scholarly journals POSTANOWIENIA ZAKAZUJĄCE STRONIE STOSUNKU UBEZPIECZENIA ODPOWIEDZIALNOŚCI CYWILNEJ SAMODZIELNEGO DOKONYWANIA CZYNNOŚCI USTALAJĄCYCH W USTAWODAWSTWACH PAŃSTW CZŁONKOWSKICH UNII EUROPEJSKIEJ

2017 ◽  
Vol 4 (2) ◽  
pp. 163
Author(s):  
Małgorzata Serwach
Keyword(s):  
German Law ◽  
Civil Liability ◽  
Insurance Contract ◽  
The Other ◽  
Liability Insurance ◽  
European Law ◽  
Law System ◽  
Prior Consent ◽  
Insured Person ◽  
Injured Party

PROVISIONS PROHIBITING A PARTY TO A CIVIL LIABILITY INSURANCE CONTRACT FROM PERFORMING DECLARATORY ACTS IN THE LEGISISLATIONS OF THE MEMBER STATESSummaryAt the m om ent of the insurance occurence a stage o f cooperation, in a broad sense, comes into existence between the parties of a civil liability insurance contract. Its aim is not only a defense against a debt but also against fixing it at an excessive level.An insurance agency, which is actually threatened with an obligation to pay damages, imposes additional duties on the other party. The main duties are the following: a ban on fulfilling the injured party’s claims on his own, concluding a settlement or adm itting the claims. The aim of these bans is protection against overhasty decisions and statements of the insured person as well as against the unfairness o f an entity being in collusion with the injured party which may deliberately mislead the insurer in order to get excessive damages. In some instances the insured party may be led by compassion or regret or act under the influence o f strong emotions justified by the circumstances of the accident. Independently of the intentions of the insured, an insurance agency’s liability has an accessorial nature; it is responsible w ithin the same scope as the insured.The topic of this article are the provisions prohibiting the insured from declaratory actions w ithout a prior consent o f the isnsurance agency. Although they are on principle applied in all European law systems, they are not uniform. My analysis regards the solutions of French and German law as well as in the com m on law system; Polish accession to European U nion makes it necssary not only to prom ote our own practice but also to familiarise with the experience of foreign legislations. 

Cláusulas de franquicia o deducible en seguros de responsabilidad civil en el Derecho español: Naturaleza y efectos respecto de terceros perjudicados

2018 ◽  
pp. 101
Author(s):  
Rafael Lara González
Keyword(s):  
Civil Liability ◽  
Third Parties ◽  
Insurance Contract ◽  
Third Party ◽  
Liability Insurance ◽  
Legal Doctrine ◽  
Insurance Contracts ◽  
Spanish Law ◽  
Palabras Clave ◽  
Legal Nature

ResumenPese a su ubicuidad en la práctica contractual, las cláusulas de franquicia han recibido tratamiento incidental en la doctrina. La discusión sobre ellas se ha enfocado en los contratos de seguros de responsabilidad civil, y en la interpretación del artículo 76 de la Ley española de Contrato de Seguro. En este contexto se ha tratado de establecer si el asegurador puede o no oponer la cláusula de franquicia al tercero perjudicado. El presente trabajo analiza la cláusula de franquicia en la obligación principal del asegurador, su naturaleza jurídica, y examina su relación con los terceros perjudicados. La consideración principal a este respecto estará en si nos encontramos ante un seguro obligatorio o ante un seguro voluntario de responsabilidad civil. Palabras clave: Contrato de seguro; Cláusula de franquicia; Terceroperjudicado; Responsabilidad civil.AbstractDespite their ubiquity in contractual praxis, deductible clauses have received only incidental treatment in legal doctrine. Discussion on them has focused on civil liability insurance contracts, and the interpretation of article 76 of the Spanish Law of Insurance Contracts. In this context it has been attempted to establish whether the insurer can invoke the clause to oppose the injured third party's claim. This article examines the deductible clause included in the insurer's main obligation, its legal nature, and its relation to injured third parties. The main consideration in this regard will be whether the insurance contract is of a mandatory or voluntary nature.Keywords: Insurance contract; Deductible clause; Injured third party; Civil liability.

SUBROGATION IN INSURANCE CONTRACT

2018 ◽  
Vol 28 (6) ◽  
pp. 1985-1991
Author(s):  
Tatjana Dimov
Keyword(s):  
Insurance Contract ◽  
Insurance Companies ◽  
Property Insurance ◽  
Insured Person ◽  
Legal Position ◽  
Insured Loss ◽  
Injured Party ◽  
The Right ◽  
Insurance Agreement ◽  
Responsible Person

Subrogation is a legal right characteristically reserved by property insurers. Subrogation occurs in property insurance and in some particular cases of liability insurance. The doctrine of subrogation operates to ensure protection of certain specific principles relevant to the property insurance including the principle of indemnification whereby the compensation received is no more and no less than a full indemnity for the insured loss or damage suffered by the insured due to loss occurrence, the principle of non-cumulation in terms of claims under the same insurance contract and the principle which excludes claiming indemnity from the person who is legally responsible for causing the loss, because otherwise the insurance contract may be an unjustified source of profit for the insured as the insured would get double recovery or paid out twice for the same claim.With the payment of the reimbursement from an insurance agreement on the insurer, all rights that the insured has towards the persons responsible for the damage up to the amount of the paid compensation are transferred. With the subrogation, the insurer takes up the legal position of the insured person and exercises his right to subrogation from the rights of the insured (derivative acquisition of the right), so that the insurer exceeds the claims in scope and amount as the insured had towards the perpetrator.Subrogation is the right of the insurer, it is not his obligation. The insurer is not obliged to use this right to transfer the rights to the responsible person.The notion of subrogation is often associated with the concept of insurance regression. But there is a difference between these two terms: recourse is the right of the insurer to claim the amount of compensation that he has paid to the insured (injured parties) from the harmful person, while subrogation is the transfer of the right (the claim for damages to the responsible person) from the insured to the insurer up to the amount of the compensation paid on the basis of an insurance contract. The right to recourse is a consequence of the existence of subrogation, i.e. transfer of the rights of the insured person to the responsible person, and which is reached by the law itself.Тhe subrogation doctrine also operates to ensure that the defendant or the person who is legally responsible for the loss shall not be absolved of liability under the civil law. Namely, the perpetrator should bear the consequences of his liability for the caused damage, and therefore the legislator of the insurer (as one of the contractual parties in insurance contract) has recognized the right what he has paid the injured party (as the contractual party in the insurance contract called the insured) to calm from the perpetrator.Furthermore, subrogation doctrine operates to ensure profit for the insurance companies whereby the reimbursement funds the claims or sum insured are covered from additionally grow; therefore, this doctrine is of great importance to the insurers.

The Application of the Principle of Risk in Claims Settlement in Voluntary Business Liability Insurance in the Light of Case Law

2019 ◽  
Vol 1 (98) ◽  
pp. 55-67
Author(s):  
Jacek Woronkiewicz
Keyword(s):  
Case Law ◽  
Civil Code ◽  
Insurance Contract ◽  
Liability Insurance ◽  
Specific Character ◽  
Liability Rules ◽  
Property Insurance ◽  
Legal Situation ◽  
Insured Person

This article is an attempt to analyze the insured's liability for damages pursuant to art. 435 of the Civil Code in the context of voluntary business liability insurance. Above all, it is vital to lay down the criteria which decide about the application of the principle of risk while assessing the insured’s liability for damages.The establishment of the principle of the liability of the insured person points out the specific character of the insurance relationship in the business liability insurance contract in relation to the property insurance, as the insurer shall also assesses the legal situation of the insured person, in the light of the victim’s claims.This article explores the application of the principle of risk, according to which the insured entrepreneurs are liable and the criteria for its adoption. Besides, the roles and functions of the insurer and business liability insurance have been discussed in the context of formulating the liability rules of the insured.

THE NEED TO CONCLUDE A CONTRACT ON OBLIGATORY INSURANCE OF THE EMPLOYER'S CIVIL LIABILITY

2021 ◽  
Vol 6 (5) ◽  
pp. 40-47
Author(s):  
Rustam Khursanov ◽  
Keyword(s):  
Occupational Disease ◽  
Civil Liability ◽  
Insurance Contract ◽  
Liability Insurance ◽  
Compensation For Damage

This article deals with the necessary terms of the employer's civil liability insurance contract, the need for the employer to conclude a civil liability insurance contract, the term of the contract, the employee's disability at work, occupational disease or other damage to his life or the civil liability of the employer for compensation for damage to health

The Statutory Duty of Customer Needs and Requirements Assessment in Liability Insurance

2019 ◽  
Vol 2 (99) ◽  
pp. 35-48
Author(s):  
Małgorzata Serwach
Keyword(s):  
Civil Liability ◽  
Insurance Contract ◽  
Third Party ◽  
Liability Insurance ◽  
Customer Needs ◽  
Insurance Cover ◽  
Statutory Duty ◽  
General Rules ◽  
Legal Concepts

The article aims at considering the general rules for the assessment of customer needs and requirements as well as presenting the reasons for the introduction of this obligation and showing the differences between the above-mentioned legal concepts. Furthermore, the author examines the necessity to recognize the customer needs and requirements in the civil liability insurance. She emphasizes that, due to the nature of the civil liability insurance, it is a fundamental need of the liability insurance customer to conclude an insurance contract with the insurance cover as comprehensive as possible. In contrast to other types of insurance, in the case of which the claims settlement or the amount of compensation are also important, in liability insurance customers want to obtain a guarantee that in the event of an injury to a third party they will not be obliged to compensate it personally. This obligation will be ‘taken over’ by the insurer, with whom the liability insurance contract has been signed. It is the policyholder (the insured) and not the injured who is the liability insurance customer, whose needs and requirements are analyzed.

scholarly journals The Issue of Determining the Amount of Insurance Compensation if the Insured Event Accurs under the Developer’s Civil Liability Insurance Contract

2021 ◽  
Vol 16 (2) ◽  
pp. 39-46
Author(s):  
A. A. Goncharova
Keyword(s):  
Civil Liability ◽  
Insurance Contract ◽  
Liability Insurance ◽  
Minimum Amount ◽  
Second Stage ◽  
Shared Equity ◽  
Insured Event ◽  
Insurance Compensation

The author considers different ways for determining the amount of insurance compensation to be paid to the participant of shared-quity construction in case of occurrence of an insured event in the form of recognition of the developer’s insolvency (bankruptcy) or foreclosure of a collateral. The purpose of the paper is to identify approaches to the determination of this amount used by insurers at different stages of implementation of the mechanism of the developer’s civil liability insurance and to analyze these approaches’ legality. The author analyzes actual jurisprudence in cases involving insurers and participants in shared-equity construction. It is established that at the first stage in the legislation there were no rules for determining the amount of insurance compensation in this area, and insurers determined it at their discretion. At the second stage, when the minimum amount of insurance compensation was consolidated in law, insurers faced controversy caused by a mismatch between the amount originally paid by the construction participant under an equity participation agreement and the amount to be paid. The author concludes that, at the second stage, the disagreement concerning the amount of insurance compensation is caused by the insurers’ abuse of right.

Compulsory civil liability insurance, financial security: An integral component of compensation for ship-source oil pollution damage

2021 ◽  
Vol 33 (2) ◽  
pp. 435-441
Author(s):  
Pham Van Tan
Keyword(s):  
Large Scale ◽  
Oil Spills ◽  
Oil Pollution ◽  
Civil Liability ◽  
Economic Loss ◽  
Liability Insurance ◽  
Financial Security ◽  
Pollution Damage ◽  
Significant Harm ◽  
Oil Tankers

Oil pollution damage caused by oil spills at sea generally occurs on a large scale across numerous regions and countries, causing significant harm to marine ecosystems as well as worldwide economic loss. The costs are so severe in many instances that the owner of the ship responsible for the pollution cannot afford to pay compensation to those who have suffered loss. As a consequence, the need to cover oil pollution damages has given rise to compulsory liability insurance, which provides a financial guarantee against the costs of oil spills. Compulsory civil liability insurance has therefore become an indispensable part of the liability regime for owners of oil tankers and bunkers.

Features of civil liability insurance of organizations operating hazardous facilities

2020 ◽  
pp. 32-36
Author(s):  
Oksana Grigorievna Gortsevskaya ◽  
Veronika Alexandrovna Frolova
Keyword(s):  
Civil Liability ◽  
Liability Insurance

Ökologische Aspekte im öffentlich-rechtlichen Beschaffungswesen

2021 ◽  
Author(s):  
Felix Steengrafe
Keyword(s):  
International Law ◽  
Public Procurement ◽  
German Law ◽  
Government Procurement ◽  
Environmental Concerns ◽  
European Law ◽  
Environmental Criteria ◽  
The Government ◽  
Model Law ◽  
The Government Procurement

The awarding of public contracts is of considerable economic importance and for this reason can be used to promote environmental concerns. The present work examines whether environmental criteria may be taken into account in the context of public procurement. To answer this question, the Government Procurement Agreement and the UNICTRAL Model Law on Public Procurement are considered at the level of international law. In European law, the primary as well as the relevant secondary law requirements and, in German law, the Cartel and Budget Procurement Law are assessed. This analysis also includes the interactions between the three levels.

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