If, on the part of the → Policyholder’s or the injured party has a valid direct claim against the → Insurer, the → Insurer is obliged to satisfy this in accordance with the contractual arrangements. However, if a third party or the → Policyholder to prove contributory negligence itself, the → Insurer Reclaim benefits, either in part or in full.

Claims for recourse may also arise between the → Insurers are to be settled, provided that both parties (the injured party and the party responsible) have the respective → Risk is covered by this.

Source reference: See the VDT publication “VDT Article Series, Part 5 | Glossary“ and the source cited there.