09/01/2002

CIVIL COURT, FIRST HALL

MAGRI ALBERT J.

ATLAS INSURANCE AGENCY LTD NOE ET vs CALLUS ANDRE' JOSEPH

N/A

FINAL JUDGEMENT

ATLAS INSURANCE AGENCY LTD NOE ET vs CALLUS ANDRE' JOSEPH - 399/2000/1 - CIVILI, PRIM AWLA, MALTA

DANNI, ARRANGAMENT BEJN KUMPANNIJA ASSIKURAZZJONI U L-ASSIGURAT TAGHHA HUMA RES INTER ALIOS ACTA - VETTURA, HSARAT BEYOND ECONOMICAL REPAIR - VETTURA, TOTAL LOSS

Kull arrangament li seta' kien hemm bejn l-assikurazzjoni u l-assikurat taghha dwar l-ammont ta' kumpens li ghandu jinghata wara incident meta l-vettura tbati hsarat ingenti, huwa "res inter alios acta" ghall-persuna l-ohra involuta fl-incident u bl-ebda mod ma jobbliga lil tali persuna li thallas kull ammont li l-assikurazzjoni joghgobha thallas lill-assikurat taghha.

Il-fatt li vettura tigi dikjarata "total loss" minn assikurazzjoni ma jfissirx li din tkun trid tigi "scrapped". Constructive total loss ifisser biss li l-ispiza rikjesta biex il-vettura tissewwa tkun wahda eccessiva mhuxli ma tissewwiex. Ghalhekk, il-fatt li wara xi zmien il-vettura regghet kienet fit-triq huwa ghal kollox irrilevanti.