Noţiunile de creanţă de asigurări şi creditor de asigurări. Prejudiciile suferite de terţele persoane păgubite constând în penalităţile de întârziere şi cheltuielile de judecată la plata cărora a fost obligat asigurătorul în insolvenţă nu reprezintă creanţe de asigurări

The concepts of insurance claim and insurance creditor. Damages suffered by injured third parties consisting of late payment penalties and legal expenses to which the insolvent insurer was ordered to pay do not constitute insurance claims

Abstract

The Insurance Guarantee Fund aims to protect insurance creditors from the consequences of an insurer's insolvency, this protection being achieved through the payment of insurance claims resulting from optional and mandatory insurance contracts.

An insurance claim represents a claim of an insurance creditor, regardless of when it arose in relation to the date of opening the bankruptcy proceedings, which results from an insurance contract, such claims being the amounts paid to...