Ndechipi regression ari inishuwarenzi?

Apo nhasi vari kushandisa inishuwarenzi regression zvikuru? Process uye Chaizvoizvo subrogatsii (regression) akarondedzera uye isimbiswe muna Civil Code. Maererano nemitemo regression mu Inishuwarenzi - zvakarurama insurer, anoti divi, nemhosva kukonzera kukuvara chinangwa inishuwarenzi, izvo zvakazoita kuti panowanikwa insured chiitiko.

The inonyanya mukana wokuzvidzivirira chinoti vakauya nokuda nekuripira kukuvara kunokonzerwa mhando dzakadai pfuma: Automotive ouinjiniya;

• dzinogarwa uye vezvokutengeserana Real Estate;
• tsika uye neimba midziyo yemagetsi.

Mutungamiri kwenhamba zviitiko apo kufambira mberi regression - inishuwarenzi motokari, zvose somunhu uye mukuru.

Article 76 of "Rules CTP" inodzora nyaya dzose chokuita mukana wokuzvidzivirira makambani inishuwarenzi. Sei zvinhu kushanda tsika? Mune chiitiko petsaona anoongororwa ukama motokari uye akaisa munhu (kana vanhu) anokonzera zvakakanganiswa. The insurer compensates ari insured muridzi wemotokari chakakonzerwa namaneja Nokurasikirwa mukati inishuwarenzi Verengai.

Uyezve, kambani achida kubhadhara mari yacho vasingabhadharwi, ikwidzwe kutaura mudare. Mutongi anodzokorora zvinyorwa zvose pasi parutivi vemapato, uye anofanira kusarudza pamusoro kupiwa mukana wokuzvidzivirira. Iri regression ari inishuwarenzi kubasa.

Pane vaviri zvokusarudza ndiani achaita mari yaidiwa chitsama kambani yacho inishuwarenzi. Wokutanga chinoreva kuti akakuvadza ane inishuwarenzi itsika Chikomo. Panyaya iyi, iyo vanoti vakagamuchira insurer yake, izvo zviri basa. Dai pokugumira kubhadhara inishuwarenzi zvichabviswa kupfuura, ipapo chasara mari inofanira akapora kubva mhosva mubato. Kana imwe inishuwarenzi chibvumirano panguva chaikonzera asipo, inofa yose mari yakakwana.

Kodzero sarudza munhu regression mu inishuwarenzi ichibudira panyaya kuratidza nezvokuvapo chinangwa kukonzera kukuvara utano kana pfuma yacho insured. Uyewo pezvingoro ndiwo:

• kuwana akakuvadza nenguva kukuvara kana zvimwe zvinwiwa kudhaka;
• kusavapo akati munhu kuti ishande motokari kuti zvinobatanidzwa tsaona;
• nemaune Kuramba of kuitika ;
• chiitiko insured panguva iyo havana inopiwa chibvumirano inishuwarenzi
• zvokufambisa kutarisirwa munhu asina akabvuma izvi maererano chibvumirano inishuwarenzi.

insured pfuma

Pashure motokari kuti nhamba yechipiri nyaya umo kufambira mberi mune regression rweinishuwarenzi imari. Unogona inishuwarenzi zvinenge zvose: mufurati, imwe imba, mumwe yokuchengetera kana chitoro. Uyezve, mberi-vagari inishuwarenzi pakugadzira zvinodhura uye midziyo yemagetsi kubva siyana dambudziko - kubva pamoto mafashamo.

pfuma inishuwarenzi rokuzvipira achapa muripo, kana mekamuri akanga nemafashamo nokuda mhosva vavakidzani, mbavha akashanyira koteji kana kubva nemagetsi RINOFAMBIRA kupiswa. Zvadaro, mumwe "kutemwa" kambani yacho inishuwarenzi achava kuwana avo mutoro kukonzera kukuvara, uye uchapupu hunotsigira mhosva yavo. Chokwadi, kana insurer achida kumusundira navo mukana wokuzvidzivirira dzinofunga uye achapora mari yavo.