التأمين من المسؤولية

Abstract EN

Liability insurance is an insurance on a debt, as it is not limited to two parties, the insured and the insurance company, but extends to a third person who is the injured person.

there are distinct relationships between the insured and insurance company on the one hand, and between the insured and the injured person on the other, whether the liability insurance is compulsory or not.

however, the Algerian legislator expanded the scope of the mandatory liability insurance where he restricted the principle of the authority of the will, as the will is no longer free to form this contract or even specify its clauses ; the obligations of its parties or even its effects, on purpose to protect the injured party, as well as to protect the financial financial liability of the insured from what it suffers from financial burdens, because there is a person who is full of financial liability, represented by the insurance company, who compensates the damage suffered by the aggrieved party.