مبانی عدم امکان رجوع بیمه‌گذار به بیمه‌گر اتکایی با تأکید بر رویۀ قضایی انگلیس و آمریکا

نوع مقاله : مقاله پژوهشی

نویسنده

استادیار گروه حقوق دانشگاه آزاد اسلامی واحد اصفهان (خوراسگان)

چکیده

     امروزه اشخاص و صاحبان صنعت و به‌ویژه بیمه‌گران به‌منظور تضمین جبران خسارات واردشده، درصدد اخذ پوشش بیمه‌ای هستند. در این زمینه بعضاً دو یه سه شخص با یکدیگر رابطه دارند: بیمه‌گذار و بیمه‌گر و عنداللزوم شخص ثالث ذی‌نفع. در این مجال، بیمه‌گران نیز جهت تضمین خسارات، اقدام به انعقاد قرارداد بیمه با بیمه‌گران دیگر می‌کنند که در اصطلاح به این عملیات، بیمۀ اتکایی یا بیمۀ مجدد گفته می‌شود. با این حال در صورت بروز خسارت بیمه‌گذاران درصدد رجوع نه به بیمه‌گر مستقیم خود، بلکه به بیمه‌گر اتکایی‌‌اند و در این عرصه بعضاً موفق هم بوده‌اند. با این حال در این مقاله دلایل عدم امکان رجوع بیمه‌گذار به بیمه‌گر اتکایی با نگاهی به رویۀ قضایی کشورهای  انگلستان و آمریکا بررسی شده است.

کلیدواژه‌ها


عنوان مقاله [English]

LEGAL PRINCIPLES FOR NON-REFERRING TO REINSURER ON PORT OF THE INSURED IN UNITED STATES AND ENGLAND

نویسنده [English]

  • Hassan Paktinat
Assistant Professor of Law, Islamic Azad University, Isfahan (Khorasgan) Branch
چکیده [English]

Today, individuals and, in particular, insurers are seeking to have insurance coverage to secure compensation. In this regard, there are often two or three people in the relationship: the insurer and the insurer and the third party beneficiaries. Insurers have also entered into insurance contracts to guarantee their losses, which mean the operation, reinsurance or reinsurance. However, in case of insured damages, they are not seeking direct insurers, but rather reinsurers, and in this area they have often been successful. However, what are the reasons for not being able to refer to the insurer to the reinsurer in this case? 

کلیدواژه‌ها [English]

  • Insured
  • insurer
  • Reinsurer
  • Liabilityinsurance
  • Indemnity insurance
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