If, on the part of the → policyholder’s or the injured party has a valid direct claim against the → Insurer, so the → Insurer obliges him to satisfy this in accordance with the contractual arrangements. However, if a third party or the → policyholder to prove contributory negligence themselves, the → Insurer Reclaim some or all of the benefits.

Claims for recourse may also arise between the → Insurers 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.