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I ACa 759/18 AI generated

Insurance subrogation against a third party is allowed when the insured acts as both tortfeasor and victim.

Case Number I ACa 759/18
Court / Authority
Jurisdiction Poland (PL)
Decision Date
Outcome Allowed / Granted
Open official source Machine-readable Markdown (.md)

Legislator summary

AI generated

The court allowed the insurance company's claim for subrogation against the insured, who was also the direct victim of the damage. The insured had paid compensation to the actual victim under a third-party liability policy while simultaneously being the person who caused the prohibited act. The court ruled that the insured's dual role as both tortfeasor and victim does not preclude the application of the subrogation provision in Article 828 of the Civil Code.

Legislator headnote

AI generated

Art. 828 ust. 1 k.c.; When an insured causes damage through a prohibited act but is also the victim of that act, the insurer's right of subrogation against the insured remains valid under Article 828 of the Civil Code.

Keywords

AI generated
subrogation right insurance liability dual role insured prohibited act civil code article 828 third party claim compensation recovery

Cited Legislation

AI generated
Art. 828 ust. 1 k.c.

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Full text

Gdy szkoda wyrządzona jest czynem niedozwolonym, a zakład ubezpieczeń zapłacił odszkodowanie na rzecz poszkodowanego na podstawie umowy ubezpieczenia odpowiedzialności cywilnej, zawartej z osobą trzecią, regres zakładu ubezpieczeń w stosunku do bezpośredniego sprawcy szkody znajduje oparcie w przepisie art. 828 par. 1 kc. Należy bowiem zauważyć, że ubezpieczony występuje w omawianej konfiguracji w dwóch rolach, zarówno odpowiedzialnego za szkodę, jak i poszkodowanego.