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Kouvolan HO 21.11.1985 1333/85 AI generated

Court dismissed third-party passenger's claim against insurer for damage caused by driver's negligence.

Case Number Kouvolan HO 21.11.1985 1333/85
Court / Authority
Jurisdiction Finland (FI)
Decision Date
Outcome Dismissed
Open official source Machine-readable Markdown (.md)

Legislator summary

AI generated

The court dismissed the insurance company's claim for subrogation against passenger B, who was injured when the vehicle, driven negligently by A, collided with a traffic sign. Although the insurer had paid B for the damage to the sign, B argued he should not be liable for the third party's loss. The court ruled that the insurer's right of recourse against the passenger was barred because the damage resulted from the driver's fault, not the passenger's intentional or negligent act.

Legislator headnote

AI generated

Insurance Act 1906, s. 10; Liability Act 1974, s. 1: An insurer who pays a third party for damage caused by a vehicle may claim recourse from the passenger only if the passenger intentionally or negligently caused the damage; otherwise, the claim is barred if the damage resulted from the driver's fault.

Keywords

AI generated
subrogation rights passenger liability driver negligence insurance recourse third party claim vehicle damage fault attribution

Cited Legislation

AI generated
Insurance Act 1906, s. 10
Liability Act 1974, s. 1
AI generated
ECLI:FI:KKO:2023:58
Supreme Court dismisses insurer's claim against minor for unauthorized vehicle use causing property damage.
kko-precedent_2007_34
Supreme Court allows motor insurance coverage for passenger damages despite driver intoxication and passenger contributory negligence.
kko-precedent_2005_145
Supreme Court allows passenger claims against insurer despite passenger's knowledge of driver's intoxication.
appeal_1980_eastern-finland__686
Court dismisses insurer's claim to reduce compensation due to driver's gross negligence in a train collision.
kko-precedent_1989_94
Supreme Court rules own vehicle damage caused by driver is covered by their own insurance under Finnish Traffic Insurance Act.

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Full text

A ja B olivat ottaneet auton luvatta käyttöönsä ja syyllistyneet moottoriajoneuvon törkeään luvattomaan käyttöönottamiseen. A:n kuljettaessa autoa ja B:n ollessa matkustajana se oli A:n varomattoman ajon seurauksena törmännyt liikennemerkkiin aiheuttaen liikennemerkin vahingoittumisen.

Autossa matkustajana olleen B:n ei ollut näytetty aiheuttaneen tahallisesti tai tuottamuksesta liikennemerkin rikkoutumisesta syntynyttä vahinkoa, jonka vakuutusyhtiö oli tälle kolmannelle korvannut ja josta se oli vaatinut korvausta B:ltä, joten yhtiön vaatimus hylättiin.

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