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Sodba II Ips 491/2007 ECLI:SI:VSRS:2007:II.IPS.491.2007 AI generated

Insurance contract dispute dismissed; disability assessed at final stabilization within three-year limit per policy terms.

Case Number Sodba II Ips 491/2007
Court / Authority
Jurisdiction Slovenia (SI)
Decision Date
Outcome Dismissed
Open official source Machine-readable Markdown (.md)

Legislator summary

AI generated

The Supreme Court of Slovenia dismissed the revision against a second-instance judgment regarding an insurance contract dispute. The court held that the lower courts correctly applied the policy terms, which mandate assessing disability only after treatment concludes and consequences stabilize, no later than three years post-injury. Consequently, the insurer's payment based on the disability status at that specific time was deemed legally correct, and the plaintiff's claim for a higher amount based on later conditions was rejected.

Legislator headnote

AI generated

Article 14(2) of the General Conditions for Non-Accidental Personal Insurance; Article 100 of the Insurance Contracts Act: Disability level is determined after treatment concludes and consequences stabilize, but no later than three years; subsequent conditions are excluded from the insurance sum calculation.

Keywords

AI generated
insurance contract dispute disability assessment timeline three-year stabilization period non-accidental personal insurance policy terms interpretation revision procedure dismissal insurance sum calculation

Cited Legislation

AI generated
Article 14(2) of the General Conditions for Non-Accidental Personal Insurance
Article 100 of the Insurance Contracts Act
Article 384 of the Code of Civil Procedure
AI generated
VSK sodba I Cp 775/2003
Appeal dismissed; court held taxpayer cannot claim inactivity in tax proceedings if they benefited from exemption.
VSL sodba II Cp 159/2016
Insurance claim dismissed due to failure to prove causal link between bull attack and death by sufficient probability.
VSM Sodba I Cp 298/2021
Appeal allowed; court reversed first instance for misapplication of contract law regarding lab cost allocation.
Sodba II Ips 134/2005
Supreme Court dismisses appeal for vague procedural claim lacking specific details on evidence request timing and method.
VSL sodba III Cp 2419/2015
Minor injured without work capacity denied compensation; court adjusts damages and interest calculations based on contributory negligence.

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Full text

Revizija se zavrne.

[JEDRO]

Sodišči prve in druge stopnje sta pravilno uporabili materialno (pogodbeno) pravo, ko sta določbo drugega odstavka 14. člena Splošnih pogojev za nezgodno zavarovanje oseb razumeli tako, kot se glasi (ker je jasna, tudi ni bilo potrebe po uporabi posebnih razlagalnih pravil - 100. člena ZOR), se pravi, da se stopnja invalidnosti določi po končanem zdravljenju, ko se posledice poškodbe ustalijo, vendar najkasneje po preteku treh let. Stanje, kakršno je bilo po tem časovnem mejniku, se pri izračunavanju višine zavarovalne vsote zato ne upošteva.

[OBRAZLOŽITEV]