third parties for compensation, in addition to the insurer's commitment to meet the amount of insurance . For example, if the person on his home security against fire and burn this house because of the sparks flying from the stove from a neighbor's house. In this case, check the insurer's commitment to meet the amount of insurance and achieved Neighbor responsibility for damage caused by fire.
However, it introduced this example - Aforementioned - The insurance provisions of damage Note that it is not permissible for the insured combining obtaining the insurance amount of the insured and the value between the requirement for compensation from the responsible for the harmful act, which resulted in check insured risk it.
However, the insured may, in case of exceeding the value of the damage to the amount of insurance committed believer met him under the contract, demanding responsible for harmful act in order to achieve his get full compensation for the damage caused to him . For example, if the value of the damage (20000 pounds) and the maximum amount of insurance agreed in the contract is (15000 pounds), in this case the insured claim the insured amount of insurance (15000 pounds) and claim responsible for the tort of $ (5000 pounds).
For the believer, who and in the amount of insurance, the right to claim the official compensation in the extent of the value of the meeting, under legal suit solutions [Article (771) civilian ([1])] .
The insurance people it may insured or beneficiary combining the amounts of insurance and compensation, for example, if a person's security for his life for the benefit of his family and then died on impact accident resulting from an act detrimental to others, And to his family in this case the right combination of insurance money from the insured and the amount of Compensation is responsible for tort [Article (765) civilian ([2])] .
([1]) Article (771) Civil law that "solves insured legally including paid compensation for the fire in cases be to the insured before the cause doing in the harm caused by the responsibility of the believer, unless of the latest damage soon or Kinsman to the insured who are living with him in one, or a person to be insured is responsible for his actions. "
([2]) Article (765) as a civilian "life insurance is not for the believer who pay insurance right in to replace the insured or the beneficiary of his rights before causing the accident insured him or responsible for this incident."
التسميات
Insurance