Abstract
Compulsory Third Party Liability Insurance is ranked as one of the most risky kinds of insurance. In the course of introducing the compulsory Third Party Liability Insurance for construction designers and contractors in Lithuania the experience of foreign countries was used for setting the insurance object, the criteria for the insured events and the third party rights for insisting on liability (restitution) for damages. The article analyses the provisions of law of construction and by‐laws regulating compulsory Third Party Liability Insurance for construction designers and contractors as well as the object of the compulsory Third Party Liability Insurance and differences between the compulsory and voluntary Third Party Liability Insurance for construction designers and contractors have been outlined. The evidence and conditions of the insured events within the Third Party Liability Insurance are reviewed and the insured event has been distinguished from a number of other events.
Highlights
Ekonominiu poþiûriu draudimas yra bûtina bet kurios ðalies vidaus vystymosi ir klestëjimo sàlyga, nes jis uþtikrina saugesnæ aplinkà ðalies gyventojams bei investuotojams
Reglamentuojanèiuose privalomàjá civilinës atsakomybës draudimà, numatyta treèiøjø asmenø teisë reikðti tiesioginá reikalavimà dël þalos atlyginimo turëtø bûti suprantama ne tik kaip jø teisë dël rangovo ar statinio projektuotojo padarytos þalos pareikðti ieðkiná teisme, bet ir teisë nesikreipiant á teismà reikalauti, kad draudikas iðmokëtø draudimo iðmokà
Pagal statinio projektuotojo ir rangovo civilinës atsakomybës privalomojo draudimo taisykles draudiminiai ávykiai privalo tenkinti ðiø taisykliø IV dalyje iðvardytas sàlygas, kurias trumpai galima apibûdinti kaip raðytinio reikalavimo pareiðkimà draudëjui per nustatytà terminà; draudiminës apsaugos galiojimà dël þalos, atsiradusios nustatytu laiku ir teritorijoje; þalos atsiradimas sàlygotas draudimo objekte numatytø darbø
Summary
Ekonominiu poþiûriu draudimas yra bûtina bet kurios ðalies vidaus vystymosi ir klestëjimo sàlyga, nes jis uþtikrina saugesnæ aplinkà ðalies gyventojams bei investuotojams. Pirmasis poþymis, atribojantis privalomàjá statinio projektuotojø ir rangovø civilinës atsakomybës draudimà nuo savanoriðkojo, yra valstybës numatyta pareiga sudaryti draudimo sutartá privalomojo draudimo atveju.
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