הסיפור הבא הוא אירוע שיכול לקרות לכל אחד ובכל מקום ובכל רגע.
בבניין דירות ברמת גן פרצה שריפה שגרמה לנזקים בסך של 137,000 שקלים, המקור לשריפה הקשה היה ידוע – סוללת קורקינט חשמלי שהוטען בסלון הדירה השכורה. הדיירים, זוג צעיר, לא היו בעלי הדירה אלא שוכרים.
חברת הביטוח ששילמה לא נשארה חייבת
חברת הביטוח שביטחה את בעלת הדירה, פיצתה או תה בגין מלוא הנזק ומיד לאחר מכן בחרה להגיש את "החשבון" לדיירים בעלי הקורקינט והוגשה תביעת שיבוב, כנגד השוכרים בדירה.
איך ייתכן שהשוכר חשוף לתביעה כספית מחברת הביטוח שמבטחת את הדירה בה הוא גר?
מדוע הוגשה תביעה נגד הדיירים עצמם, אם גם הדירה בה פרצה האש הייתה מבוטחת?
חשוב להכיר סעיף בפוליסת הביטוח, שיכול לחסוך לשוכרים ולמשכירים כסף רב והמון כאבי ראש.
נעים להכיר סעי ף "אחריות צולבת" ש לא עולה כסף ויכול להציל אתכם מצרות
סעיף "אחריות צולבת" בפוליסת ביטוח, מתייחס למצב בו בגוף הפוליסה רשומים מספר מבוטחים (הבעלים וגם המשכירים). כך שבמקרה של הפעלת הביטוח מתחייבת חברת הביטוח לשאת
בפיצוי לבדה ולא לתבוע בחזרה את הדייר או את בעלי הדירה. פשוט כמו שזה נשמע ולא מייקר את פרמיית הביטוח.
למה ומי צריך את זה?
התשובה ה ברורה היא שכ דאי לכל מי ש שוכר דירה ומשכיר דירה להכיר את הסעיף. במקרה שהכנסתם לפוליסה סעיף " אחריות צולבת" , חברת הביטוח שביטחה את הדירה ושמשלמת את
הפיצוי , מוותרת למעשה על זכות התביעה שלה כנגד הדייר או הבעלים, לפי העניין.
לא הכל ורוד עם הרצון הטוב לערוך הסכם שכירות בצירוף סעיף שיבטיח שקט נפשי הן למשכיר והן לשכור, לסעיף אחריות צולבת קיימים גם חסרונות, וחשוב לבצע את הבדיקות המתאימות ולהיעזר באנשי מקצוע לפני שעורכים הסכמי שכירות.
ההמלצה שלנו ! בדקו אם הפוליסה שלכם כוללת אחריות צולבת, והבינו את המשמעות **האמור לעיל אינו מהווה יעוץ משפטי ו/או אחר ו/או המלצה ו/או חוות דעת.
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תודה רבה על המידע! חשוב ביותר
חשוב מאוד
משרד אליפות
מרתק. לא הכרתי. תודה רבה על השיתוף!
מעניין וחשוב מאד, תודה!
אני משכיר ושוכר דירות ולא ידעתי שיש דבר כזה.. חברות הביטוח רק מנסות לדפוק את האזרח הקטן איפה שרק אפשר ולהסתיר מידע.
תודה לכם על הכתבה והחידוש!
כל כך חשוב! משרד מעולה מניסיון