Inshora kai ƙarar? doka shawara

Bari mu dubi cikin doka akai ga wannan halin da ake ciki a matsayin misali. 25.02.2012, akwai wani hadari da ya motoci guda biyu: a / m da wani Mazda / Hyundai m. Guilty na wani hatsari an gane da direba da wani / m Ford. Owner Mazda inshora motarsa CASCO inshora kamfanin "Rosgosstrakh". Amince da shari'ar da inshora, da inshora kamfanin sanya wani biyan bashin a kan CASCO gyaran mota Mazda a cikin adadin 500 000 rubles. Saboda haka, biya diyya ga wanda aka azabtar ya "Rosgosstrakh" LLC canjawa wuri da hakkin ya yi da'awar diyya ga diyya ga mutum alhakin da hadarin da inshora kamfanin da inshora da yakin alhaki na da aikata wannan laifi «RESO-Garanti" a karkashin manufofin da wajibi motor TPL inshora. Sa a da'awar da insurer m da'awar "Rosgosstrakh" na'am da diyya a cikin iyaka ga wajibi motor TPL inshora alhaki ta kafa dokar tarayya "A Tilas" a cikin adadin 120 dubu rubles. Saboda haka, size ba gano "Rosgosstrakh" asarar 380 000, wanda suke zuwa a dawo dasu daga ɓangaren mai laifi.

Abin da ya yi idan ka samu wani da'awar daga kamfanin inshora subrogation?

Don yin wannan, na farko, ya kamata ka nemi m doka shawara. Idan ka shawarta zaka yi aiki a kan da kansa, shi ne yawanci kawai zaɓin da - shi ne a yi kokarin rage girman da adadin azãbar. Don yin wannan, dole ne ka familiarize kanka tare da ƙaddamar da takardun da insurer, don tantance ko adadin aikin yi raunin da samu a wani hadarin mota (lalacewar rubuce a cikin takardar shaidar da hatsari da kuma dokar na dubawa), dauki la'akari lokacin kirga ko adadin biyan bashin (KP bukatar aka sanya a kan tushen da STOA asusun me ya sa ba la'akari da lalacewa da yagewa). Idan lalacewar lamarin dacewa kalamai, da kuma a kirga da'awar dauke TS sa, a irin wannan yanayi wajibi ne a yi amfani ga mai zaman kanta jarrabawa. A kan tushen dokar na abin hawa dubawa, takardar shaidar da hatsari da kuma sauran a ka dashi takardun evaluator zai shirya wani rahoto a kan kudin da dawo da abin hawa gyara. Wannan rahoton zai zama shaida a kotu, kuma za a filaye don rage adadin azãbar ta kotu, ko da nada shari'a jarrabawa. Idan pre-search kimantawa, ko da wani gwani za a kafa savanin zargin lalacewar rauni samu a cikin wannan hadarin (zahiri gyara a cikin bitar zuwa ga inshora kamfanin. Wannan zai iya faruwa idan aka azabtar ikirarin da inshora kamfanin da dama inshora lokuta, bi da bi, kada raba lissafin cikin raba asarar sabis fallashi guda account), shi zai iya zama a matsayin tushen da nada ko trasological autotechnical jarrabawa, sakamakon abin da gwani udet cire daga lissafi da dama raunuka, ba alaka da da inshora taron. A wannan yanayin, dole bukatar doka shawara. A rashin isasshen shaidu-akai da kuma da ta dace da shari'a baratar da wadannan yanayi kuma iya zama a matsayin tushen ga kãfirtarsu da da'awar a cike.

A lokaci guda, ya kamata ma a kula da kayan abinci na para. 2 of Art. 966 na Civil Code bisa ga abin da "The iyakance lokaci domin da'awar tasowa daga inshora hadarin alhaki ga wajibai tasowa daga rauni zuwa rayuwa, kiwon lafiya, ko dukiya daga wasu mutane, za a yi shekara uku." A rikice, a lokacin da wani babban yawan lokuta, kazalika da dukan pre-fitina hanyoyin, insurers sau da yawa miss da akan ranar ƙarshe. Idan daga lokacin da hatsari, to jerawa da wani kara, shi ya ɗauki fiye da shekaru 3, sa'an nan da kotu wajibi ne don bayyana da karewa na iyakance lokaci, wadda za ta zama a matsayin ƙasa ƙi da insurer na da'awar a cike.