The Saeima has adopted and the President promulgated the following laws: (I) the insurance contract. General provisions article 1. The terms used in the law, the law is applied in the following terms: 1) sum insured — insurance contract sets out the amount of money that insurance against loss or damage insured property values or interests, personal insurance is the insured person's life, health or physical condition and liability insurance-limit of liability;
2) insurable interest — interest will not suffer losses due to an insured risk;
3) — claims the sum insured, its part or other of the claims, the amount or provide services under insurance contract;
4) — with claims of insured risks cēloņsakarīg linked events that occur for the cost of claims under the insurance contract;
5) insurance contract between the insurer and the policyholder, arrangement by which the policyholder undertakes to pay insurance premiums specified in the contract within the time limits and in the form, as well as to meet other contractual obligations, and the insurer shall assume obligations, due to an accident, the cost to the person specified in the contract, the insurance compensation under the insurance contract;
6) the policyholder, the legal or natural person who concludes an insurance contract or other person;
7) insurance object: (a) insurance against loss and) damage, property values or interests, (b)), insurance against civil liability in respect of the person's civil liability insurance of persons, c), a person's life, health or physical condition;
8) insurance application — the insurer specified in the document, which the policyholder shall provide the insurer, to inform them about the insurance object, the facts and circumstances necessary for the insured risk evaluation;
9) insurance policy, the document that certifies the conclusion of the contract of insurance and includes insurance contract provisions and any amendments and additions to the present agreement, the insurer and the policyholder have agreed in the insurance contract;
10) insurance against loss and damage-non insured property is of value or interest and the amount of claims paid is dependent on the insured amount of loss;
11) insurance premium, insurance policy certain payment for insurance;
12) insured — the legal or natural person who is the insured interest and which has concluded the insurance contract: a) insurance against loss and damage insurance policy specified person of expenses claims for loss and damage cases, b) civil liability insurance, insurance policy specified person whose third party liability is insured, the insurance of persons, c) insurance policy specified natural person whose life, health or physical condition of the insurance contract has been concluded;
13) the insured risk, the insurance policy for the insured independent of the will of the event that accession possible future;
14) the insurer for insurance stock company or mutual insurance cooperative society;
15) limits of liability: civil liability insurance payable to a maximum amount of money;
16) civil liability insurance — insurance, when the insured person's civil liability for the Act or omission of the damage caused to a third party;
17) beneficiary: the insurance of the person who claims to be paid under the insurance contract;
18) co-insurance — more insurers agreed to insure the same insurance object one insurance contract;
19) insurance, a person's life, health or physical condition of the insurance;
20) third party liability insurance, person insurance for cost reimbursement.
2. article. The scope of the law (1) this law applies to all insurance contracts, where the law provides otherwise or the parties have agreed on the other, the application of national law in the regulation of their relations.
(2) this Act does not apply to State social insurance as well as reinsurance.
3. article. Procedures for the settlement of disputes (1) insurance contract related disputes be settled by law and other regulations.
(2) Pu sēm agreement, disputes may be settled by arbitration.
Chapter II. Insurance contract is concluded the article 4. Insurance application and the insurer's offer (1) the conclusion of the insurance contract, the insurer is entitled to require from the policyholder the insurance application.
(2) the insurance application does not impose an obligation on the insurer to conclude neither the insurance contract or to enter into commitments to cover the losses suffered by the applicant of insurance nor an insurance applicant to assume any obligations.
(3) If the insurer has 15 days from the date of receipt of the application for insurance is not an insurance written notification to the applicant of the insurance provisions, under which the insurer is willing to enter into an insurance contract, or the insurer has not announced the need to perform a pirmsapdrošināšan check, it is considered that the insurer has refused to conclude a contract of insurance.
(4) if the insurer determines a specific deadline for a response to your offer, it does not have the right to opt out of the offer by the end of the statutory period. If no time limit is specified, the insurer is entitled to take back their offer, if the other party has not notified within 30 days of the acceptance or rejection of the offer.
5. article. The original information about the risks to be insured (1) concluding the insurance contract, the policyholder and the insured is obliged to provide all information requested by the insurer of circumstances which require the insurer to the insured risk and the assessment of the likelihood of occurrence is important, the conclusion of the insurance contract.
(2) the policyholder and the insured is responsible for the truthfulness of the information provided.
(3) If the policyholder or the insured before the conclusion of the insurance contract is not in writing, submit the information requested in writing to the insurer, and the insurer has entered into an insurance contract, it cannot be used to provide factual information as the termination of the insurance contract or amendment (a) it's a cause, except when the information is not submitted with the evil intent or serious negligence.
(4) the policyholder and the insured shall be obliged to notify the insurer about other then some existing insurance contracts relating to the same insurance object.
6. article. General insurance contract and special provisions (1) the insurance contract, the General and special rules must be clear and understandable.
(2) the insurance contract shall specify the place of conclusion of the contract and the date of the contract, the date of entry into force and duration, the news of the insurer, the insured (if it is not the policy holder) and the policy holder, insured risk, insurance, insurance, insurance p r ēmij, the terms of payment and order, beneficiaries, termination provisions, the duties and responsibilities of the parties on non-compliance with the provisions of the Treaty, the dispute settlement procedures.
(3) an insurance contract may also include other conditions which comply with this law and the civil law provided for in the general terms of the deal, as well as the specific provisions of the Treaty concerning the policyholder or the insured's interests.
7. article. The conclusion of the insurance contract and entry into force (1) the insurance contract shall be deemed concluded only when the insurer and insurance for the applicant, in writing, agreed on the terms of the insurance contract.
(2) the insurance contract shall enter into force on the day following that specified in the insurance policy insurance premium payment of all or part of the insurance contract within the time limits and in the form. The insurance contract may provide for different arrangements of its entry into force.
8. article. Evil intent or gross negligence

If the policyholder or the insured's evil intent (1641 of the Civil Code) or gross negligence (civil code, article 1645) has been on the rise for the insurer misled about the circumstances which it must know the insured risk the possibility of joining the insurance contract has been declared void from the moment of its conclusion. The insurance premiums, the insurer shall not be refunded.
9. article. Mild inattention (1) If the policyholder or the insured easy negligence (Civil Code article 1646) has been on the rise for the insurer misled about the circumstances which it must know the insured risk the possibility of joining the insurance contract is in force.
(2) the insurer within 15 days from the date on which it learned of the insured risk, the possibility of the accession of the actual circumstances in writing offer to the policyholder to amend the provisions of the insurance contract. Amendments to the terms of the insurance contract shall enter into force upon the agreement of the parties.
(3) If the policyholder has declined the offer of the insurer to amend the provisions of the insurance contract or 15 days have elapsed from the date of the offer of the insurer, the insurer can unilaterally withdraw from the insurance contract. This right of the insurer can be used within 15 days from the date of receipt of a idījum nor or quotation. In this case, the insurer shall refund to the policyholder the insurance premium which shall be determined by deducting from the part of the insurance premiums paid for insurance contracts (i) zbeigušo period, as well as provable with the conclusion of the insurance contract the insurer related expenses shall not exceed 25 per cent of the insurance premiums.
(4) if the insurer proves that knowing about the insured risk joining the likelihood of actual circumstances, it would not have entered into an insurance contract, the insurer may terminate the contract by sending a notice within 15 days of the date on which it became aware of these circumstances. Insurance in the event of termination of the contract, the insurer shall refund to the policyholder the insurance premium which shall be determined by deducting from the part of the insurance premiums paid for insurance contract, as well as issuing period provable with the insurance contract the insurer noslēgš n u related expenses, which may not exceed 25 percent of the insurance premiums.
(5) if the insurer is terminated the contract of insurance, nor provided to the policyholder, any amendment of the terms of the insurance contract within the time limits provided for by law, the insurance contract shall remain in force and the insurer cannot use a future insured risk probability of actual joining the circumstances prompting the fact as a cessation or modification of the rules ie rent.
(6) If the policyholder has made a slight negligence and insurance case occurs, before the entry into force of the insurance contract termination or amendment of the provisions of the insurance contract, the insurer is obliged to pay insurance claims, the proportion of what is between the insurance premiums and the insurance premiums that the policyholder would have to pay if it had reported an insured risk likelihood of actual accession conditions.
(7) if the insurer proves that it does not in any case have concluded a contract of insurance if the insured had known about the risk the possibility of accession to the actual circumstances which, found to occur as insurance in case the insurance compensation may not exceed the deposit insurance premiums.
(8) If, after the conclusion of the contract of insurance reveals circumstances which could affect the conclusion of the insurance contract and was not known to any of the parties, apply this law, articles 15 and 16.
10. article. The lack of insured interest (1) If, at the time of entry into force of the insurance contract, the insured interest does not exist, the insurance agreement shall be effective from the moment of its conclusion.
(2) If an insurance contract without an insurable interest to the policyholder's bad or serious negligence, the policyholder and the insurer insurance premiums not reimbursed.
(3) in other cases, the insurer shall refund to the policyholder the insurance premium which shall be determined by deducting from the part of the insurance premiums paid for insurance contract, as well as issuing period provable with the conclusion of the insurance contract the insurer related expenses shall not exceed 25 per cent of the insurance premiums.
(4) If insurable interest ceases to exist for the duration of the insurance contract, the insurance agreement shall be effective from the date when he ceased to exist insurable interest. On the insurable interests of the policyholder shall notify the insurer in writing. The insurer (a) tmaks the policyholder premiums, which shall be determined by deducting from the part of the insurance premiums paid for insurance contract, as well as issuing period provable with the conclusion of the insurance contract related expenses ošinātāj APDU r, which must not exceed 25 percent of the insurance premiums.
(5) If, after the insurance case, the insurable interest does not exist, the insurer shall refund to the policyholder the insurance premium which shall be determined by deducting from the part of the insurance premiums paid for insurance contract, as well as issuing period provable with the conclusion of the insurance contract the insurer related expenditure may not exceed 25 percent of the insurance p r ēmij.
11. article. Insured risk joining the impossibility (1) If, at the time of entry into force of the insurance contract, the insured risk, the likelihood of entry does not exist, or if the insured risk occurs, the insurance agreement shall be effective from the moment of its conclusion.
(2) If the first paragraph of this article in cases where the policyholder is an insurance contract with switch bad or the conclusion of insurance contracts, has made a gross negligence, the insurer will reimburse the policyholder and the insurance premium.
(3) in other cases, the insurer shall refund to the policyholder the insurance premium which shall be determined by deducting from the paid insurance premiums with provable conclusion of the insurance contract the insurer related expenses shall not exceed 25 per cent of the insurance premiums.
(4) if the insured risk, the likelihood of occurrence, ceased to exist for the duration of the insurance contract, the insurance agreement shall be effective from the date of the insured risk, the likelihood of occurrence, ceased to exist. The insurer shall refund to the policyholder the insurance premium which shall be determined by deducting from the part of the insurance premiums paid for insurance contract, as well as issuing period with a provable p secured agreement related to the insurer's expenses must not exceed 25 percent of the insurance premiums.
12. article. Exceptions are (1) the insurer is not responsible for damage incurred during the war, the mass unrest, the radioactive poisoning, radioactive pollution, natural disasters and other similar cases specified in the insurance policy, if the insurance contract provides otherwise.
(2) it is not insured against loss resulting from wear, depreciation or other similar proceedings.
(3) insurance contracts of insurance of a Contracting Party may provide for other exceptional cases for which the insurers for losses not covered by.
(4) the insurer is obliged to prove any conditions that it be exempted from the obligations referred to in the insurance contract execution in exceptional cases.
13. article. Insurance policy (1) the policy shall cover general and special provisions.
(2) insurance policy, as well as the amendments shall sign the insurer and the policyholder, or the two parties ' authorized persons.
Chapter III. Insured risk accession to probability and shrinking article 14. Changes to the original information (1) the insured or the policyholder the insurance for the duration of the contract, except for the person's life and health insurance cases, according to article 5 of this law is an obligation laid down in writing notify the insurer of all circumstances known to it, which can significantly increase the insured risk (a) the possibility of accession or potential losses.
(2) Before the conclusion of the insurance contract and its duration, the insurer shall have the right to insurance in accordance with the procedure laid down in the contract, the insured object, check to make sure there are no changes to the original information.

15. article. The insured risk, the likelihood of accession (1) the insurer amend the provisions of the insurance contract or switch insurance contract if the insured risk, the likelihood of occurrence or possible loss size is significantly reduced, and if their request in writing to the insured or the policyholder.
(2) If insurance Contracting Parties of the new provisions of the insurance contract cannot agree within 15 days from the date of the insured's or policyholder's written request for the amendment of the provisions of the insurance contract the insured risk due to the possibility of accession, the policyholder may terminate the contract of insurance. In this case n ātāj insurance shall refund to the policyholder the insurance premium which shall be determined by deducting from the part of the insurance premiums paid for insurance contract expiring in the period until the termination of the insurance contract, as well as in m os proved with the conclusion of the insurance contract the insurer related expenses shall not exceed 25 per cent of the insurance premiums.
16. article. Insured risk increasing the likelihood of accession (1) if the insured risk, the likelihood of occurrence has increased the insurance for the duration of the contract and the insurer can prove that knowing about this increase in the insurance contract should switch to other provisions, the insurer of insurance other than life and health insurance (a) 's case, within 15 days from the date on which it learned of the insured risk, the likelihood of accession can offer in writing to the policyholder to make changes to the terms of the insurance contract and specify the date of their entry into force.
(2) if the insured risk, the likelihood of occurrence has increased the insurance for the duration of the contract and the insurer can prove that knowing about this increase in the insurance contract, the insurer should not switch, except for life and health insurance o šināšan, may terminate the insurance contract by giving notice in writing thereof to the policyholder. In this case, the insurer shall refund to the policyholder the insurance premium which shall be determined by deducting from the paid insurance p r ēmij part of the insurance contract, as well as issuing period provable with the conclusion of the insurance contract the insurer related expenses shall not exceed 25 per cent of the insurance premiums.
(3) If the policyholder has been rejected by the insurer in writing proposed rules of insurance contract amendments or the insurer offers a 15-day period and the offer is not accepted, the insurer may terminate the contract of insurance. This right can i se the insurer within 15 days from the date of receipt of the rejection or offer expiration date. In this case, the insurer shall refund to the policyholder the insurance premium part that is determined by deducting from the paid insurance premiums for part p a r insurance contract, as well as issuing period provable with the conclusion of the insurance contract the insurer related expenses shall not exceed 25 per cent of the insurance premiums.
(4) if the insurer has not terminated the contract of insurance, or in writing, provided the policyholder to amend the provisions in the insurance contract within the time limits provided for in the law, it can not be used in future insured risk increasing the likelihood of accession conditions, not the fact of notification as a cessation or modification of the rule.
(5) if the insurance event occurs before an insurance contract amendment or termination and before the insured or the policyholder has fulfilled in article 14 of this law, the insurer shall pay the insurance claims under the contract.
(6) If the insurance event occurs before an insurance contract amendment or termination and before the insured or the policyholder is not done in article 14 of this law, the insurer paid: 1) in the contract of insurance claims: If the insured or the policyholder is not to blame the insured risk increasing the likelihood of occurrence, in fact without notification;
2) insurance claims under the contract in that case, what is between the deposit insurance premiums and insurance premiums that the policyholder would have to pay if it had reported an insured risk increasing the likelihood of occurrence, actual conditions — if the notification is not the reason for the policy is not easy.
(7) If the insured or the policyholder with evil intent or serious negligence is not done in article 14 of this law, the insurer shall have the right not to pay insurance claims. In this case, the insurer may terminate the contract of insurance and shall not reimburse the policyholder and the insurance premium.
(8) If the insured or the policyholder with evil intent or serious negligence has taken action or omission committed which increase the insured risk joining the likelihood of the insurer is entitled to terminate the contract of insurance and does not repay the deposit insurance premiums.
Chapter IV. The insured, the policy-holder, insurer, and beneficiary obligations of article 17. The policyholder and the insured mutual obligations (1) the policyholder and the insured mutual obligations, if the policyholder is also insured, determined pursuant to this Act and the insurance contract.
(2) the policyholder is obliged to inform the insured of the fact that he is insured.
(3) the insured person is entitled to request information from the policyholder the insurance contract and the policyholder shall have the right to refuse the provision of such information.
18. article. Insurance premium payment (1) the policyholder is obliged to pay the insurance premiums, the insurance contract within the time limits and in the form.
(2) the insurer shall be entitled to terminate the contract of insurance in article 19 of this law in the order, if the policy holder has not paid the insurance premiums under the insurance contract.
19. article. Insurance premiums take pay stub (1) If, contrary to the provisions of the insurance contract the insurance premium has not been paid in full, until its complete payment the insurer may stop the operation of the insurance contract. Stopping the operation of the insurance contract, the insurer shall temporarily suspend their obligations.
(2) before an insurance contract is the suspension of the insurer sends the policyholder written notice on incomplete insurance premium payment and invited to pay according to the terms of the insurance contract the insurance premiums were not paid, and payment and settlement not possible consequences. The insurance contract is suspended on the day following the sending of a written communication.
(3) the insurer specified in the notification sent by the due date shall not be less than 15 days from the date of dispatch of the notice.
(4) the suspension of the contract of insurance ends with the moment when the insurer has been paid insurance premiums specified in the notice.
(5) If the policyholder within the time limit set in the notice and not pay the insurance premium, the insurer is entitled to terminate the contract of insurance and does not repay the deposit insurance premiums.
(6) the provisions of this article relating to the insurance contract, the suspension does not apply to insurance contracts where the insurance premium payment term is not precisely defined.
20. article. Suspension of the insurance contract, insurance contract, the consequences of the suspension does not affect the right of the insurer to claim all or part of insurance premiums under an insurance contract. The suspension of the contract of insurance period can be up to six months from the suspension of the contract of insurance.
21. article. The insured obligations after joining the insured risk (1) The insured risk, the insured membership immediately, as soon as possible, notify the insurer and shall take all reasonable steps possible to reduce losses.
(2) the insured may not object to the insurer's requirements to identify and assess the amount of damage, the emergence of conditions, as well as submit to the insurer all the existing documents to himself describing the insured risk and resulting injury. The insured shall also provide other information in its possession in o, which requested the insurer, as well as perform other insurance obligations laid down in the Treaty.

22. article. Insured obligation default (1) the insurer may refuse to pay the insurance indemnity if the insured with evil intent or serious negligence has not fulfilled any of this law, in article 21 obligations.
(2) the insurer may reduce insurance claims, but not more than 50 percent, if the insured negligence is not easily done any of this law, in article 21 obligations.
23. article. Rescue expenses (1) the insurer covers all log in and provable insured reasonable expenses incurred due to urgent damage prevention and reduction measures taken by the insured or the insurer's request of the initiative, even if these measures have not been successful.
(2) the rescue expenses must not exceed the amount of the claims if an insurance contract provides otherwise.
24. article. The insurer's obligation to pay insurance claims (1) due to an accident, the insurer paid insurance claims, the person specified in the contract.
(2) the insurer has the right to: 1) without verification of the insured risk accession to reject or confirm the claim, which was submitted on the basis of the insurance contract;
2) refuse to pay insurance claims without checking all available information;
3) refuse to pay insurance claims within the time limit set in the Treaty, if the evidence of insurance in the case of a Member;
4) claims to be paid if the insured risk intervention has caused the policyholder, insured, beneficiary or a third party for the purpose of evil or gross negligence. In these cases, the insurer and the insurance premiums not reimbursed.
(3) the insurer is obliged to pay the insurance indemnity if the insured risk intervention caused the policyholder, insured, beneficiary or a third party to easily focus and not where it is not contrary to the insurance contract.
(4) by agreement of the parties before the insurer a complete loss calculation, the share of insurance may be paid remuneration in an amount that does not dispute any of the parties.
(5) the insurer is entitled after the insured risk accession to check how the insured or the policyholder has noticed the insurance contract provisions.
Chapter v. The term of the insurance contract and the termination of the Treaty article 25. The term of the insurance contract (1) the insurance contract shall be determined by agreement between the parties, and it must not be longer than three years.
(2) health and life insurance contract maximum duration is not limited.
26. article. Insurance contract termination or invalidity (1) insurance contracts may be terminated before the deadline for the following reasons: 1) the insurer has fully complied with its obligations;
2) insured natural person specified in the contract and the insurance beneficiary is dead and he is not the heir of the m;
3) insured legal entity are eliminated and has no legal successor;
4) the parties have agreed;
5) other this law, other laws or Cabinet in the cases provided for in the rules.
(2) the insurance contract shall be deemed to be void in all this law, other laws or Cabinet in the cases provided for in the rules.
27. article. Particular case of termination of the insurance contract (1) the insurer and the policyholder may terminate the contract of insurance between the date of conclusion of the insurance contract and insurance from the date of entry into force of the Treaty. Of such cessation shall be notified to the other Contracting Party not later than 15 days before the date of its entry into force. If the insurance contract is terminated at the t s EC policy initiatives, the insurer shall refund to the policyholder the insurance premium which shall be determined by deducting from the paid insurance premiums with provable conclusion of the insurance contract the insurance providers of such linked expenditure must not exceed 25 percent of the insurance premiums. In other cases, the insurer shall refund to the policyholder the insurance premium.
(2) the policyholder may terminate the life and health insurance contracts every year on the day the insurance came into effect for the first time, or the day of the annual insurance premium payable, on notice to the insurer in writing not later than 15 days before the above date, if the insurance contract provides otherwise. In this case, the insurer shall repay a certain amount of money under the insurance contract.
28. article. Cessation of order (1) If an insurance contract is terminated, the Contracting Party concerned shall send written notice of the termination of the insurance contract.
(2) the insurance contract is terminated after 15 days of writing the date of dispatch of the notice.
(3) the first and second parts of the rules are not applicable in cases where this law provides other insurance termination procedures.
29. article. Termination by the insurance contract the insurance event occurs (1) If an insurance contract provides for the right to terminate the contract of insurance after the accident damage detection or costs, either Contracting Party may terminate the contract of insurance. The insurance contract is terminated after 15 days from the date on which the Contracting Party in question sent a written notice of termination of the insurance contract.
(2) If the insured risk occurs, the insured the policyholder, beneficiary or a third party for the purpose of evil or gross negligence, the insurance contract is considered terminated from the above findings of fact. In this case, the insurer is entitled not to pay insurance claims.
30. article. Termination of the insurance contract, the policyholder in the event of winding up or bankruptcy case (1) the insurer and the administrator or liquidator has the right to terminate the contract of insurance with the written statement.
(2) the Administrator or the liquidator may terminate the insurance contract only within one month from the administrator's or liquidator's appointment. The insurer cannot terminate the insurance contract earlier this month after one of the administrator's or liquidator's appointment.
(3) this article provides insurance in case of expiry of the contract, the insurer shall repay the bonus, which is determined by deducting from the part of the insurance premiums paid for insurance contract expiring in the period up to the termination of the insurance contract, as well as provable with the conclusion of the insurance contract the insurer related expenses shall not exceed 25 per cent of the insurance premiums.
(4) the provisions of this article shall not apply to personal insurance.
31. article. The death of the policyholder (1) If a policyholder in the event of the death of the obligation, the liability of the transferee assumes all policyholders in the insurance contract, the rights and obligations and shall notify the insurer in writing within 15 days from the date of transposition of the context.
(2) the obligations of the insurer and the transferee shall have the right to terminate the contract of insurance. Obligations of the successor to the termination of the contract of insurance shall notify the insurer in writing within 15 days from the date of transposition of the context. The insurer for the insurance contract shall be notified in writing to the termination of the obligation of the transferee within 15 days of the date when it has learned about the assumption of liabilities.
(3) the provisions of this article shall not apply to personal insurance.
32. article. Limitation (1) the limitation period starts from the moment of accession to the insured risk.
(2) the requirements for entitlement shall cease if the person specified in the insurance agreement are not used for a period of three years, but life and liability insurance in the case of 10 years.
(3) If an insurance contract, the insurance obligation to wait for the execution of the policy holder or other person specified in the insurance contract, the notice period shall start running from the date when the policyholder or another insurance contract to a designated person from the right and the opportunity to make a statement.
(4) following notification to the insurer limitation period is terminated.
(5) if the insurer fulfil an expired claim, he is not the right of the policy holder or other person specified in the insurance contract to claim back the completed.
Chapter VI. Co-insurance the insurer and the lead article 33. Co-insurance (1) Co-insurance in the insurance policy signed by all insurers shall conclude an insurance contract.

(2) the rights and obligations of the insurer are distributed according to the contract concluded between the insurers. Each insurer's commitments will be an insurance policy. If the insurance contract is not a special arrangement between insurers, co-insurance the insurer shall not cause a common responsibility.
34. article. Leading insurer (1) the leading insurer must appear in the policy. Its rights and obligations are laid down in the agreement concluded between the insurers. The leading insurer is authorized for all other insurers.
(2) the policyholder or the insured with the insurance contract related notices address the lead insurer, if the insurance contract provides otherwise.
(3) the leading insurer shall inform the policyholder of the insurer for the distribution of rights and obligations, of any change in the distribution of rights and obligations, as well as of any changes in the composition of the insurer.
Chapter VII. Insurance against loss and damage and liability insurance article 35. The principle of compensation for loss and damage and liability insurance of damages by refunds. Claims paid may not exceed the insured in case of insurance losses caused.
36. article. Virsapdrošināšan (1) If the amount of the insurance policyholder against loss and damage, in accordance with one or more insurance contracts for the same insured risk exceeds the insured value of the item (virsapdrošināšan), of any one of the requirements for the conclusion of contracts of insurance shrink in chronological order, from the last to the insurance contract, the amount of l does not exceed the insured value of the object.
(2) if necessary, one or more of the insurance contract to be terminated.
(3) the insurer may agree on other procedures for the reduction of the sum insured, the consent of the policyholder.
(4) If the insurance event occurs before the sum insured reductions took place in accordance with the second paragraph of this article, the insurer paid insurance claims, to the extent that it would have to be paid if the sum insured is equal to the insured value.
(5) If the sum insured in accordance with one or more insurance contracts concluded with one or more of the insurers more than the insured value of the object they insurance contracts concluded with the policyholder's evil intent or serious negligence, not force of their conclusion. In these cases, the deposit insurance premiums not reimbursed.
37. article. Breakdown of costs of claims, if there are several insurance contracts (1) If one and the same object for insured losses and damage in the same way that insurance is insured at several insurers, each insurer claims is paid in proportion to each insurance contract specified in šināšan o sum insured.
(2) If the insurance against civil liability in respect of the same person is their responsibility to insure multiple insurers, each insurer paid claims in proportion to the insurance limit of liability laid down in the treaties.
(3) none of the insurers cannot use the existence of other insurance contracts as a justification for the cost of claims in full or partial rejection, except in cases of fraud.
(4) Insurance providers may agree on the cost of claims a different way, with the consent of the insured.
38. article. The cost of claims, if compulsory insurance If the insurance object insured at the same time the mandatory and voluntary insurance, voluntary insurance indemnity is paid regardless of the remuneration cost of compulsory insurance, subject to the conditions of article 35 of this law.
39. article. Damage to a person's life, health or physical condition If i estājot in the case of insurance, the insured person is lost or the health or the physical condition of the damage claims shall be paid in accordance with all the insurance contracts concluded, which provides for the payment of such partitions, d ga pursuant to this law, 35, 36, 37 and 38 of the rules of article except where the insurance contract provides for the use of the principle of compensation.
40. article. Recourse (1) insurer that has paid insurance claims, amounts paid per insured requirements takes over rights against the person responsible for the damage, unless the injured person's life, health or physical condition. This exception does not apply if the insurance contract is about to apply compensatory finance e.
(2) If the insurer paid out the insurance indemnity covers only part of the damage, the insurers of their right to recourse can be used only when the insured person is bringing legal action against the responsible person of damages that are not covered by the insurance.
(3) the insurer and the insured person may agree in writing on the action at the Court of Justice, as well as the insured person may in writing waive the requirement of lifting in court, and in such a case, the insurer may exercise their rights to recourse, not subject to the provisions of part two.
(4) in accordance with the Court ruling on the recovery of damages from the responsible persons are first made in favor of the victim and only after it is fully indemnified damages the victim, drive is in favor of the insurer.
(5) if the victim is not one year brought legal proceedings against the person responsible for the damage, the insurer may exercise their rights to recourse, not subject to the provisions of part two.
(6) if the insured's evil intent or serious negligence is not possible recourse in favor of the insurer, the insurer may require the insured the reimbursement of paid insurance claims, to the extent that the recourse is not possible.
(7) an insurer cannot turn with recourse against the insured children, parents or spouses; the exception is any accident caused by bad or serious negligence.
Article 41. The insurance object value (1) Insurance against loss or damage insured amount may not exceed the insured value of the object.
(2) the Contracting Parties may agree in the contract of insurance the insurance object models.
(3) the Contracting Parties may agree in the contract of insurance on insurance object restore value.
Article 42. Object of insurance in the harmonised value (1) If a special kind of insurance the insurance object, the Contracting Parties may agree to modify this object particularly coherent.
(2) If the insurance object that is insured, the Contracting Parties agreed on the value of much of value cease, the Contracting Parties have the right to reduce, by agreement, the original value of the object or to terminate the insurance contract.
43. article. If the sum insured of Zemapdrošināšan insurance against loss and damage, in accordance with one or more insurance contracts for the same insured risk is less than the value of the insured object (zemapdrošināšan), the insurers paid claims in such a proportion, what is between the cover and the value if a NASA agreement which provides otherwise.
44. article. The change of the owner (1) If the insured real estate property changes owner, an insurance contract is in force for a good new owner one month after you have completed all the property rights exchange of document nt.
(2) the foregoing condition does not apply where the insurance contract expires faster than are presented property to change the required documents, or if the new owner has entered into another insurance contract before the period has expired.
(3) If the insured estate owner changes to property and not force other agreed with the insurer, the insurance contract will terminate at the time the property is transferred to the new owner.
Article 45. Before the conclusion of the contract of insurance losses incurred civil liability insurance contract may provide that the covered injury, which caused the loss associated with the causal event, which occurs before the conclusion of the insurance contract, unless one of the parties was unaware of its membership of the insurance at the time of conclusion of the contract.
Article 46. Losses incurred by the insurance contract expiration

The insurer in liability insurance covers losses arising from insurance contracts concluded during operation, if the insured person for the damages caused by the event is presented by the loss of the claim within three years after the expiry of the insurance contract.
47. article. Representation in civil liability (1) the insurer is entitled to act for the good of the insured and to represent interests of the insured in the insurance contract within the defined limits of liability from the moment against the insured can be built in a loss claim.
(2) the obligation of taking the representation does not mean that the insurer automatically recognises the liability of the insured, and not any insurer or the insured liabilities to pay the third party injury.
(3) the insurer may not assume the duties of representation in cases where such obligations may, directly or indirectly, adversely affect the interests of the insured in the objective representation.
48. article. Agreement with the third party liability insurance (1) If the insured is compensated or in any way given the promise of remuneration to a third party without the written consent of the insurer, the insured activity caused or possible expenditure shall not be binding on the insurer.
(2) if the insured person's risk in the event of accession has taken measures to reduce the damage or delivering emergency assistance to the victim, it doesn't give the insurer the right to withdraw from the obligations set out in the insurance contract.
49. article. Insurance claims and other costs of liability insurance payment (1) the insurer in accordance with the provisions of the insurance contract the insurance indemnity costs only a third party, and this remuneration may not exceed the insurance limit of liability laid down in the Treaty.
(2) the insurance contract may provide that also are covered for legal proceedings, inspection or other requirements of the claims based activities related expenses.
(3) liability insurance does not cover the claims, fines and other similar charges.
(4) if the insured's evil intent or gross negligence has been the cause of it, so that it does not participate in statutory investigations or court proceedings, the insured person shall pay the insurer of this Act or omission caused the losses.
50. article. A third party the right to claim the third person is entitled to bring an action directly against the insurer, and the insurer is entitled to challenge the validity of the claims brought.
Chapter VIII. Personal insurance article 51. Personal insurance (1) Me now are the insurance, life insurance, personal accident insurance and health insurance.
(2) the Contracting Parties in an insurance contract may provide that, after the insurance case, the insurer paid the sum insured or other amounts in the insurance contract, the amount of which is fixed by the contract of insurance. In such cases, does not apply the principle of compensation.
(3) Personal insurance, except life insurance, the insurance contract the Contracting Parties may agree on the application of the principle of compensation claims cost. In this case, you must follow this law, 35, 36, 37, 38, 39, 40 and article 43.
52. article. Payment of insurance compensation and diversity if the Contracting Parties in the insurance contract, unless otherwise agreed, payments made by the insured or beneficiary received from other sources, does not reduce the obligations of the insurer.
53. article. Beneficiary (1) the insured has the right to life and accident insurance contracts shall specify one or more persons, beneficiaries who receive insurance indemnity the insured in case of death, as well as to replace that person with other persons insurance for the duration of the contract, the written notification to the insurer about it am.
(2) If the insured by the contract of insurance or insurance for the duration of the contract is not specified, then the beneficiary must be identifiable at the time of action.
(3) If the insured is not specified by the beneficiary or bringing the moment it is not possible, the claims of the insured is paid the heirs in accordance with the procedure laid down in the civil code.
(4) the beneficiary has the right to refuse to be as such.
54. article. The beneficiary is entitled to consult the insurance contract in favor of ma to the beneficiary is entitled to claim from the policyholder, the insured or the insurer's information about the insurance agreement and familiarize yourself with it.
Transitional provisions 1. Insurance policies, which have been approved by the national sample insurance supervisory inspections, with the requirements of this Act within one year from the date of entry into force of the law.
2. Insurance policies, which are approved to the sample of this Act to the date of entry into force of this law, to the use of the transitional provisions referred to in paragraph 1, the period.
The law shall enter into force on 1 September 1998.
The Parliament adopted the law of 10 June 1998.
The President g. Ulmanis in Riga in 1998 as at 30 June