Is there a need on the part of the → policyholder or the injured person has a justified direct claim against the → Insurerthe → Insurer is obliged to satisfy the latter in accordance with the contractual agreements. However, if a third person or the → Policyholder the customer himself can prove contributory negligence, the → Insurer claim back some or all of the benefits.

Recourse claims can also be made between the → Insurers provided that both parties (the injured party and the party at fault) have the respective → Risk is also covered.

Source reference: See VDT publication "VDT article series part 5 l Glossary" and the source indicated there.