اثر التأمين من المسؤوليه على علاقة المؤمن بالشخص الثالث (المضرور)
Date
2022-08-06
Authors
أفنان يونس يوسف عرجان
Afnan Younis yousef Arjan
Journal Title
Journal ISSN
Volume Title
Publisher
جامعة القدس
Abstract
تناولت الدراسة موضوع مسؤولية شركات التأمين عن تعويض مصابي حوادث الطرق في التشريع الفلسطيني والأردني والمصري، تلك المسؤولية التي لها من الأهمية في الوقت الحاضر، حيث يُعطى كل ذي حقٍ حقه في حالة وقوع حوادث الطرق، حقٌ للمصاب أو المؤمن، وحقٌ للمؤمن له ( شركات التأمين).
حيث تم تقسيم موضوع الدراسة إلى تمهيد وفصلين رئيسيين يبينان المقارنة بين التشريعات التأمينية الثلاثة: الفلسطيني، الأردني والمصري، إضافة إلى شرح التشريعات والتفاصيل والقرارات التأمينية والقضائية ذات العلاقة.
تناولت الباحثة في الفصل الأول مدى مسؤولية شركات التأمين عن تعويض مصابي حوادث الطرق، حيث أنبثق عنه مبحثان رئيسيان وهما: المبحث الأول: أساس المسؤولية ونطاق التغطية التأمينية المبحث الثاني: علاقة شركة التأمين بالمؤمن له والغير.
أما الفصل الثاني فأبرزت الباحثة موضوع آثار التأمين الإلزامي من المسؤولية المدنية الناشئة عن حوادث الطرق، أوضحت الباحثة في المبحث الأول الدفعات المستعجلة التي يفرضها القانون على شركات التأمين لصالح المصاب لحين البت في الدعوى المقامة ضد شركة التأمين أو التي سوف تقام ضدها، فأولاً تم عرض طلب الدفعات المستعجلة، وثانياً تم إبراز عناصر احتساب الدفعات المستعجلة وإخطار الملتزم قانوناً بالدفعات المستعجلة، بالإضافة إلى إجراءات طلب الدفعات المستعجلة وشروط تقديم الطلب ووقف الدفعات وتعديل القرار الصادر بالطلب وتنفيذه.
وقد وضحت الباحثة في المبحث الثاني مقدار تعويض متضرري حوادث الطرق بنوعيه المعنوي والمادي، موضحةً الحد الأقصى لكل نوع منهما وأساس احتسابه وضابط التعويض فيه.
وبعد ذلك تم إضافة الخاتمة التي تضمنت أهم النتائج والتوصيات التي توصلت إليها الباحثة من خلال هذه الدراسة.
الكلمات المفتاحية: مسؤولية، شركات التأمين، التعويض، حوادث الطرق، المتضررين، التشريع، فلسطين.
The Researcher of this study dealt with the issue of the liability of insurance companies for compensating the injured in road accidents in the Palestinian, Jordanian and Egyptian legislation, which is of great importance at the present time. The study has divided into a preface and two main chapters showing the comparison between the three insurance legislations: Palestinian, Jordanian and Egyptian, in addition to an explanation of the relevant legislation, details, and judicial and insurance decisions. In the first chapter, the researcher dealt with the extent of the liability of insurance companies for compensating the injured in road accidents, as two main topics emerged from it: The first topic: the basis of liability and the scope of insurance coverage. The second topic: the relationship of the insurance company with the insured and others. As for the second chapter, the researcher highlighted the issue of the effects of compulsory insurance from civil liability arising from road accidents. In the first section, the researcher clarified the urgent payments imposed by law on insurance companies in favor of the injured until a decision is made in the case against the insurance company or that will be instituted against it, and it indicates to urgent payments. Secondly, the elements of calculating urgent payments and notifying the legally obligated of urgent payments were highlighted, in addition to the procedures for requesting urgent payments, the conditions for submitting the application, stopping payments, and amending and implementing the decision issued in the application. In the second topic, the researcher clarified the amount of compensation for road accident victims, both moral and material, clarifying the maximum limit for each type, the basis for calculating it and the compensation officer in it. After that, a conclusion was added that included the most important results and recommendations that the researcher reached through this study. Keywords: liability, insurance companies, compensation, road accidents, those affected, legislation, Palestine.
The Researcher of this study dealt with the issue of the liability of insurance companies for compensating the injured in road accidents in the Palestinian, Jordanian and Egyptian legislation, which is of great importance at the present time. The study has divided into a preface and two main chapters showing the comparison between the three insurance legislations: Palestinian, Jordanian and Egyptian, in addition to an explanation of the relevant legislation, details, and judicial and insurance decisions. In the first chapter, the researcher dealt with the extent of the liability of insurance companies for compensating the injured in road accidents, as two main topics emerged from it: The first topic: the basis of liability and the scope of insurance coverage. The second topic: the relationship of the insurance company with the insured and others. As for the second chapter, the researcher highlighted the issue of the effects of compulsory insurance from civil liability arising from road accidents. In the first section, the researcher clarified the urgent payments imposed by law on insurance companies in favor of the injured until a decision is made in the case against the insurance company or that will be instituted against it, and it indicates to urgent payments. Secondly, the elements of calculating urgent payments and notifying the legally obligated of urgent payments were highlighted, in addition to the procedures for requesting urgent payments, the conditions for submitting the application, stopping payments, and amending and implementing the decision issued in the application. In the second topic, the researcher clarified the amount of compensation for road accident victims, both moral and material, clarifying the maximum limit for each type, the basis for calculating it and the compensation officer in it. After that, a conclusion was added that included the most important results and recommendations that the researcher reached through this study. Keywords: liability, insurance companies, compensation, road accidents, those affected, legislation, Palestine.