The Role of Insurance Companies in Compensation for 2 Day War

According to the Mehr correspondent, during the six -day rape of the Zionist regime to Iran, there were many material damage to ordinary citizens, including the general and partial demolition of residential and non -residential buildings, the damage to property, the fire, the loss of vehicles, the injuries, the disadvantage, and the majority of the martyrs. The question is to what extent will the insurance companies compensate for?

In the same way, Maryam Yeganehzadeh The university lecturer, an official expert on insurance affairs and a member of the National Specialist Committee and the Women's Committee on Lawyers and Judiciary Experts, told Mehr reporter: “Although in the days Post -warMany of the damages have been visited by official judicial experts in various disciplines, but it is necessary to determine what organization and institution will be compensated and whether insurance companies will play a role in compensating for damages. And whether these damages are prosecuted from the legal point of view?

He explored the insurance perspective and said: First, Severity, frequency, possible damages caused by war, incomprehensible damage as much as the high volume of damages exceeds the financial capacity of an insurance company, making the insurance premiums of war covering and overall the high risk of insurance companies.

Yeganehzadeh added: Second; Providing war insurance or inserting war coverage on insurance policies such as fire, car body, freight, engineering and life and accidents, etc. is technically contrary to the insurance law and contradicts the principle of insurance. As stated in Article 2 of the Insurance Act, explicitly stated: damages caused by war, riot or boulevard are not covered by insurance unless it is explicitly mentioned in the insurance policy.

“According to the aforementioned cases, insurance companies were not responsible for compensating for the damages caused by the 6 -day war unless they have provided the war in the insurance policies or their attachment,” the official said.

Yeganehzadeh continued: In the case of war covenants, those affected by the insurance companies can report their damage and insurance companies are also obliged to They are Pay the damages to the ceiling and the obligations set forth in the insurance policies. In such cases, if the contracting companies refuse to pay the damages, they will be legally followed by the judicial authorities. Consultation This is the responsibility of compensating for the damages to the government, and the relevant government agencies play an effective role in compensation.

He said, however, suggested that a committee focused on central insurance and lawyers and experts of the judiciary to comply with the complication. Entering And examine the extent and level of damage and injuries and obligations Companies Insurance to take place as soon as possible to address the issue of insureds so that optimized and useful measures can be taken by interacting with and coordinating central insurance experts and official judicial experts.

“Although it was not necessary in the past to provide extra warfare on insurance policies, the bitter experience of the recent war made people feel the need for such a cover and, following the demand for war insurance, some insurance companies design and provide additional war covers on insurance policies,” the official expert said. It is noteworthy that providing war coverage will not only play an important role in creating people's peace, but it can also play an important role in rebuilding confidence between insurance companies, government agencies and the public and returning to the normal conditions of society.