ماهیت و قلمرو حکم مربوط به انتقال اموال بیمه‌گر به صندوق تامین خسارتهای بدنی مقاله

صندوق تامین خسارت های بدنی، بیمه هدف این پزوهش با هدف بررسی ماهیت و قلمرو حکم انتقال اموال بیمه گر به صندوق تامین خسارت های بدنی در صورت جبران خسارت توسط صندوق به قایم مقامی از بیمه گر انجام شده است. روش شناسی روش مورد استفاده توصیفی- تحلیلی با استفاده از ابزار کتابخانه ای می‌باشد. یافته ها تفسیر عبارت مذکور در تبصره یک ماده 22 قانون جدید بیمه اجباری مصوب 1395، مستلزم توجه به اصول و قواعد حقوقی و سایر مقررات موضوعه در باب ورشکستگی و ضوابط حاکم بر موسسات بیمه ای است و صرف تمرکز بر قانون بیمه اجباری خسارات واردشده به شخص ثالث در اثر حوادث ناشی از وسایل نقلیه مصوب 1395 و آیین نامه های مربوطه، تفسیر درستی ارایه نمی دهد. نتیجه گیری با اعتقاد به خروج موضوعی فرض توقف و ورشکستگی، به نظر می رسد، مراد مقنن از تبصره یک ماده 22 قانون جدید بیمه اجباری مصوب 1395، حذف تشریفات «فروش مال توقیف شده» در مرحله اجرای احکام بوده است. همچنین، این نتیجه به دست آمده که برای شمول این تبصره، تعلیق یا لغو پروانه فعالیت شرکت بیمه در رشته بیمه شخص ثالث به همراه ناتوانی آن از پرداخت خسارت به زیان دیدگان، ضروری است و صرف ناتوانی در پرداخت، مسیولیتی برای صندوق ایجاد نمی کند طبقه بندی موضوعی: .G22 ,K19 ,K39

Objective ‌‌In order to counter the harmful consequences of events and events, there are a variety of ways in which the transformation of government concept and the creation of "good government" have led citizens to expect support from them in the event of a disaster, in order to compensate for the accident. accordingly, in order to protect the accidents caused by vehicles and with the purpose of speeding up compensation, in certain cases, the fund provides physical damages, responsibility to pay physical damages. Indeed , one of the most important goals of civil liability is the full compensation . in the event of a harmful event , the damages incurred by the incurred damages will be fully compensated , besides the existence of liability insurance and social protection that has caused civil liability as a mechanism for the distribution of losses . Additional insurance projects are expected to be included in the same category. The innovations of this law are that in case of suspension , the cancellation of the license license , stoppage or issuance of an insurance company decree , this right has been granted to the insurer to act after paying damages to the insurer , who is entitled to act in a lawsuit , " The Court is required to act on the issuance of damages and damages to the fund . "( Note one of Article 22 of the new Compulsory Insurance Law authorized in1395). From the point of view of the note Discussion the Investigating the nature and scope of the order to transfer the insurer's property to the Bodily Injury Insurance Fund in case of compensation by the Fund to the insurer’s Deputy. Methodology The method used in this study is the descriptive-analytical method using library tools. Findings Interpretation of the phrase in Note one of Article 22 of the new Compulsory Insurance Law authorized in1395, requires attention to the principles and rules of law and other regulations on bankruptcy and the rules governing insurance companies and mere focus and attention on the compulsory third party injury insurance law due to vehicle accidents approved in1395 and the relevant regulations do not provide a correct interpretation. from the addition of rules and regulations, it seems that the fund's responsibility to compensate the damages is limited to the texts and cannot be followed by the spirit of laws, regulations or principles and legal theories. However , covering the driver 's treatment cost and the term " damaged " term in article 22 of the new Compulsory Insurance Law authorized in1395, it helps in assuming the suspension or cancellation of the insurance company 's license to pay damages to Lost victims , the judgment of the Central Insurance or the Supreme Council of Insurance , or by the competent court , the fund for the driver 's bodily damages . Accordingly , First, the application of Article 35 is not concerned with the loss of the driver's treatment fees due to the condition of Article 22. Second, the fund is solely responsible for compensating the bodily damages that the driver for the accident has made insurance insurance, but due to suspension, cancellation, stoppage or bankruptcy of the insurer, it is not possible to pay the costs of treatment or loss of money in accidents leading to death or death losses. Thirdly, the driver blamed the accident on purpose. ‌ Conclusion in accordance with regulations in the Compulsory Insurance Law, In some cases ,The Bodily Damages Supply fund are required to pay physical damages to the damage caused by vehicle accidents. by interpreting the word " disadvantage " , referred to in article 22 of the new Compulsory Insurance Law authorized in1395, all persons affected by the suspension or cancellation of the license of the insurance company or the issuance of a moratorium on bankruptcy or bankruptcy. third parties and the driver behind the accident have the right to visit the fund for damages . Note one of Article 22 of the new Compulsory Insurance Law authorized in1395, It stipulates that:" The court is required to act on issuing the decree transferring the property and property of the insurer to the extent of the payments and damages incurred by the fund". There is disagreement about the nature of the fund 's right to transfer property and insurers 'assets to him . It seems that , in accordance with this clause , after seizing insurers' property according to the general terms , it is merely a privilege for the fund to enter into procedures related to the " sale of confiscated properties " in the implementation stage and recovery of damage at a faster rate . In other sense, the fund's demand is only ordinary demands, which after the seizure of the insurer's property according to the general terms, is only due to the removal of paperwork related to the sale of confiscated properties relative to the restitution of the fund. Also , with regard to the texts mentioned in Articles 53 and 60 of the establishment of the Central Insurance Authority of Iran and relate Insurance company and Article 58 of the Department of purification of bankruptcy , the assumption of the stoppage and bankruptcy of the insurance institution is subject to the inclusion of the clause of a matter of 22 exit points . It is suggested That In subsequent amendments to the provision of compulsory insurance law, to match this provision with other statutes, the provision of a reduction in the supervision of the executive court in the case of the suspension and cancellation of the insurance company 's license to the third party insurance and insurance policy. Also, according to legal terms, dues are also included among the property pillars of the individual, the statement of the word property in the expression contained in the clause of a matter of 22 is sufficient and the word of assets should be excluded from this clause.