He aha mea he regression i loko o ka lapaʻau?

Where i keia la e hoʻohana regression lapaʻau i ka loa? Kaʻina a me ka o Mānoa, subrogatsii (regression) hōʻike, a kākoʻo ma Kanawai Kivila. E like me na kanawai o ka regression ma Insurance - ka insurer'ākau, kuleanaʻaoʻao, hewa o na la poino i ka mea o ka lapaʻau, i alakai aku ai i ka hanana o ka hoʻopaʻa waiwai kekahi hanana.

Ka loa, he pono ole 'āinana apau koi ana i lawe mai ai no ka uku no ka poino , kena ae la ia e like me ke ano o na waiwai: kaʻa' enekinia,;

• noho a kalepa maoli waiwai;
• nā loina a me ko ka hale ona nā mīkini home.

Alakaʻi ma ka helu o nā hihia ma i hana 'ia he regression - lapaʻau o kaa, nā pilikino a me ka kūhelu.

Paukū 76 o ka "Rules CTP" regulates a pau nīnūnē e pili ana i ka 'āinana apau o ka lapaʻau poe. Pehea na mea hana i ka hana? Ma ka hanana o ka ulia ua hookolokolo aku la ia i ka poino kaa, a hoonoho iho la i ke kanaka (a mau kanaka) kuleana no ka poino, kena ae la. Ke insurer compensates ka hoʻopaʻa waiwai kaa mea nāna hoʻonui poho i loko o ka lapaʻau huina.

Eia, o ka poe makemake e compensate i ke kaa ole ke dala, ke waiho i kekahi kuleana ma ka 'aha hoʻokolokolo. Lunakanawai hōʻike manaʻo a pau i hoʻouna 'ia palapala ma na aoao, a me ka ae hooholo ma luna o ka ' āinana apau. He He regression i loko o ka lapaʻau i hana.

Aia he mau koho no ka mea, e uku i ke koi 'ia dala o ka lapaʻau huakai. Ka mua hoʻohuʻu i ka perpetrator mai ka lapaʻau pilikino E pili CASCO. Ma keia hihia, ke koi i loaa i kona insurer, a ia mea kuleana. E kaupalena lapaʻau uku e e oi, a laila, e e loaa hou ai i ke koena o ke dala, mai ka hewa aoao. Inā i lapaʻau aelike ma ka culprit mea i ike, e uku i ke dala a pau i loko o piha.

Ke kuleana e koho i kekahi regression ma ka lapaʻau kupu i loko o ka hihia, e hooiaio i ke ola ana o ka makemake o na la poho, e ola paha ka waiwai o ka hoʻopaʻa waiwai. I ka waihona ipu, he:

• loaa i ka perpetrator i ka manawa o ke poho a me kekahi 'ē aʻe kanakaʻona mau intoxication;
• i ka wa e kaawale aku o ka la o kanaka e hana i kekahi kaa i komo i loko o ka ulia;
• willful abandonment o ka loa ;
• ka hoʻopaʻa waiwai hanana i ka manawa, i ua ole i hoakaka ia ma ka lapaʻau aelike
• ka halihali'ōnaehana kanaka i ua ole i hoʻokomo i kēia i loko o e like me ka lapaʻau like.

hoʻopaʻa waiwai waiwai

Ma hope o ke kaa i ka lua o ka helu o nā hihia ma i hana 'ia he ma regression o ka lapaʻau ka waiwai. Oe ke insure aneane na mea a pau: he keʻena, he hale, he neeaa paha hale kūʻai. Eia hou, i mua-poe kanaka insure pipiʻi ka hoʻoponopono 'ana a me nā mīkini home, mai kaʻano o ka pilikia - mai ke ahi i ka wai.

Iho waiwai lapaʻau e i ka uku, ina i waikahe i ke keʻena ma muli o ai i ka hewa o nā hoalauna, aihue kipa i ka neoneo a mai ka pou kēia wela. A laila, he "headache" o ka lapaʻau anaina e ia i ka poe kuleana no e kauoha ana poho loaʻa, a me ka hoike e kākoʻo i ko lakou hewa. O ka papa, ina ka insurer manao e pahu aku ai ia 'āinana apau koi ana a me ka hoola i kā lākou kālā.