The rights of the victim to file a claim against the harm-doer
By virtue of subparagraph 7) of paragraph 1 of Article 16 of Law No. 446, the policyholder is entitled to receive an insurance payment in the cases provided for by this Law. According to paragraph 1 of Article 25 of Law No. 446, the claim for insurance payment to the insurer is made by the policyholder (insured) or another person who is the beneficiary.
By virtue of paragraph 4 of Article 25, the beneficiary is, inter alia, the policyholder (insured) or another person who has compensated the victim (the person entitled to compensation) for the damage caused within the scope of the insurer's liability established by this Law and has received the right to an insurance payment. It follows from the content of these rules that the victim has the right to file a claim for damages directly to the policyholder, who, having compensated the damage, is entitled to an insurance payment.
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