Countervailing principle of lack of capacity in the insurance people ramifications of the following principles:
1 - The insurer's commitment to meet the amount of insurance mentioned in the insurance policy: it follows that it is not for a believer to refrain from this meet in whole or in part on the grounds that the insured did not suffer damage or that the damage suffered partial damage less than the amount of insurance . Because this amount is not compensation for the damage, but fulfill its obligation to the insured must be fulfilled, whether the right of the insured or damage was not inflicted like it.
2 - Passport multiple insurance policies for insured incident, including one combining deposits mentioned in each document: This meant that every believer is committed,
In case Multiplicity, your amount of insurance coverage blogger in the policyholder . And not, which one will pay a claim the insured or the beneficiary that he committed a stake in the amount that working overtime from the other insured . Because the commitment of all of them independent of the other's commitment may be to the insured or the beneficiary combined deposits . For example, if the security person on his life for the benefit of his children with four insurance companies, that the security of their respective $ (10,000 pounds), in this case may be the beneficiaries of insurance to get (40,000 pounds) .
3 - Passport to combine the amount of insurance and compensation for damage resulting from verification insured incident: lack of compensatory recipe in insurance to people given to the insured or beneficiary access to the amount of insurance - When the incident of the insured - the insurer and claim third parties responsible for the damage resulting from the check incident compensation . For example, if a person insured against injury, and caused another doing harmful in the occurrence of this injury and verify the incident insured them, becomes the insured or beneficiary claim insured fulfill amount insurance blogger in the insurance policy and claim responsible for tort compensation for the damage suffered by the .
Inadmissibility solutions insured replace the insured to refer to others responsible for the verification located insured him [Article (765) civilian ([1])]: consequent do insurance to persons on the principle of lack of capacity compensatory it is not permissible for the believer to replace the insured in claim of others responsible for the verification located insured for compensation for damage suffered by the insured, because that is the prerogative of the latter have no right for its first .
([1]) 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."
Article (948) of the Jordanian Civil Code states that "If payment of the insured - In life insurance - Amount of insurance does not have the right to replace the insured or the beneficiary of his rights before causing the accident insured him or charge him. "
Article (1053) of the UAE Civil Transactions Law on similar text to the Jordanian text.
التسميات
Insurance people