Insurance from a civil perspective مقاله

خلاصه ماشینی:

It should be assumed that the legislator stated Article 21 as an example, intending that such losses caused by fire, and similar losses caused by other risks in other types of property insurance, are the responsibility of the insurer. The Insurance Law holds the insurer responsible for this loss, and the latter part of Article 15 states: "Expenses incurred by the insured to prevent the expansion of loss, even if they do not result in a successful outcome, shall be the responsibility of the insurer..... In response to this question, it must be said that, in principle, the insurer has no liability towards third parties, and even assuming the insured pays the loss of the aggrieved person, they cannot claim this loss from the insurer under the heading of expense loss—even if the opposite of this assumption occurs, the insurer always has a limited liability, and this action would contradict the latter part of Article 19, which states: "In any case, the maximum liability of the insured shall not exceed the insured amount. (1)-Detailed record of the parliamentary debates dated 7/2/316, No. 782, Session 101, 10th Legislative Period, page 4/980 In any case, if it is assumed that the loss of the insured is equivalent to the value of all the property or less than that, if we still want to consider the insurer liable for the loss of third parties, his liability would exceed this amount; therefore, it must be concluded from the latter part of Article 19 that the insurer is not responsible for such losses.