Prijelaz osiguranikova prava prema odgovornoj osobi na osiguratelja (subrogacija)

master's thesis

• Title (english): Transfer of the Insured's Rights Against the Liable Person on the Insurer (Subrogation)
• Author: Karla Ressler
• Mentor: Jasenko Marin (mentor)
• Committee member: Jasenko Marin (predsjednik povjerenstva)
• Committee member: Nikoleta Radionov Karlović (član povjerenstva)
• Committee member: Iva Savić (član povjerenstva)
• Granter: University of Zagreb; Faculty of Law; (Maritime and General Transport Law); Zagreb
• Defense date and country: 2023-06-01, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Law

Abstract

Do prijelaza osiguranikovih prava prema odgovornoj osobi na osiguratelja (subrogacija) dolazi kod onih osiguranja kod kojih je prevladavajuće odštetno načelo. Ostvarenjem osiguranog slučaja kod odštetnih osiguranja, osiguratelj je dužan isplatiti osigurninu osiguraniku. Međutim, u tom trenutku, na temelju samog zakona, osiguratelj stječe sva prava svojeg osiguranika pa time i pravo postavljanja regresnog zahtjeva prema štetniku u onom opsegu i visini u kojoj je osiguratelj isplatio svome osigurnaiku. Međutim, pravo subrogacije nije sinonim pravu regresa budući da osiguratelj tek prijelazom osiguranikovih prava stječe pravo regresa. Iako u teroji postoje ugovorna subrogacija, u pravu osiguranja ona nije potrebna budući da do prijelaza prava dolazi ex lege, a samim time nije potrebno sklapati ugovor o cesiji. Nadalje, osiguranik ne može zahtjevati naknadu štete od štetnika ako mu je osiguratelj isplatio osiguraninu odnosno nije moguće da za istu štetu osiguranik postavi zahtjev za naknadom štete i da osigiratelj postavi regresni zahtjev prema štetniku. Zastara potraživanja osiguratelja nakon prijelaza prava počinje teći od trenutka kada je osiguranik saznao za štetu i štetnika te da zastarni rok iznosi tri godine budući da se radi o naknadi štete za što se primjenjuje opći zastarni rok.

Abstract (english)

The transfer of the insured's rights towards the responsible person to the insurer (subrogation) occurs in those insurances where the indemnity principle prevails. Upon realization of the insured event in case of indemnity insurance, the insurer is obliged to pay the insurance premium to the insured. However, at that moment, based on the law itself, the insurer acquires all the rights of its insured and thus the right to file a recourse claim against the injured party to the extent and amount in which the insurer paid its insured. However, the right of subrogation is not synonymous with the right of recourse, since the insurer acquires the right of recourse only through the transfer of the insured's rights. Although there is contractual subrogation in terra, it is not necessary in insurance law, since the transfer of rights occurs ex lege, and therefore it is not necessary to enter into an assignment contract. Furthermore, the insured cannot demand compensation from the injured party if the insurer has paid the insurance premium, that is, it is not possible for the insured to file a claim for compensation for the same damage and for the insurer to file a recourse claim against the injured party. The statute of limitations for the insurer's claims after the transfer of rights begins to run from the moment the insured learns about the damage and the victim, and that the statute of limitations is three years, since it is a compensation for damages, for which the general statute of limitations applies.

• Keywords: personalna subrogacija; pravo regresa; cesija; isplata osigurnine; naknada štete; zastara potraživanja
• Keywords (english): personal subrogation; right of recourse; cession; payment of insurance; compensation for damages; limitation of claims
• Language: croatian
• URN:NBN: urn:nbn:hr:199:707005
• Study programme: Title: Law; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: magistar/magistra prava (magistar/magistra prava)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2023-06-12 09:31:22