The human life activities resulting damage is in the self or in money, whether doing Profile (responsibility for the act Profile) or Was caused by people who ask for them (responsibility for the actions of another person), or was it due to things under his control (the responsibility for doing things) . And that leads to the responsibility and served discharged compensation . In order to stave off the same risk claim to resort to liability insurance, when achieved risk its claim insured committed to pay this compensation to the person who Determined by contract or law.
However, it should be noted that the insured, in light of this insurance, it does not compensate the damage suffered by third parties, but carried out compensation, which overwhelms the insured because if the risk insured him . This damage and that was the cause of commitment does it compensation, which is the reason for the insurer's commitment to fulfill it, but it is not the direct cause of the latter's commitment to this meeting.
If the basic principle is that the insurance contract from liability which may arise between two terminal Insurer and the Insured, but it may give rise to Relationship to a third person is the beneficiary (injured) When was this contract has been appointed the beneficiary (the requirement for the benefit of others) or that the law had decided him . In these cases becomes an injured (the beneficiary of the insurance) claim directly against the insurer asking him to fulfill the value of his compensation directly without passing owed by the insured His.
If the contract or the law did not authorize the injured direct right before the insured is protected by a case directly . P does not have in the face of the insured only indirect lawsuit Using city rights (responsible for the damage) insured. Ruling in this case enter the amount of insurance in financial disclosure to the insured and make it a positive element There is no guarantee years of the negative side of this disclosure, which enter the amount of compensation which element. This sign of competition among the creditors of the insured, including the injured as a creditor has a value of compensation.
And characterized by liability insurance that the amount of insurance not be selected because it does not know how much adhered to by the insured and exposed him discharged of financial damage as a result of cases that responsibility has been held.
Liability Insurance and multiple images, such as insurance from liability arising from motor vehicle accidents and liability insurance resulting from work-related accidents and liability insurance because of a fire leased and the resulting liability insurance for nuclear power accidents and radioactive materials and liability insurance resulting from construction accidents and construction ...... Etc.
التسميات
Insurance people