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Art. 65 Strassenverkehrsgesetz (SVG)
SVG; IV. Titel: Haftpflicht und Versicherung; 2. Abschnitt: Versicherung; Unmittelbarer Anspruch gegen den Versicherer, Einreden
Art. 65 SVG
Der Geschädigte hat im Rahmen der vertraglichen Versicherungsdeckung ein Forderungsrecht unmittelbar gegen den Versicherer.
Einreden aus dem Versicherungsvertrag oder aus dem Versicherungsvertragsgesetz vom 2. April 1908 können dem Geschädigten nicht entgegengehalten werden.
Der Versicherer hat ein Rückgriffsrecht gegen den Versicherungsnehmer oder den Versicherten, soweit er nach dem Versicherungsvertrag oder dem Versicherungsvertragsgesetz zur Ablehnung oder Kürzung seiner Leistung befugt wäre.
Gerichtsentscheide zu dieser Bestimmung (54)
ZKAPP.2001.27 · so (Art. 65 Abs. 1 SVG)
Social Insurer's Subrogated Claim vs. Liability Insurer Regarding Vehicle Co-Ownership Defense
This article is cited in the dispositive to confirm the injured party's direct right of action against the liability insurer.
ZZ.1991.10 · so (Art. 65 Abs. 3 SVG)
Insurer Recourse Against Driver for Gross Negligence in Crosswalk Accident
This provision is part of the legal basis explicitly mentioned in the introductory heading, suggesting it pertains to the substance of the appeal concerning the quantum of the recourse claim.
C/7971/2019 · ge (art. 65 al. 1 LCR)
Manufacturer Liability Overturned in Dump Truck Rollover Appeal; Insurer Liability Confirmed
Cited in the first instance judgment's findings regarding the insurer's liability, which was confirmed in the appeal court's substantive order regarding the insurer's continued liability.
HG220064 · zh (Art. 65 Abs. 1 SVG)
Whiplash Claim Dismissed: No Proven Loss of Income or Corporate Damages
Cited as the legal basis for the injured party's right to claim damages directly from the insurer.
ZVE.2022.33 · ag (Art. 65 Abs. 1 SVG i.V.m. Art. 63 Abs. 1 SVG)
Plaintiff Fails to Prove Causation for Chronic Pain and Depression Post-Accident
Grants the injured party a direct claim against the insurer for compulsory third-party liability insurance for motor vehicles.
BO.2022.40.41.K3 · sg (Art. 65 Abs. 1 SVG)
Traffic Accident Causation Dispute on Household Impairment
Cited in the heading, which summarises the legal basis relevant to the claim, although the final orders relate to appeal procedure and costs due to lack of causality established under this rule.
ZK2 2019 47 · gr (Art. 65 Abs. 1 SVG)
Motorcyclist Collision Liability and Gross Fault Determination
Cited in the reasoning section 3.2 to establish the direct claim right of the injured party against the liability insurer (passive legitimacy).
HC.2019.125 · vd (Art. 65 al. 1 LCR)
Traffic Accident Damages Recalculation for Total Work Incapacity
Cited in the reasoning section, but its application is foundational for the liability principle established in the lower court's decision that this court reviews, although it is not explicitly cited in the final operative orders (I-IX).
37.2019.EKA · vd (art. 65 al. 1 LCR)
Claimant v. Liability Insurer (2002 Accident Damages)
Cited as the basis for the victim's direct action against the liability insurer.
Jug.2016.258 · vd (art. 65 al. 1 LCR)
Claimant v. Insurer (Loss of Earnings Offset by Benefits)
Cited for the right of the injured party to take action directly against the civil liability insurer within the insurance coverage limits.
HG060245 · zh (Art. 65 Abs. 1 i.V.m. Art. 63 Abs. 1 SVG)
Plaintiffs v. Insurance Companies (Motor Vehicle Accidents Damages)
Cited as the basis for the injured party's right of claim directly against the insurer under the mandatory liability insurance.
HC.2016.762 · vd (Art. 65 al. 1 LCR)
Driver and Insurer Liability Upheld in False Signal Accident
Mentioned in the reasoning regarding the direct action against the insurer.
19.2016.PMR · vd (art. 65 al. 1 LCR)
Traffic Accident Sequelae: Loss of Earnings and Earning Capacity Assessment
Applied as the basis for the injured party's direct action against the insurer within the limits of the required insurance coverage.
5.2016.PMR · vd (art. 65 al. 1 LCR)
Comparative Negligence in Moped Accident Involving Impaired Rider and Negligent Driver
This provision was cited in the reasoning regarding the possibility for the injured party to sue the liability insurer directly, supporting the basis of the claim against the defendant.
5.2016.PMR · vd (art. 65 al. 2 LCR)
Comparative Negligence in Moped Accident Involving Impaired Rider and Negligent Driver
This provision was cited in the reasoning regarding the insurability of the injured party's claim against the insurer, supporting the basis of the claim against the defendant.