عنوان مقاله [English]
Objective: This paper seeks to explain the liability of the insurer against the reasoned driver of accident provided by the Compulsory Insurance Act of 1395. Therefore, the concept, principles and scope of the insurer's responsibility should be examined in these regards.
Findings: The insurer's liability Against the reasoned driver of accident is one of the issues required by law in our insurance law, and our legislator in compulsory motor vehicle insurance Act 1395 has Legalizated it. In this case, the legislator must balance the interests of the insurer and the insured, and therefore less support for the insurance beneficiary in these cases. Therefore, this approach is used to explain the scope of the insurer's responsibility in this regard.
Conclusion: Insurance of liability ofthe reasoned driver of accident was previously optional and was not supported in our law but by the legislator in the Act of 1395, in addition to, making it compulsory, it also stated other terms and conditions of that. The insurer's scope of responsibility in this case is more limited than that in the third-party insurance but also incurs the bodily and physical damage caused by the force majeure. The insurer is responsible for compensation Of The driver at the time of the increase of the Physical damages and end of contract damages, if Occurred at the time of the contract. Payment of damages within the deadline required by the beneficiary And It starts the verdict of the court or the agreement of the parties.
Jel Classification: K12, K49, G22.