Subrogation - nws ... Lub tswvyim ntawm subrogation nyob rau hauv daim ntawv kho mob

Ib tug ntawm cov tseem ceeb thiab tseem ceeb tshaj plaws hais txog qhov kev tuav pov hwm yog qhov thiaj li hu ua koom haum ntawm subrogation. Kuj ceeb tias, txawm lub fact tias lub subrogation - yog tsis yog ib tug tshiab tshwm sim, lub npe hu rau Roman txoj cai, nyob rau hauv lub neej niaj hnub, txawm li cas los, tsis yog txhua tus to taub thiab yuav piav qhia txog nws essence. Rau feem ntau nws tseem yog ib tug paub tsis meej qab lub xya locks. Ignorance thiab tej zaum unwillingness ua me ntsis txog cov lub cov lus, ib tug banal lam ua yuav ua nws thiaj li mus rau lub fact tias cov tuav pov hwm uas daim ntawv cog lus, tsis kam muab nyiaj rau kev puas tsuaj rau vaj tse ntawm ib tug thib peb tog tuav pov hwm. Ntxiv mus, heev mob qhov twg vim yog lawv cov kev cai lij choj illiteracy ntawm lub txais kev pab yog yuam kom them rau cov kev puas tsuaj tshwm sim los. Yog li ntawd, rau txuag koj tus kheej los ntawm tej hassles, nws yog tsim nyog los paub cov qauv rau kev tuav pov hwm thiab muaj peev xwm mus nyob rau hauv tej teeb meem no los tiv thaiv lawv txoj cai.

Lub koom haum ntawm subrogation: txhais ntawm lub tswvyim thiab kev cai lij choj xwm ntawm

Lub sij hawm "subrogation" xub tshwm sim nyob rau hauv ancient Rome thiab los ntawm lub Latin. lus subrogare / subrogatio, uas txhais tau tias "hloov, replenish." Raws li ancient qhov chaw, cov ntaub ntawv no yog txoj cai ntawm txoj hauj lwm (piv txwv li. E. Tus lw, uas txhais tau tias ib tug neeg sab nrauv hloov mus rau lwm lub txoj cai demand los ntawm ib co neeg sab nraud los ua tau tej yam luag num). Tom qab ntawd, lub tswvyim twb borrowed subrogation teb chaws systems ntawm Fabkis, England, lub teb chaws Yelemees, cov teb chaws As Mes Lis Kas thiab lwm lub teb chaws. Leej Txiv kev tuav pov hwm txoj cai yog pom tias yuav ua tau ib tug Englishman Mansfield, hais tias lub subrogation - ib lub cuab tam uas ua rau nws tsis yooj yim sua rau lub enrichment ntawm lub pov hwm vim ob cov nyiaj them: thawj lub sij hawm nyob rau cov nuj nqis ntawm lub chaw evsaslas, thiab tom qab ntawd - ua tsaug rau tus neeg lub luag hauj lwm rau ua kev puas tsuaj rau vaj tse.

Nyob rau hauv Teb Chaws Asmeskas, txoj cai no tau raug lees paub tias txij li thaum colonial lub sij hawm thiab meant tsis muaj dab tsi ntau tshaj li ib tug kev hloov rau tus txais kev pab ntawm lub tuav pov hwm lub tuam txhab nyob rau hauv cov kev ua tiv thaiv cov neeg sab nraud.

Nyob rau hauv lub Lavxias teb sab Federation subrogation tswj los ntawm tsab xov xwm 965 ntawm lub Civil Code thiab tsab xov xwm 281 KTM.

Subrogation - nws ...

Siv raws li txoj cai terminology, sau yog yooj yim to taub essence ntawm no phenomenon. Yuav ua li cas nws yog, nws yog yooj yim npaum li mus piav qhia txog nrog tej piv txwv.

Wb hais tias koj overslept thiab yog lig rau kev ua hauj lwm. Dhia tawm ntawm lub txaj, koj tau hnav khaub ncaws, tsawv nkaus ib tug bedside lub tsheb lag luam thiab khiav tawm ntawm lub tsev. Maneuvering ntawm txoj kev nyob rau hauv lub yav sawv ntxov maj teev cov pua pua ntawm lwm cov tsheb, koj muaj ib qho kev huam yuaj. Qhov zoo ces, koj muaj CASCO kev tuav pov hwm, thiab tag nrho cov nqi ntawm tus kho tau noj cov kev tuav pov hwm cov tuam txhab. Txawm li cas los, tom qab Ntsuam xyuas cov kev huam yuaj, nws twb pom hais tias nws tsis yog koj yog cov culprit, thiab tus neeg tsav tsheb ntawm lub thib ob lub tsheb muab kev koom tes nyob rau hauv lub qhov teeb meem. Dhau li ntawd, qhov tseeb culprit ntawm qhov kev huam yuaj nws muaj nws tus kheej tuav pov hwm. Nyob rau hauv cov ntaub ntawv no, koj lub tuam txhab yuav tsum tau rau lub tuam txhab uas sawv cev rau kev txaus siab ntawm tus neeg ua txhaum rau nyiaj rau nws nyob rau hauv tag nrho tag nrho cov nqi.

Yog li, subrogation - ib txoj cai rau uas cov kev tuav pov hwm cov tuam txhab yuav tsum tau tus neeg lub luag hauj lwm rau cov kev huam yuaj, lub nyiaj rov qab ntawm cov nuj nqis uas tshwm sim los ntawm cov nqe lus ntawm daim ntawv cog lus xaus nrog tus neeg. Lub ntsiab cai no yog hais tias raws li sai li sai cov tuav pov hwm tau complied nrog nws contractual khi rau koj, nws muaj ib tug tsim nyog thiab tsis txhaum txoj cai demand los ntawm cov kev tuav pov hwm cov tuam txhab ua txhaum tog los yog tus neeg ntawm nws pab kom txawm peem rau tag nrho cov losses.

Yuav ua li cas yog hais tias koj lub luag hauj lwm rau cov kev huam yuaj?

Yog hais tias ib tug kev huam yuaj provoked koj, tab sis qhov kev puas tsuaj rau lwm tus liam tsuas yog cov, koj yuav tau them tsuas yog rau cov kev puas tsuaj uas ua tsheb yog tim koj. Lub chaw them nyiaj ntawm tus neeg tej zaum yuav tsis nco lub sij hawm rau ib ce muaj zog ntawm sab xis ntawm subrogation thiab rov qab los ntawm koj los yog koj lub tuam txhab rau tag nrho cov nqi uas tshwm sim. Yog hais tias koj lub tsheb twb tsis pov hwm, nws yog advisable mus nrhiav kev pab los ntawm ib tug kws lij choj.

Uas implies txoj cai ntawm subrogation?

Peb tau sim kom to taub hais tias xws li subrogation. Nyob rau hauv daim ntawv kho mob, muaj kuj yog xws li ib tug tshaj plaws raws li "txoj cai ntawm subrogation". Ua li cas nws txhais li cas? Qhov no txoj cai (subrogation ntawm lub chaw evsaslas) tshwm sim tsuas yog tom qab lub tuam txhab them tus tuav pov hwm raug mob. Li no taw tes xws li ib tug txoj cai yog li ntawd. Nyob rau hauv tas li ntawd, nws yuav tsum tau muab sau tseg hais tias tus nqi siab tshaj tus nqi ntawm cov kev them nqi nqa tawm, lub chaw evsaslas yuav tsis thov. Tseem yuav tsum nco ntsoov hais tias mus rau kev tuav pov hwm cov tuam txhab mus txoj kev mus demand xwb li cas muaj tau tus neeg (cov policyholder) mus rau lub point ntawm yuav ua rau nws puas tsuaj. Nyob rau hauv lwm yam lus, nws yuav siv sij hawm mus rau hauv tus account coj thiab tsim kua muag ntawm cov cuab yeej. Piv txwv li, yog hais tias tus muaj hnub nyoog ntawm lub tsheb yog 10 xyoo, thiab thaum lub sij hawm kev kho ntawm lub qhov chaw qub twb hloov nrog tshiab, ces tus culprit kev huam yuaj yuav thov nyiaj rau tus nqi ntawm tsawg tshaj li tag nrho cov nqi ntawm kev kho, tiam sis tsuas yog nyob rau tus nqi ntawm spare qhov chaw, uas poob rau hauv disrepair thiab yuav tsum hloov raws li ib tug tshwm sim ntawm qhov teeb meem kev huam yuaj. Yog li, lub tuav pov hwm, raws li zoo raws li tus neeg tej zaum yuav thov nyiaj rov qab xwb nyob rau hauv view ntawm deterioration ntawm lub pov hwm vaj tse.

Yog lub ib yam dab tsi muaj txoj cai yuav tsum tau subrogated rau cov cai ntawm cov subrogation siv?

Tseeb, lub tswvyim ntawm "txoj cai ntawm subrogation" thiab "txoj cai rau ib ce muaj zog subrogation" yog tsis zoo tib yam. Lawv txawv los ntawm txhua lwm yam raws li tau zoo raws li ntau hom ntawm kev tuav pov hwm.

Qhov tseeb hais tias tus txheej txheem ntawm realization ntawm txoj cai rau subrogation muaj ob lub ntsiab theem. Nyob rau hauv thawj theem, lub tuav pov hwm cov kauj ruam yog ua npaum li cas, uas tom qab ua rau cov emergence ntawm nws subrogation cai. Ua li no, lub tuav pov hwm cov tuam txhab no xwb yuav tsum tau mus muab nyob rau hauv daim ntawv cog lus ntawm cov coj yam khoom.

Nyob rau hauv lub thib ob theem muaj ib cov tswv yim realization ntawm txoj cai ntawm subrogation, uas tshwm sim tsuas yog tom qab cov nyiaj them ntawm nyiaj mus rau lub txais kev pab. Kom txog thaum uas lub sij hawm, qhov no txoj cai belongs rau lub policyholder. Yog li ntawd nws yog tsim nyog kom meej meej paub qhov txawv ntawm txoj cai ntawm subrogation sawv los ntawm tus kos npe rau ntawm lub chaw evsaslas thiab cov txais kev pab ntawm daim ntawv cog lus, txoj cai ntawm subrogation mus rau lub realization hais tias muaj yog tsuas yog tom qab them nyiaj ntawm tag nrho cov nyiaj raug mob rau puas tsuaj.

Subrogation txoj cai thiab regressive kev ua

Nyob rau hauv tas li ntawd mus rau lub Lavxias teb sab cai lub tswvyim ntawm subrogation, muaj lwm zoo sib xws nyob rau hauv lub ntsiab lus ntawm cov kev cai lij choj qauv, lub npe hu li txoj cai ntawm regressive yuav tsum muab rau nyob rau hauv tsab xov xwm 14 ntawm kev cai lij choj nyob rau hauv CTP. Cov kev zoo sib thooj ntawm cov ob lub tswv yim yog raws li nram no:

• Firstly, subrogation - ib tug txoj cai hais tias ua hauj lwm pab ib qho kev kawm muaj nuj nqi, uas muaj nyob rau hauv muab rau cov pej xeem lav rau tus neeg ua kev puas tsuaj rau vaj tse. Ib yam yuav hais txog cov recourse ntawm lub chaw evsaslas.
• raug tsim txom (tus insured), ib tug neeg tshwm sim los ntawm kev puas tsuaj thiab cov neeg sab nrauv pab kom txawm peem lub raug mob (lub chaw evsaslas) - Ob txhais thiab subrogation, thiab regression yuav 3 ob tog.

Txawm li cas los, nyob nruab nrab ntawm lub subrogation thiab regression, muaj qhov sib txawv uas yog hais tias lub subrogation tshiab lav tsis tshwm sim, thiab thaum twg lub regression - nyob rau tsis tooj.

Puas muaj ib txoj cai ntawm cov kev txwv rau subrogation?

Ntawm cov hoob kawm, nws yog 3 lub xyoo, pib los ntawm lub heev nyuam, thaum nws twb puas ntsoog. Vim ignorance ntawm txoj cai, muaj coob tus neeg nrhiav tau lawv tus kheej nyob rau hauv ib tug heev rhiab qhov teeb meem thiab pab cov kev puas tsuaj ob zaug. Piv txwv li, tam sim ntawd tom qab qhov kev huam yuaj, koj tau provoked, koj pom zoo nrog rau cov raug mob tog pab kom txawm peem qhov kev puas tsuaj rau nws nyob rau ntawm qhov chaw. Nyob rau tib lub sij hawm yuav tsum tau txais ntawm kev hloov ntawm cov nyiaj uas koj yeej tsis tau tshwm sim. Txawm li cas los ushlomu tsim txom los ntawm qhov no yog nkawd ib tug me ntsis. Nws mus hauv lub tuav pov hwm cov tuam txhab, hais tias tsis muaj dab tsi hais txog koj daim ntawv cog lus, thiab tau txais ib qho kev tuav pov hwm them nqi. Lawm, ces, lub tuav pov hwm yog subrogated suing koj. Yog hais tias lub tsev hais plaub koj yuav tsis tsim ib daim, lub tsev hais plaub yog tus uas kav nyob rau hauv dej siab ntawm tus muaj ntawv kho mob lub tuam txhab.

Tab sis tsis yeej ib txwm ua ncaj thiab cai thiab insurance lawv tus kheej. Knowing cov kev txwv, tsis tau lawv tej zaum yuav sim foob koj rau hauv kev cia siab hais tias koj muaj tsis muaj lub tswv yim hais txog peb-xyoo lub lag luam los ntawm txoj cai. Thiab tiag tiag, Yog hais tias koj tsis tau paub txog nws, lub tsev hais plaub, qhov ntau dua koj yuav poob.

Uas hom kev tuav pov hwm yuav tsum hais tias xa mus rau subrogation?

Chiv, nws yuav tsum tau kev nyaub siab hais tias txoj cai mus subrogation tsuas pom nyob rau hauv lub hauv paus ntawm daim ntawv cog lus ntawm vaj tse mob. Rau tus kheej kev tuav pov hwm (lub neej, kev noj qab nyob) nws tsis yog.

Yog li, Ntsuam xyuas cov kev kawm ntawm subrogation, nws yuav tsum tau muab sau tseg nram qab no lub ntsiab hom mob: yuav tsum lub cev muaj zog TPL kev tuav pov hwm, hull kev tuav pov hwm, DSAGO.

Nco tsev! Paub koj cov cai thiab tsis txhob tos mus tiv thaiv lawv!