An accident, death and documents insurance, and non -binding experience.

A complicated dispute circulated by the Civil Court in Dubai and ruled after the case to consider an insurance company to carry half of material claims that resulted from a run -over accident that led to the death of a person and the payment of a money of 200 thousand dirhams to his family, in addition to compensation for total damage to the car that was found to be carrying two insurance documents. The accident occurred on the first day of the Syrian document issued by the claiming company in the conflict, while there was still an old document issued by the defendant.

The lawsuit included several details, which includes the expert’s report, which ended that the company that has the new “claimant” document must bear the value of the claims, which amounted to about 250 thousand dirhams, but the court did not take the experience report, and ruled that the two companies bearing the value of the claims in light of the validity of the two documents.

In detail, an insurance company has filed a civil lawsuit in which it demanded that another insurance company be paid to pay the amount of 125 thousand and 271 dirhams half the value of the claims of the claimant as a cover for a human loss and damage that resulted from a traffic accident caused by the insured driver.

The claimant company said in a statement that it had issued a comprehensive insurance policy on the car causing the accident, after it transferred its ownership from an Asian person to another, pointing out that the new owner of the vehicle was committed on the first day of the new document, as it suddenly deviated and shocked cones The road continued his way to misery a person who was working on a street maintenance site.

She added that the accident caused the death of Al -Madhoub, and a judgment was issued to condemn the driver of the vehicle that caused and obligated the entire legal blood money for 200 thousand dirhams for the heirs of the victim, pointing out that she adhered to its duty and paid the amount of blood money, and the owner of the vehicle compensated for the amount of 50 thousand and 543 dirhams for the damage he suffered from his car, It became the rule of the total loss, and I got from it a clearance and a state of right to pay the total claims.

The claimant company indicated that the car was the property of another and has a valid insurance policy when it was transferred to the son of the new owner and issued a other insurance policy for him, pointing out that the accident occurred during the coverage of the car with two insurance documents, and then the company must bear the first document to the first document. Claims.

In turn, the defendant company submitted a legal memorandum, which, at the end of which, requested that the lawsuit be accepted to file a non -status.

For its part, the court referred the case to an insurance expert for examination, and the experience report ended until the ownership of the car caused by the accident was transferred from one owner to another, and then the insurance was transferred to it with a document issued by the claiming company, given that the insurance policy issued by the old company. Its “canceled” because of the transfer of ownership to the new owner.

The expert stated that, according to the conditions of the unified document to secure vehicles, the document may be terminated before the end of its validity due to the change of the vehicle’s data or the transfer of its ownership under a certificate issued by the license.

He explained that the insurance applicable to the vehicle at the time of the accident is that issued by the plaintiff, and then the defendant is not obligated to bear any percentage of the value of the losses because the end of the insurance document issued by it, and considered it canceled without merit.

After looking at the requests of the two parties and the expert’s report, the arbitrator ended that it has another different opinion, which is that the item on which the expert relied on to hold responsibility for the plaintiff only came as a passport, and what confirms that is that the defendant company missed the cancellation of the previous insurance policy that it exported to the vehicle, and then it became The car has two insurance documents, which the court requires that the two companies be obligated to bear the value of the claims equally, and the defendant obliged the payment of 125 thousand and 271 dirhams for the plaintiff.