Damage is the basis of the right of the insured to refer to others in the insurance.. Refer to third parties under the terms of tort

The view was expressed that the nature of this right lies in the damage to the insured of the implementation of the obligation to pay the amount of insurance to the insured because of the wrongful act of third parties, and are referenced to third parties under the terms of tort.

However, this opinion did not reach the goal towards it, because the insurer reimburse the amount of insurance in fulfillment of the commitment arising from the insurance contract, it is considered unacceptable to fulfill the obligation positive kind of damage compensation.