108 C 316/12•Insurer’s recourse for leaving the accident scene
108 C 316/12Tribunal de Primeira Instância23 de abr. de 2013Direito civilRejeitado
Extraído pela Omnilex
The plaintiff insurer sought recourse from the defendant insured on the basis that the insured left an accident scene before the accident was recorded. The court held that a breach of the insured’s obligations—and thus a basis for recourse—could be absent where the insured had spoken with the other accident participant in the presence of witnesses and there had been an opportunity to note the insured vehicle’s registration number. The court set aside its default judgment of 15 November 2012, dismissed the claim, and ordered the plaintiff to bear the costs.
VVG Art. 28 paras. 2 and 3; departure from an accident scene before official recording does not, by itself, establish an insurance-policy obligation breach justifying recourse against the insured. The assessment depends on whether the departure frustrated the insurer’s legitimate interest in clarifying the accident and investigating its circumstances. Where the insured had previously spoken with the other participant in the presence of witnesses and the vehicle registration number could have been recorded, the relevant investigative interests may remain sufficiently protected; an obligation breach may therefore be excluded. The criminal-law duty associated with leaving an accident scene under StGB Art. 142 does not automatically determine the insurance-law question. (VVG Art. 117 para. 5.)
Entscheidungsdatum: 2013-04-23
Aktenzeichen: 108 C 316/12
ECLI: ECLI:DE:AGBN:2013:0423.108C316.12.00
Dokumenttyp: Urteil
Spruchkörper: 108. Zivilabteilung
Normen: VVG §§ 28 Abs. 2, 28 Abs. 3, 117 Abs. 5; StGB § 142
Verlässt ein Unfallbeteiligter den Unfallort vor der Unfallaufnahme, hat er sich aber zuvor mit dem Unfallgegner in Gegenwart von Zeugen unterhalten und bestand Gelegenheit, sich das Kennzeichen des Fahrzeugs des Unfallbeteiligten zu notieren, kann eine Obliegenheitsverletzung des unfallbeteiligten Versicherungsnehmers, die einen Regressanspruch der Versicherung gegen ihren Versicherungsnehmer begründen würde, ausscheiden.
Das Versäumnisurteil vom 15.11.2012 wird aufgehoben und die Klage wird abgewiesen.
Die Kosten des Rechtsstreits hat die Klägerin zu tragen.
Das Urteil ist vorläufig vollstreckbar. Die Klägerin kann die Vollstreckung durch die Klägerin durch Sicherheitsleistung in Höhe von 110 % des zu vollstreckenden Betrages abwenden, wenn nicht zuvor der Beklagte Sicherheit in gleicher Höhe geleistet hat.
Whether the defendant breached an insurance obligation by leaving the accident scene before it was recorded, supporting the plaintiff insurer’s recourse claim.
The circumstances described did not establish an obligation breach giving rise to recourse.
The defendant had spoken with the other accident participant in the presence of witnesses, and there was an opportunity to note the defendant’s vehicle registration number.
Whether to set aside the default judgment of 15 November 2012.
The default judgment was set aside.
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