Precedent No. 37/2020/AL regarding effect of property insurance contract in case of lịch trực tiếp bóng đá hôm nay insurance buyer’s late payment of insurance premium upon expiration of lịch trực tiếp bóng đá hôm nay deadline for premium payment
Precedent No. 37/2020/AL regarding effect of property insurance contract in case of lịch trực tiếp bóng đá hôm nay insurance buyer’s late payment of insurance premium upon expiration of lịch trực tiếp bóng đá hôm nay deadline for premium payment
After lịch trực tiếp bóng đá hôm nay insurance premium payment deadline agreed upon in lịch trực tiếp bóng đá hôm nay property insurance contract had expired, lịch trực tiếp bóng đá hôm nay insurance buyer paid lịch trực tiếp bóng đá hôm nay insurance premium to lịch trực tiếp bóng đá hôm nay insurance company. lịch trực tiếp bóng đá hôm nay insurance company said nothing and did not inform lịch trực tiếp bóng đá hôm nay insurance buyer in writing of lịch trực tiếp bóng đá hôm nay termination of lịch trực tiếp bóng đá hôm nay insurance contract, but still received lịch trực tiếp bóng đá hôm nay insurance premium paid late, issued value-added tax invoice and included that premium payment in their tax return. After that, an insured event happened.
- Legal solution:
In this case, as lịch trực tiếp bóng đá hôm nay insurance contract remained in effect, lịch trực tiếp bóng đá hôm nay insurance company was liable for pay indemnity to lịch trực tiếp bóng đá hôm nay assured.
According to lịch trực tiếp bóng đá hôm nay petition to sue, lịch trực tiếp bóng đá hôm nay plaintiff’s authorized representative gave lịch trực tiếp bóng đá hôm nay following testimony:
Limited Liability Company N (hereinafter referred to as Company N) is established and operates according to lịch trực tiếp bóng đá hôm nay Business Registration Certificate No. 3600686844 dated July 29, 2004 of lịch trực tiếp bóng đá hôm nay Department of Planning and Investment of Dong Nai province, and has obtained lịch trực tiếp bóng đá hôm nay registration for lịch trực tiếp bóng đá hôm nay 6thchange on September 4, 2015.
Company N, as lịch trực tiếp bóng đá hôm nay insured party, and Insurance Company P1, as lịch trực tiếp bóng đá hôm nay insuring party, agreed to enter into 07 boiler insurance contracts and lịch trực tiếp bóng đá hôm nay public liability insurance contract as follows:
1. Boiler insurance contract No. P-15/DNI/XCG/3201/0005 dated March 24, 2015, including lịch trực tiếp bóng đá hôm nay following terms and conditions: Certificate of insurance for lịch trực tiếp bóng đá hôm nay boiler No. P-15/DNI/XCG/3201/0005 dated March 24, 2015; Notice of collection of insurance premium dated March 24, 2015; Additional clauses; Boiler insurance rules, under which Company N is provided by Insurance Company P1 with lịch trực tiếp bóng đá hôm nay insurance:
- Against material loss or damage: Biomass dryer (commonly called Hoa Viet boiler) with total insurance coverage/sum insured/sum assured of VND 6,500,000,000
- For lịch trực tiếp bóng đá hôm nay liability to lịch trực tiếp bóng đá hôm nay third party: Liability limit of VND 1,000,000,000 for each accident/insured event/occurrence and during lịch trực tiếp bóng đá hôm nay entire policy period, including:
- Bodily injury liability coverage per person:
+ Per person limit: VND 20,000,000/person/accident.
+ Insurance coverage limit for total number of persons: VND 200,000,000/accident during lịch trực tiếp bóng đá hôm nay entire policy period.
- Limit of insurance coverage against property loss or damage: VND 2,000,000,000/accident during lịch trực tiếp bóng đá hôm nay entire policy period.
Insured location: Joint-stock Company H (briefly called Company H); address: neighborhood No. 8, ward L, B city, Dong Nai province. Insurance beneficiary: Joint Stock Commercial Bank V - Branch B (Bank V - Branch B). Policy period starts on April 1, 2015 and ends on March 31, 2016 (hereinafter referred to as Contract No. 0005).
2. Public liability insurance contract No. P-15/DNI/XCG/3303/0009 dated March 24, 2015, including lịch trực tiếp bóng đá hôm nay following terms and conditions: Certificate of public liability insurance No. P-15/DNI/XCG/3303/0009 dated March 24, 2015; Public liability insurance contract No. P-15/DNI/XCG/3303/0009, dated March 24, 2015; Notice of collection of insurance premium dated March 24, 2015; Rules for public liability insurance; Amended or supplementary clauses regarding public liability insurance, under which Company N is insured by Company P1 for lịch trực tiếp bóng đá hôm nay coverage of VND 21,000,000,000 against each loss or damage and for lịch trực tiếp bóng đá hôm nay entire year (Insurance limit per person: Not greater than VND 20 million/person/accident). Coverage scope: Insurance Company P1 provides indemnity for bodily injuries or protection against material or physical loss or damage caused during lịch trực tiếp bóng đá hôm nay policy period owing to an accident occurring within lịch trực tiếp bóng đá hôm nay geographical restriction related to Company N’s business. Insured location: Company H; address: Neighborhood No. 8, ward L, B city, Dong Nai province. Geographical scope: Vietnam. Beneficiary of insurance rights: Bank V - Branch B (Beneficiary 1), Company N (Beneficiary 2). Insurance period starts on April 1, 2015 and ends on March 31, 2016. (Hereinafter referred to as Contract No. 0009).
3. Boiler insurance contract No. P-15/DNI/XCG/3201/0006 dated March 26, 2015, including lịch trực tiếp bóng đá hôm nay following terms and conditions: Certificate of insurance for lịch trực tiếp bóng đá hôm nay boiler No. P-15/DNI/XCG/3201/0006 dated March 26, 2015; Notice of collection of insurance premium dated March 26, 2015; Additional clauses; Boiler insurance rules, under which Company N is provided by Insurance Company P1 with lịch trực tiếp bóng đá hôm nay insurance:
- Against material loss or damage: Biomass dryer No. 03 (commonly called boiler No. 3) with total insurance coverage/sum insured/sum assured of VND 13,000,000,000.
- For lịch trực tiếp bóng đá hôm nay liability to lịch trực tiếp bóng đá hôm nay third party: Liability limit of VND 1,000,000,000 for each accident/insured event/occurrence and during lịch trực tiếp bóng đá hôm nay entire policy period, including:
- Bodily injury liability coverage per person:
+ Insurance limit per person: VND 20,000,000/person/accident.
+ Insurance coverage limit for total number of persons: VND 200,000,000/accident during lịch trực tiếp bóng đá hôm nay entire policy period.
- Limit of insurance coverage against property loss or damage: VND 2,000,000,000/accident during lịch trực tiếp bóng đá hôm nay entire policy period.
Insured location: At Paper Single-member Limited Liability Company S, now Paper Joint Stock Company S, (referred to as Paper Company S); Address: Industrial Park M, T district, Ba Ria - Vung Tau province. Insurance beneficiary: Bank V - Branch B (Beneficiary 1), Company N (Beneficiary 2). Insurance period starts on April 1, 2015 and ends on March 31, 2016 (hereinafter referred to as Contract No. 0006).
4. Public liability insurance contract No. P-15/DNI/XCG/3303/0010 dated March 26, 2015, including lịch trực tiếp bóng đá hôm nay following terms and conditions: Certificate of public liability insurance No. P-15/DNI/XCG/3303/0010 dated March 26, 2015; Public liability insurance contract No. P-15/DNI/XCG/3303/0010 dated March 26, 2015; Notice of collection of insurance premium dated March 26, 2015; Rules for public liability insurance; Amended or supplementary clauses regarding public liability insurance, under which Company N is insured by Company P1 for lịch trực tiếp bóng đá hôm nay coverage of VND 21,000,000,000 against each loss or damage and for lịch trực tiếp bóng đá hôm nay entire year (Insurance limit per person: Not greater than VND 20 million/person/accident). Coverage scope: Insurance Company P1 shall pay indemnity for bodily injuries or protection against loss or damage to material or physical property through lịch trực tiếp bóng đá hôm nay third parties’ fault for which Company N is liable during lịch trực tiếp bóng đá hôm nay policy period owing to any accident related to Company N’s business. Insured location: At Paper Company S; Address: Industrial Park M, T district, Ba Ria - Vung Tau province. Geographical scope: Vietnam. Beneficiary of insurance rights: Bank V - Branch B (Beneficiary 1), Company N (Beneficiary 2). Insurance period starts on April 1, 2015 and ends on March 31, 2016. (Hereinafter referred to as Contract No. 0010).
5. Boiler insurance contract No. P-15/DNI/XCG/3201/0007 dated September 30, 2015, including lịch trực tiếp bóng đá hôm nay following terms and conditions: Certificate of insurance for lịch trực tiếp bóng đá hôm nay boiler No. P-15/DNI/XCG/3201/0007 dated September 30, 2015; Notice of collection of insurance premium dated September 30, 2015; Additional clauses; Boiler insurance rules, under which Company N is provided by Insurance Company P1 with lịch trực tiếp bóng đá hôm nay insurance:
- Against material loss or damage: Biomass dryer No. 01 (commonly called boiler No. 1) with total insurance coverage/sum insured/sum assured of VND 9,300,000,000.
- For lịch trực tiếp bóng đá hôm nay liability to lịch trực tiếp bóng đá hôm nay third party: Liability limit of VND 1,000,000,000 for each accident/insured event/occurrence and during lịch trực tiếp bóng đá hôm nay entire policy period, including:
- Bodily injury liability coverage per person:
+ Per person limit: VND 20,000,000/person/accident.
+ Insurance coverage limit for total number of persons: VND 200,000,000/accident during lịch trực tiếp bóng đá hôm nay entire policy period.
- Limit of insurance coverage against property loss or damage: VND 800,000,000/accident during lịch trực tiếp bóng đá hôm nay entire policy period.
Insured location: At Paper Company S; Address: Industrial Park M, T district, Ba Ria - Vung Tau province. Insurance beneficiary: Bank V - Branch B. Insurance period starts on October 1, 2015 and ends on October 1, 2016 (hereinafter referred to as Contract No. 0007).
6. Boiler insurance contract No. P-15/DNI/XCG/3201/0008 dated September 30, 2015, including lịch trực tiếp bóng đá hôm nay following terms and conditions: Certificate of insurance for lịch trực tiếp bóng đá hôm nay boiler No. P-15/DN1/XCG/3201/0008 dated September 30, 2015; Notice of collection of insurance premium dated September 30, 2015; Additional clauses; Boiler insurance rules, under which Company N is provided by Insurance Company P1 with lịch trực tiếp bóng đá hôm nay insurance:
- Against material loss or damage: Biomass dryer No. 02 (commonly called boiler No. 2) with total insurance coverage/sum insured/sum assured of VND 5,400,000,000.
- For lịch trực tiếp bóng đá hôm nay liability to lịch trực tiếp bóng đá hôm nay third party: Liability limit of VND 1,000,000,000 for each accident/insured event/occurrence and during lịch trực tiếp bóng đá hôm nay entire policy period, including:
- Bodily injury liability coverage per person:
+ Per person limit: VND 20,000,000/person/accident.
+ Insurance coverage limit for total number of persons: VND 200,000,000/accident during lịch trực tiếp bóng đá hôm nay entire policy period.
- Limit of insurance coverage against property loss or damage: VND 800,000,000/accident during lịch trực tiếp bóng đá hôm nay entire policy period.
Insured location: At Paper Company S; Address: Industrial Park M, T district, Ba Ria - Vung Tau province. Insurance beneficiary: Bank V - Branch B. Insurance period starts on October 1, 2015 and ends on October 1, 2016 (hereinafter referred to as Contract No. 0008).
7. Public liability insurance contract No. P-15/DNI/XCG/3303/0057 dated September 30, 2015, including lịch trực tiếp bóng đá hôm nay following terms and conditions: Certificate of public liability insurance No. P-15/DNI/XCG/3303/0057 dated September 30, 2015; Notice of collection of insurance premium dated September 30, 2015; Public liability insurance contract No. P-15/DNI/XCG/3303/0057 dated September 30, 2015; Rules for public liability insurance; Amended or supplementary clauses regarding public liability insurance, under which Company N is insured by Company P1 for lịch trực tiếp bóng đá hôm nay coverage of VND 21,000,000,000 against each loss or damage and for lịch trực tiếp bóng đá hôm nay entire year (Insurance limit per person: Not greater than VND 21,/person/accident). Coverage scope: Insurance Company P1 provides indemnity for which Company N is legally liable for bodily injuries or protection against material or physical loss or damage of third parties caused during lịch trực tiếp bóng đá hôm nay policy period owing to any accident related to Company N’s business. Insured location: At Paper Company S; Address: Industrial Park M, T district, Ba Ria - Vung Tau province. Geographical scope: Vietnam. Beneficiary of insurance rights: Bank V - Branch B (Beneficiary 1), Company N (Beneficiary 2). Insurance period starts on October 1, 2015 to October 1, 2016. (Hereinafter referred to as Contract No. 0009).
At about 00:30 a.m., on November 13, 2015, at Paper Company S, there was an explosion in boiler No. 3, resulting in:
1. Material or physical loss or damage to lịch trực tiếp bóng đá hôm nay boiler No. 3: lịch trực tiếp bóng đá hôm nay entire boiler system No. 3 was destroyed. Property loss or damage to lịch trực tiếp bóng đá hôm nay third party: Costs of fire fighting, property damage, construction, damage due to lịch trực tiếp bóng đá hôm nay system shutdown,... of Paper Company S.
2. material human loss or bodily injury: 02 workers on lịch trực tiếp bóng đá hôm nay shift running lịch trực tiếp bóng đá hôm nay No. 3 boiler, Mr. Nguyen Van C and Mr. Nguyen Thanh L, died.
3. Expenses incurred cleaning up lịch trực tiếp bóng đá hôm nay scene: Dismantling, cleaning up, transporting and depositing property remaining at lịch trực tiếp bóng đá hôm nay scene after lịch trực tiếp bóng đá hôm nay boiler No.3 explosion occurred.
4. Affecting and damaging part of boiler No. 2 of Company N.
At 10:00 a.m., November 13, 2015, Insurance Company P and Company N made an incident scene report. lịch trực tiếp bóng đá hôm nay Investigation Police Agency of lịch trực tiếp bóng đá hôm nay Police Department of Ba Ria-Vung Tau province solicited lịch trực tiếp bóng đá hôm nay expertise of lịch trực tiếp bóng đá hôm nay cause of lịch trực tiếp bóng đá hôm nay incident. As of January 13, 2016, there was an inspection conclusion No. 3548/C54B of lịch trực tiếp bóng đá hôm nay Forensic Science Sub-Institute (C54B) - Ministry of Public Security, all of 03 written documents issued by lịch trực tiếp bóng đá hôm nay Investigation Police Agency - Ba Ria - Vung Tau province’s Police Department on lịch trực tiếp bóng đá hôm nay same day, January 26, 2016, enclosing: Noncriminal Prosecution Notice No. 02/TB-PC44; Conclusion verifying criminal information No. 02/KL-PC44 (D3); Notification of results of processing of lịch trực tiếp bóng đá hôm nay crime report No. 02/TB-PC44; Official Letter No. 100/VKS-P2 dated January 26, 2016 of lịch trực tiếp bóng đá hôm nay People's Procuracy of Ba Ria - Vung Tau province, regarding lịch trực tiếp bóng đá hôm nay conclusion verifying lịch trực tiếp bóng đá hôm nay denunciation letter and lịch trực tiếp bóng đá hôm nay conclusion that lịch trực tiếp bóng đá hôm nay explosion of lịch trực tiếp bóng đá hôm nay boiler No. 3 is caused by technical error, and lịch trực tiếp bóng đá hôm nay No. 3 boiler is still in lịch trực tiếp bóng đá hôm nay inspection period (issued by Safety Industrial Technical Inspection Centre No.2, Ministry of Industry and Trade; and lịch trực tiếp bóng đá hôm nay next inspection is scheduled to take place on December 17, 2016), showed that no sign of crime was found in lịch trực tiếp bóng đá hôm nay boiler No. 3 explosion happening on November 13, 2015.
Insurance Company P1 appointed lịch trực tiếp bóng đá hôm nay Inspection Joint Stock Company B at 2.5 P, ward B, district P, Ho Chi Minh City to conduct lịch trực tiếp bóng đá hôm nay inspection and expertise of lịch trực tiếp bóng đá hôm nay boiler No. 3 explosion accident. lịch trực tiếp bóng đá hôm nay inspections carried out on November 17, 18, 19, 20 and 28, 2015, were documented in field records and pointed out damaged parts, including: boiler No. 3; boiler No. 1 and 2 shed; equipment shared between boiler No. 1, No. 2 and No. 3; mechanical and electrical damage to lịch trực tiếp bóng đá hôm nay boiler No. 2; property of Paper Company S as lịch trực tiếp bóng đá hôm nay third party; actual field cleanup.
Company N collected and submitted data to request compensation from Insurance Joint Stock Company P and Insurance Company P1, based on lịch trực tiếp bóng đá hôm nay following legal grounds:
1. Regarding lịch trực tiếp bóng đá hôm nay material or physical damage to lịch trực tiếp bóng đá hôm nay No. 3 boiler, after consulting lịch trực tiếp bóng đá hôm nay boiler insurance contract No. P-15/DNI/XCG/3201/0006 dated March 26, 2015, lịch trực tiếp bóng đá hôm nay boiler No. 3 explosion accident falls under lịch trực tiếp bóng đá hôm nay scope of insurance coverage liability assumed by Insurance Company P, including:
- Boiler No. 3 system: VND 13,886,965,686;
- Boiler No. 3 shed: VND 1,298,476,400;
- Boiler feed equipment and supplies (Increasing lịch trực tiếp bóng đá hôm nay capacity for using combustible materials): VND 2,519,308,592;
- Expenses incurred from cleaning up lịch trực tiếp bóng đá hôm nay scene: After consulting Clause 25 regarding Scene Cleanup (Coverage limit of USD 100,000) in lịch trực tiếp bóng đá hôm nay section titled Additional Terms of Contract No. 0006, Company N charged Insurance Company P for lịch trực tiếp bóng đá hôm nay costs of cleaning up lịch trực tiếp bóng đá hôm nay explosion scene incurred from lịch trực tiếp bóng đá hôm nay boiler No. 3 explosion because these costs fell within lịch trực tiếp bóng đá hôm nay coverage liability to actual damage of Insurance Company P, including:
+ Dismantling and hoisting lịch trực tiếp bóng đá hôm nay boiler No. 3: VND 140,000,000;
+ Transportation fare (using heavy trailer truck): VND 20,000,000;
+ Cleanup and light transportation: VND 200,000,000;
+ Rental of lịch trực tiếp bóng đá hôm nay storage facility for lịch trực tiếp bóng đá hôm nay boiler No. 3: VND 120,000,000.
Total: VND 18,184,750,678.
2. Human loss or bodily injury:: In lịch trực tiếp bóng đá hôm nay light of lịch trực tiếp bóng đá hôm nay Contracts No. 0009, No. 0010 and No. 0057, because lịch trực tiếp bóng đá hôm nay accident of explosion in lịch trực tiếp bóng đá hôm nay boiler No. 3 resulting in 02 dead occurred within lịch trực tiếp bóng đá hôm nay geographic boundary of Vietnam, Company N charged Insurance Company P for indemnity against actual human loss, including:
- Mr. Nguyen Van C: VND 300,000,000;
- Mr. Nguyen Thanh L: VND 333,000,000.
Total: VND 633,000,000;
3. Third party’s property loss or damage: In lịch trực tiếp bóng đá hôm nay light of lịch trực tiếp bóng đá hôm nay Contracts No. 0009, No. 0010 and No. 0057, because lịch trực tiếp bóng đá hôm nay accident of explosion in lịch trực tiếp bóng đá hôm nay boiler No. 3 resulting in loss and damage to property of Paper Joint Stock Company S, as lịch trực tiếp bóng đá hôm nay third party, occurred within lịch trực tiếp bóng đá hôm nay geographic boundary of Vietnam, Company N charged Insurance Company P for indemnity against total actual loss and damage, including:
- Property damage or loss, and construction cost: VND 90,804,880;
- Fire fighting cost: VND 24,943,000;
- Damage or loss inflicted by production suspension: VND 332,010,000;
- Indemnity paid to Paper Joint Stock Company S for lịch trực tiếp bóng đá hôm nay differential cost of fuel gas used as substitute combustible material in November 2015 due to lịch trực tiếp bóng đá hôm nay boiler No. 3 explosion: VND 1,063,032,472.
Total: VND 1,510,790,352.
4. Regarding physical and material loss or damage to lịch trực tiếp bóng đá hôm nay boiler No. 2, after consulting lịch trực tiếp bóng đá hôm nay boiler insurance contract No. 0008, Company N charged Insurance Company P for lịch trực tiếp bóng đá hôm nay indemnity against their loss and damage within lịch trực tiếp bóng đá hôm nay Company P’s insurance coverage scope, including:
- Mechanical damage: VND 200,000,000;
- Electricity damage: VND 300,000,000.
Total: VND 500,000,000.
In Insurance Company P’s viewpoints:
1. Insurance Company P did not agree to compensate material liability for lịch trực tiếp bóng đá hôm nay boiler No. 3 and public insurance liability for third party’s people and property to Company N when denying lịch trực tiếp bóng đá hôm nay validity of lịch trực tiếp bóng đá hôm nay Contract No. 0006 and No. 0010, as shown in lịch trực tiếp bóng đá hôm nay Official Letter No. 130/P-DNI-CV, November 24, 2015 of Insurance Company P1; additionally denying lịch trực tiếp bóng đá hôm nay validity of lịch trực tiếp bóng đá hôm nay Contract No. 0005 and No. 0009 through lịch trực tiếp bóng đá hôm nay Official Letter No. 136/P-DNI-CV dated December 1, 2015. On November 26, 2015, Company N sent Insurance Company P lịch trực tiếp bóng đá hôm nay Correspondence No. 01/2015/PHTT-NTN-PHCO DN regarding non-acceptance of insurance liability disclaimer of Insurance Company P and request for Insurance Company P’s indemnity against all loss or damage occurred. Insurance Company P continued to refuse to pay indemnity by sending lịch trực tiếp bóng đá hôm nay Official Letter No. 135/P-DNI-CV dated December 1, 2015 giving lịch trực tiếp bóng đá hôm nay following explanations: Company N would have paid lịch trực tiếp bóng đá hôm nay insurance premium before May 1, 2015, but till May 7, 2015, Insurance Company P1 did not receive lịch trực tiếp bóng đá hôm nay expected insurance premium. Based on lịch trực tiếp bóng đá hôm nay payment terms of those contracts terminated on May 1, 2015, as lịch trực tiếp bóng đá hôm nay incident happened prior to lịch trực tiếp bóng đá hôm nay incident occurrence date, November 13, 2015, such incident did not fall within lịch trực tiếp bóng đá hôm nay scope of coverage liability assumed by Insurance Company P. Because of disagreeing about lịch trực tiếp bóng đá hôm nay disclaimer of coverage liability issued by Insurance Company P, on December 2, 2015, Company N sent a complaint to Insurance Company P.
Insurance Company P’s refusal to pay indemnity for lịch trực tiếp bóng đá hôm nay above reasons was absolutely unfounded.
i) Contract effective date: According to Article 405 of lịch trực tiếp bóng đá hôm nay Civil Code that states that “A legally concluded contract shall take effect from lịch trực tiếp bóng đá hôm nay time of conclusion, unless otherwise agreed or otherwise provided by law”, and regarding lịch trực tiếp bóng đá hôm nay time of entry into lịch trực tiếp bóng đá hôm nay Contract, "at lịch trực tiếp bóng đá hôm nay time lịch trực tiếp bóng đá hôm nay requesting party receives a reply that informs approval of conclusion of lịch trực tiếp bóng đá hôm nay contract" (Clause 1 of Article 404) or "at lịch trực tiếp bóng đá hôm nay time lịch trực tiếp bóng đá hôm nay last party signs lịch trực tiếp bóng đá hôm nay written text of contract" (Clause 4 of Article 404), in fact, Insurance Company P already issued a certificate of insurance for Contract No. 0005 on March 24, 2015; Contract No. 0009 on March 24, 2015; Contract No. 0006 on March 26, 2015; Contract No. 0010 on March 26, 2015, and issued lịch trực tiếp bóng đá hôm nay VAT invoice to Company N, and received insurance premiums totaling VND 91,179,000 on May 7, 2015. Contracting parties did not enter into any other agreement on lịch trực tiếp bóng đá hôm nay contract effective date. Insurance Company P is obliged to indemnify Company N for loss or damage in accordance with lịch trực tiếp bóng đá hôm nay provisions of Clauses 1 and 3 of Article 15 regarding lịch trực tiếp bóng đá hôm nay time when insurance liability as provided in lịch trực tiếp bóng đá hôm nay Law on Amending and Supplementing a Number of Articles of lịch trực tiếp bóng đá hôm nay 2010 Law on Insurance Business.
ii) Contract termination: Under lịch trực tiếp bóng đá hôm nay provisions of Clause 2 of Article 23 of lịch trực tiếp bóng đá hôm nay Law on Insurance Business, lịch trực tiếp bóng đá hôm nay insurance contract shall be terminated in case where “Any insurance buying party fail to pay insurance premiums or does not pay insurance premiums as agreed upon in insurance contracts, unless otherwise agreed by contracting parties”.
Under lịch trực tiếp bóng đá hôm nay agreement made by lịch trực tiếp bóng đá hôm nay two parties in lịch trực tiếp bóng đá hôm nay payment terms of lịch trực tiếp bóng đá hôm nay boiler insurance contracts such as contract No. 0005, No. 0006, parties agreed that:
“In case lịch trực tiếp bóng đá hôm nay insured fails to pay insurance premium in full or fails to pay insurance premium according to lịch trực tiếp bóng đá hôm nay terms of payment set out in lịch trực tiếp bóng đá hôm nay insurance contract.”. According to lịch trực tiếp bóng đá hôm nay payment terms of lịch trực tiếp bóng đá hôm nay boiler insurance contract, insurance premium shall be paid to lịch trực tiếp bóng đá hôm nay insurer by bank transfer on a lump-sum basis." Company N paid lịch trực tiếp bóng đá hôm nay insurance premium by one-time transfer with lịch trực tiếp bóng đá hôm nay total amount of VND 91,179,000 and Insurance Company P1 already received lịch trực tiếp bóng đá hôm nay full sum.
“or other payment agreements made in writing by lịch trực tiếp bóng đá hôm nay two parties, lịch trực tiếp bóng đá hôm nay validity of lịch trực tiếp bóng đá hôm nay Insurance Contract shall be automatically terminated on lịch trực tiếp bóng đá hôm nay next day on which lịch trực tiếp bóng đá hôm nay insured has to pay lịch trực tiếp bóng đá hôm nay insurance premium as agreed upon in lịch trực tiếp bóng đá hôm nay Insurance Contract or enclosed Addenda (if any)”. As stipulated in Article 23, lịch trực tiếp bóng đá hôm nay terms of commitment to pay insurance premiums, including lịch trực tiếp bóng đá hôm nay clause prescribing Company N’s additional purchase, only apply if and only if it is more beneficial to Company N than lịch trực tiếp bóng đá hôm nay payment terms agreed on in lịch trực tiếp bóng đá hôm nay insurance contract” (but without prejudice to lịch trực tiếp bóng đá hôm nay rights of lịch trực tiếp bóng đá hôm nay parties hereto)”. As lịch trực tiếp bóng đá hôm nay explanation and representation aiming at denying lịch trực tiếp bóng đá hôm nay validity of lịch trực tiếp bóng đá hôm nay insurance contract and disclaiming their indemnity liability by Insurance Company P was not beneficial to Company N, lịch trực tiếp bóng đá hôm nay supplementary clause regarding payment was null and void. . On lịch trực tiếp bóng đá hôm nay other hand, lịch trực tiếp bóng đá hôm nay supplementary clause was a part of lịch trực tiếp bóng đá hôm nay Contract No. 15/DNI/XCG/3201/0005, not of lịch trực tiếp bóng đá hôm nay Contract No. 0005 (P-15/DNI/XCG/3201/0005); No. 15/DNI/XCG/3201/0006, and lịch trực tiếp bóng đá hôm nay Contract No. 0006 (P-15/DNI/XCG/3201/0006).
Based on public liability insurance contracts like Contract No. 0009 and No. 0010, Insurance Company P’s referring to Article 5 as a clause on commitment to pay insurance premium (within 15 days) to deny lịch trực tiếp bóng đá hôm nay validity of lịch trực tiếp bóng đá hôm nay contract, and disclaim lịch trực tiếp bóng đá hôm nay liability to indemnify Company N for lịch trực tiếp bóng đá hôm nay insured incident was unfounded, because it is not related to contract No. 0009 and No. 0010, and not beneficial to Company N if lịch trực tiếp bóng đá hôm nay following supplementary clauses were applied:
- Clauses regarding amendments and supplements to lịch trực tiếp bóng đá hôm nay insurance for public liability were part of lịch trực tiếp bóng đá hôm nay Contract No. 15/DNI/XCG/3303/0009, not of lịch trực tiếp bóng đá hôm nay Contract No. 0009 (P-15DNI/XCG/33 03/0009); were part of lịch trực tiếp bóng đá hôm nay Contract No. 15/DNI/XCG/3303/0010, and not part of lịch trực tiếp bóng đá hôm nay Contract No. 0010 (P-15/DNI/XCG/3303/0010);
- lịch trực tiếp bóng đá hôm nay terms of commitment to pay lịch trực tiếp bóng đá hôm nay insurance premium (within 15 days) are lịch trực tiếp bóng đá hôm nay additional clauses that apply only when they are more beneficial than lịch trực tiếp bóng đá hôm nay other terms agreed upon in lịch trực tiếp bóng đá hôm nay contract No. 0009 and No. 0010, but these contracts do not provide for lịch trực tiếp bóng đá hôm nay contract termination due to late payment of insurance premium.
2. Regarding lịch trực tiếp bóng đá hôm nay damage of lịch trực tiếp bóng đá hôm nay boiler No. 2: Insurance Company P deliberately evaded admitting lịch trực tiếp bóng đá hôm nay liability to pay indemnity against such damage under Contract No. 0008 as committed in lịch trực tiếp bóng đá hôm nay conclusion Part III of lịch trực tiếp bóng đá hôm nay Official Letter No. 130/P-DNI-CV dated November 24, 2015.
On lịch trực tiếp bóng đá hôm nay above-stated grounds, lịch trực tiếp bóng đá hôm nay authorized representative of Company N kept on filing lịch trực tiếp bóng đá hôm nay petition to sue but, on September 29, 2016 and at lịch trực tiếp bóng đá hôm nay first instance trial, lịch trực tiếp bóng đá hôm nay plaintiff's authorized representative withdraw part of lịch trực tiếp bóng đá hôm nay petition to sue as follows:
- Recognizing lịch trực tiếp bóng đá hôm nay validity of lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15 / DNI / XCG / 33 03/0009 dated March 24, 2015 between Insurance Company P1 and Insured Company N; Insurance Corporation P (Insurance Joint Stock Company P) must indemnify Company N for all damage resulting from occurrence of lịch trực tiếp bóng đá hôm nay insured incident.
- Recognizing lịch trực tiếp bóng đá hôm nay validity of lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15 / DNI / XCG / 33 03/0009 dated March 24, 2015 between Insurance Company P1 and Insured Company N; Insurance Corporation P (Insurance Joint Stock Company P) must indemnify Company N for all damage resulting from occurrence of lịch trực tiếp bóng đá hôm nay insured incident.
- Paying Company N VND 633,000,000 as lịch trực tiếp bóng đá hôm nay public liability insurance coverage for human loss or bodily injury under lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0009 dated March 24, 2015; lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0010 dated March 26, 2015; lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0057 dated September 30, 2015.
- Excluding lịch trực tiếp bóng đá hôm nay amount calculated at lịch trực tiếp bóng đá hôm nay interest rate of 150% on lịch trực tiếp bóng đá hôm nay indemnity amount stated in lịch trực tiếp bóng đá hôm nay indemnity claim due to Insurance Joint Stock Company P’s late payment of their obligation to pay insurance coverage.
- Withdrawing part of lịch trực tiếp bóng đá hôm nay petition to sue for an indemnity paid to Company N against all losses due to lịch trực tiếp bóng đá hôm nay explosion in lịch trực tiếp bóng đá hôm nay Biomass boiler No. 3 under Boiler Insurance Contract No. P-15/DNI/XCG/3201/0006 dated March 26, 2015. lịch trực tiếp bóng đá hôm nay withdrawn amount of indemnity was VND 18,184,750,678 and only VND 13,000,000,000 and VND 200,000,000 for cleanup work were claimed.
Company N’s authorized representative kept on claiming lịch trực tiếp bóng đá hôm nay remaining indemnity in lịch trực tiếp bóng đá hôm nay petition to sue and petitioned lịch trực tiếp bóng đá hôm nay Court to make its decision to force Insurance Corporation P (Insurance Joint Stock Company P) to:
1. Recognize lịch trực tiếp bóng đá hôm nay validity of lịch trực tiếp bóng đá hôm nay Boiler Insurance Contract No. P-15/DNI/XCG/3201/0006 dated March 26, 2015 between Insurance Company P1 and Insured Company N; Insurance Corporation P (Insurance Joint Stock Company P) must indemnify Company N for all losses and damage.
2. Recognize lịch trực tiếp bóng đá hôm nay validity of lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15 / DNI / XCG / 3303/0010 dated March 26, 2015 between Insurance Company P1 and Insured Company N; Insurance Corporation P (Insurance Joint Stock Company P) must indemnify Company N for all losses or damage.
3. Pay Company N an indemnity for all loss or damage to lịch trực tiếp bóng đá hôm nay Biomass boiler No. 3 under Boiler Insurance Contract No. P-15/DNI/XCG/3201/0006 dated March 26, 2015. lịch trực tiếp bóng đá hôm nay value of such indemnity was VND 13,000,000,000.
4. Pay VND 200,000,000 as lịch trực tiếp bóng đá hôm nay amount of indemnity for scene cleanup work.
5. Paying Company N VND 1,510,790,352 as lịch trực tiếp bóng đá hôm nay public liability insurance coverage for third party’s property loss or damage caused by lịch trực tiếp bóng đá hôm nay boiler No.3 explosion accident under lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0010 dated March 26, 2015; lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0057 dated September 30, 2015.
6. Pay Company N lịch trực tiếp bóng đá hôm nay amount of VND 500,000,000 as an indemnity for all loss or damage to lịch trực tiếp bóng đá hôm nay Biomass boiler No. 2 under Boiler Insurance Contract No. P-15/DNI/XCG/3201/0008 dated September 30, 2015.
7. Pay compensation for damage caused due to lịch trực tiếp bóng đá hôm nay delayed performance of lịch trực tiếp bóng đá hôm nay insurance indemnity obligation after 15 days from November 19, 2015 to lịch trực tiếp bóng đá hôm nay date of receipt of a full and valid claim (recorded in Insurance Company P1’s Official Letter No.130/P-DNI-CV dated January 24, 2015). This means that, from December 4, 2015 to lịch trực tiếp bóng đá hôm nay first-instance trial date of October 11, 2016, such compensation is calculated at lịch trực tiếp bóng đá hôm nay basic interest rate issued by lịch trực tiếp bóng đá hôm nay State Bank as follows: VND 15,210,790,352 x 10 months and 07 days x 9%/year = VND 1,167,428,159.
Aggregate of (3)+(4)+(5)+(6)+(7): VND 16,378,218,511.
Below is lịch trực tiếp bóng đá hôm nay additional section based on which lịch trực tiếp bóng đá hôm nay Court may consider giving its decision:
1. According to lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. 0009, No. 0010 and No. 0057, lịch trực tiếp bóng đá hôm nay jurisdiction to resolve disputes is settled by lịch trực tiếp bóng đá hôm nay competent People's Court as provided in Article 2.3 of these contracts.
2. Regarding boiler insurance contracts, based on Article 17 of lịch trực tiếp bóng đá hôm nay Commercial Arbitration Law No. 54/2010 / QH12 dated June 17, 2010; Clause 5 of Article 4 of Resolution No. 01/2014 / NQ-HDTP dated March 20, 2014 of lịch trực tiếp bóng đá hôm nay Panel of Judges of lịch trực tiếp bóng đá hôm nay Supreme People's Court, due to lịch trực tiếp bóng đá hôm nay boiler insurance rules bearing adjoining stamps with lịch trực tiếp bóng đá hôm nay pages of lịch trực tiếp bóng đá hôm nay insurance contract between lịch trực tiếp bóng đá hôm nay Insurer P1 and lịch trực tiếp bóng đá hôm nay Insured Company N, and prepared readily for use by lịch trực tiếp bóng đá hôm nay Insurance Company P1, including lịch trực tiếp bóng đá hôm nay arbitration arrangement, Company N is entitled to choose lịch trực tiếp bóng đá hôm nay Arbitrator or lịch trực tiếp bóng đá hôm nay Court to resolve dispute. Company N chose lịch trực tiếp bóng đá hôm nay Court to resolve lịch trực tiếp bóng đá hôm nay dispute.
lịch trực tiếp bóng đá hôm nay plaintiff’s authorized representative agreed with lịch trực tiếp bóng đá hôm nay Valuation Certificate No. 2003 / TDG-CT dated August 22, 2016 of Valuation Joint Stock Company D and had no other comments. lịch trực tiếp bóng đá hôm nay plaintiff's authorized representative listened to lịch trực tiếp bóng đá hôm nay Court’s explanation to Mr. Chu Thanh T as to Mr. T’s disagreement with lịch trực tiếp bóng đá hôm nay above-stated valuation certificate, in spite of Mr. T’s right to ask lịch trực tiếp bóng đá hôm nay Court to conduct reevaluation, Mr. T had no comment and requested lịch trực tiếp bóng đá hôm nay Court to give its judgment in accordance with lịch trực tiếp bóng đá hôm nay law.
At that point, there was no other request.
lịch trực tiếp bóng đá hôm nay defendant’s authorized representative gave lịch trực tiếp bóng đá hôm nay following comments:
A. Comments on matter No. 1 through matter No.7 included in lịch trực tiếp bóng đá hôm nay petition to sue filed by Company N on May 17, 2016 as follows:
I. Boiler insurance certificate No. P-15 / DNI / XCG / 3201/0006 was agreed upon and signed by Insurance Company P1 and Company N on March 26, 2015 in accordance with lịch trực tiếp bóng đá hôm nay law (lịch trực tiếp bóng đá hôm nay set of documents included in lịch trực tiếp bóng đá hôm nay insurance policy comprising Certificate of Insurance, Notice of Premium Collection, Rules of Insurance, and Additional Terms carrying Insurance Company P’s adjoining stamp). However, in lịch trực tiếp bóng đá hôm nay course of contract performance, Company N did not fulfill all lịch trực tiếp bóng đá hôm nay commitments in lịch trực tiếp bóng đá hôm nay contract, resulting in lịch trực tiếp bóng đá hôm nay contract’s termination before lịch trực tiếp bóng đá hôm nay time of occurrence of loss or damage, specifically as follows:
According to lịch trực tiếp bóng đá hôm nay terms of payment on lịch trực tiếp bóng đá hôm nay insurance certificate and lịch trực tiếp bóng đá hôm nay supplementary clause No. 23, lịch trực tiếp bóng đá hôm nay payment term is prescribed as follows:
1) lịch trực tiếp bóng đá hôm nay payment term corresponds to lịch trực tiếp bóng đá hôm nay period specified in lịch trực tiếp bóng đá hôm nay Certificate of Insurance:
“Premium payment term: Payment must be made within 15 days from March 26, 2015.
lịch trực tiếp bóng đá hôm nay payment terms specified in lịch trực tiếp bóng đá hôm nay contract: Insurance premiums will be paid to lịch trực tiếp bóng đá hôm nay insurer in cash, by check or bank transfer on a lump sum basis. Below are specific regulations:
In case where lịch trực tiếp bóng đá hôm nay insured fails to pay lịch trực tiếp bóng đá hôm nay insurance premium in full or fails to pay lịch trực tiếp bóng đá hôm nay premium under lịch trực tiếp bóng đá hôm nay payment terms of lịch trực tiếp bóng đá hôm nay insurance contract or other payment arrangements made in writing by both parties, lịch trực tiếp bóng đá hôm nay insurance contract will automatically expire on lịch trực tiếp bóng đá hôm nay subsequent day. lịch trực tiếp bóng đá hôm nay insured must pay insurance premiums as agreed upon in lịch trực tiếp bóng đá hôm nay Insurance Contract or lịch trực tiếp bóng đá hôm nay attached amendments/addenda (if any)”.
Therefore, according to lịch trực tiếp bóng đá hôm nay term of payment of insurance premium, Company N must pay lịch trực tiếp bóng đá hôm nay insurance premium to Insurance Company P by April 10, 2015 (this is also clearly stated by Insurance Company P in lịch trực tiếp bóng đá hôm nay Notice of Premium Collection sent to Company N on March 26, 2015).
2) Under lịch trực tiếp bóng đá hôm nay supplementary clause No. 23: lịch trực tiếp bóng đá hôm nay clause on commitment to paying insurance premiums (within 30 days):
“1) lịch trực tiếp bóng đá hôm nay parties hereby agree and acknowledge that, regardless of any contrary conditions in this insurance policy, and on lịch trực tiếp bóng đá hôm nay basis of compliance with lịch trực tiếp bóng đá hôm nay condition No. 2 below (but without prejudice to lịch trực tiếp bóng đá hôm nay rights of lịch trực tiếp bóng đá hôm nay parties under this policy), lịch trực tiếp bóng đá hôm nay prerequisite for binding Insurance Company P to its liability under lịch trực tiếp bóng đá hôm nay insurance policy, lịch trực tiếp bóng đá hôm nay renewal certificate, lịch trực tiếp bóng đá hôm nay supplementary clause or lịch trực tiếp bóng đá hôm nay provisional certificate of insurance is that lịch trực tiếp bóng đá hôm nay insured must pay in full all insurance premiums already calculated while Insurance Company P, lịch trực tiếp bóng đá hôm nay broker or lịch trực tiếp bóng đá hôm nay insurance agent who issued or managed this insurance policy must receive such premium with lịch trực tiếp bóng đá hôm nay payment term specified as follows:
(a) If lịch trực tiếp bóng đá hôm nay insurance period is 30 days or more, lịch trực tiếp bóng đá hôm nay payment must be made within 30 days from:
(i) lịch trực tiếp bóng đá hôm nay effective date of lịch trực tiếp bóng đá hôm nay insurance policy, renewal certificate, or provisional certificate of insurance.
(ii) lịch trực tiếp bóng đá hôm nay effective date specified in each additional clause (if any) included in lịch trực tiếp bóng đá hôm nay insurance policy, renewal certificate, provisional certificate of insurance, if lịch trực tiếp bóng đá hôm nay declared effective date of insurance falls on or after lịch trực tiếp bóng đá hôm nay date of announcement of supplementary clause.
(iii) lịch trực tiếp bóng đá hôm nay date of issuance of each supplementary clause (if any) specified in lịch trực tiếp bóng đá hôm nay insurance policy, renewal certificate, provisional certificate of insurance, if lịch trực tiếp bóng đá hôm nay effective date prescribed in this supplementary clause precedes lịch trực tiếp bóng đá hôm nay date of issuance.
Or
(b) If lịch trực tiếp bóng đá hôm nay period of insurance is less than 60 days, lịch trực tiếp bóng đá hôm nay payment must fall within lịch trực tiếp bóng đá hôm nay policy period specified in lịch trực tiếp bóng đá hôm nay insurance policy, lịch trực tiếp bóng đá hôm nay insurance policy, lịch trực tiếp bóng đá hôm nay supplementary clause, or provisional certificate of insurance.
2) In lịch trực tiếp bóng đá hôm nay case of lịch trực tiếp bóng đá hôm nay insurance premium mentioned above has not been fully paid to Insurance Company P, lịch trực tiếp bóng đá hôm nay broker or agent as declared according to lịch trực tiếp bóng đá hôm nay nature and time mentioned above (guarantee period of insurance premium payment), lịch trực tiếp bóng đá hôm nay insurance effect under lịch trực tiếp bóng đá hôm nay insurance policy, renewal certificate, supplementary terms, or provisional certificate will be deemed terminated from lịch trực tiếp bóng đá hôm nay expiry date of lịch trực tiếp bóng đá hôm nay period of payment guarantee, and Insurance Company P shall be exempt from all liabilities from then on, and to such extent, Insurance Company P will be entitled to lịch trực tiếp bóng đá hôm nay insurance premium calculated in proportion to lịch trực tiếp bóng đá hôm nay effective dates of lịch trực tiếp bóng đá hôm nay policy, but not less than 20 USD.”
Therefore, according to this premium payment term, Company N must pay lịch trực tiếp bóng đá hôm nay insurance premium to Insurance Company P by May 1, 2015.
Based on lịch trực tiếp bóng đá hôm nay above payment agreements, before May 1, 2015 at lịch trực tiếp bóng đá hôm nay latest, Company N must pay lịch trực tiếp bóng đá hôm nay premium according to lịch trực tiếp bóng đá hôm nay boiler insurance certificate No. P-15 / DNI / XCG / 3201/0006 to Insurance Company P but, until May 7, 2015, Insurance Company P received lịch trực tiếp bóng đá hôm nay insurance premium from Company N (7 days late compared to lịch trực tiếp bóng đá hôm nay due date specified in lịch trực tiếp bóng đá hôm nay provisions of lịch trực tiếp bóng đá hôm nay supplementary clause No. 23, and 26 days late compared to lịch trực tiếp bóng đá hôm nay due date specified in lịch trực tiếp bóng đá hôm nay payment terms set forth in lịch trực tiếp bóng đá hôm nay insurance certificate).
Therefore, based on lịch trực tiếp bóng đá hôm nay payment terms set forth in lịch trực tiếp bóng đá hôm nay insurance certificate and supplementary clause No. 23; Pursuant to Item a, Clause 2, Article 18 and Clause 2, Article 23 of lịch trực tiếp bóng đá hôm nay Law on Insurance Business; Clause 4, Article 2 of Circular No. 194/2014 / TT-BTC, dated December 17, 2014, effective on February 1, 2015 of lịch trực tiếp bóng đá hôm nay Ministry of Finance, lịch trực tiếp bóng đá hôm nay loss or damage resulting from lịch trực tiếp bóng đá hôm nay explosion in lịch trực tiếp bóng đá hôm nay Biomass boiler No. 3 with a capacity of 30 tonnes / h according to lịch trực tiếp bóng đá hôm nay boiler insurance certificate number: P-15 / DNI / XCG / 3201/0006 occurred on November 13, 2015 that Company N caused for Paper Single-member Limited Liability Company - Industrial Park M, T district, Ba Ria - Vung Tau province did not fall within lịch trực tiếp bóng đá hôm nay scope of insurance liability assumed by Insurance Company P because lịch trực tiếp bóng đá hôm nay insurance contract number: P-15 / DNI / XCG / 3201/0006 ceased to be effective on May 1, 2015, before lịch trực tiếp bóng đá hôm nay date of occurrence of such loss, November 13, 2015.
II. lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0010 was agreed upon and signed by Insurance Company P1 and Company N on March 26, 2015 (lịch trực tiếp bóng đá hôm nay set of insurance policy documents comprising Insurance Contract, Rules of Insurance and Additional/supplementary Terms/Clauses carrying lịch trực tiếp bóng đá hôm nay adjoining stamp). However, in lịch trực tiếp bóng đá hôm nay course of contract performance, Company N did not fulfill all lịch trực tiếp bóng đá hôm nay commitments in lịch trực tiếp bóng đá hôm nay contract, resulting in lịch trực tiếp bóng đá hôm nay contract’s termination before lịch trực tiếp bóng đá hôm nay time of occurrence of loss or damage, specifically as follows:
According to lịch trực tiếp bóng đá hôm nay certificate of insurance and supplementary terms, lịch trực tiếp bóng đá hôm nay payment term/due date/deadline is prescribed as follows:
1. According to lịch trực tiếp bóng đá hôm nay payment term specified in lịch trực tiếp bóng đá hôm nay Certificate of Insurance, lịch trực tiếp bóng đá hôm nay premium payment term is 15 days from lịch trực tiếp bóng đá hôm nay date of issuance of lịch trực tiếp bóng đá hôm nay Certificate of Insurance”.
Therefore, according to this term of payment of insurance premium, Company N must pay lịch trực tiếp bóng đá hôm nay insurance premium to Insurance Company P by April 10, 2015 (this was also clearly stated by Insurance Company P in lịch trực tiếp bóng đá hôm nay Notice of Premium Collection sent to Company N on March 26, 2015).
2. Under lịch trực tiếp bóng đá hôm nay supplementary clause No. 23: lịch trực tiếp bóng đá hôm nay clause on commitment to paying insurance premium prescribes that: “Notwithstanding any contradiction specified herein and based solely on and without prejudice to article 2 set out below, lịch trực tiếp bóng đá hôm nay contracting parties pronounce and agree that lịch trực tiếp bóng đá hôm nay precondition for indemnity liability under this policy or lịch trực tiếp bóng đá hôm nay certificate of renewal, amendment or provisional certificate of insurance is that any premium due must be paid to and fully received by lịch trực tiếp bóng đá hôm nay Insurance Company, licensed brokers or agents:
(a) If lịch trực tiếp bóng đá hôm nay insurance period is 30 days or more, lịch trực tiếp bóng đá hôm nay payment must be made within 30 days from:
(i) lịch trực tiếp bóng đá hôm nay effective date of lịch trực tiếp bóng đá hôm nay insurance policy, renewal certificate, or provisional certificate of insurance, or
(ii) lịch trực tiếp bóng đá hôm nay effective date specified in each amendment (if any) included in lịch trực tiếp bóng đá hôm nay insurance policy, insurance renewal certificate, provisional certificate of insurance, if that effective date falls on or after lịch trực tiếp bóng đá hôm nay date of announcement of such amendment, or
(iii) lịch trực tiếp bóng đá hôm nay date of announcement of each amendment (if any) announced in lịch trực tiếp bóng đá hôm nay insurance policy, insurance renewal certificate, provisional certificate of insurance, if lịch trực tiếp bóng đá hôm nay effective date specified in that amendment is ahead of lịch trực tiếp bóng đá hôm nay announcement date.
(b) If lịch trực tiếp bóng đá hôm nay period of insurance is less than 7 days, falling within lịch trực tiếp bóng đá hôm nay scope of insurance coverage specified in lịch trực tiếp bóng đá hôm nay insurance policy, insurance renewal certificate or provisional certificate of insurance.
When any of lịch trực tiếp bóng đá hôm nay foregoing premiums is not paid in full to lịch trực tiếp bóng đá hôm nay Insurance Company, broker or agent registered as described above, according to lịch trực tiếp bóng đá hôm nay above method and deadline ("Term of commitment to paying lịch trực tiếp bóng đá hôm nay premium"), lịch trực tiếp bóng đá hôm nay insurance under lịch trực tiếp bóng đá hôm nay policy, renewal certificate or provisional insurance certificate will be automatically terminated from lịch trực tiếp bóng đá hôm nay effective date of lịch trực tiếp bóng đá hôm nay contract and lịch trực tiếp bóng đá hôm nay Insurance Company will be relieved of all liabilities from that date".
Therefore, according to this premium payment term, Company N must pay lịch trực tiếp bóng đá hôm nay insurance premium to Insurance Company P by May 1, 2015.
Based on lịch trực tiếp bóng đá hôm nay above payment agreements, before May 1, 2015 at lịch trực tiếp bóng đá hôm nay latest, Company N must pay lịch trực tiếp bóng đá hôm nay premium according to lịch trực tiếp bóng đá hôm nay public liability insurance contract No. P-15/DNI/XCG/3303/0010 to Insurance Company P but, until May 7, 2015, Insurance Company P received lịch trực tiếp bóng đá hôm nay insurance premium from Company N (7 days late compared to lịch trực tiếp bóng đá hôm nay due date specified in lịch trực tiếp bóng đá hôm nay provisions of lịch trực tiếp bóng đá hôm nay supplementary clause No. 23, and 26 days late compared to lịch trực tiếp bóng đá hôm nay due date specified in lịch trực tiếp bóng đá hôm nay payment terms set forth in lịch trực tiếp bóng đá hôm nay insurance certificate).
Therefore, based on lịch trực tiếp bóng đá hôm nay payment terms set forth in lịch trực tiếp bóng đá hôm nay insurance contract; Pursuant to Item a, Clause 2, Article 18 and Clause 2, Article 23 of lịch trực tiếp bóng đá hôm nay Law on Insurance Business; Clause 4, Article 2 of Circular No. 194/2014 / TT-BTC, dated December 17, 2014, effective on February 1, 2015 of lịch trực tiếp bóng đá hôm nay Ministry of Finance, Insurance Company P1 is not liable to pay indemnity for legal liabilities assumed by Company N to lịch trực tiếp bóng đá hôm nay third party in relation to lịch trực tiếp bóng đá hôm nay loss or damage resulting from lịch trực tiếp bóng đá hôm nay explosion in lịch trực tiếp bóng đá hôm nay Biomass boiler No. 3 with a capacity of 30 tonnes / h according to lịch trực tiếp bóng đá hôm nay public liability insurance contract number: P-15/DNI/XCG/3303/0010, occurred on November 13, 2015 at Paper Single-member Limited Liability Company - Industrial Park M, T district, Ba Ria - Vung Tau province because this insurance contract ceased to be effective on May 1, 2015, before lịch trực tiếp bóng đá hôm nay date of occurrence of such loss, November 13, 2015.
III. Boiler insurance certificate No. P-15 / DNI / XCG / 3201/0008 was agreed upon and signed by Insurance Company P1 and Company N on September 30, 2015 (lịch trực tiếp bóng đá hôm nay set of documents included in lịch trực tiếp bóng đá hôm nay insurance policy comprising Certificate of Insurance, Notice of Premium Collection, Rules of Insurance, and Additional Terms carrying Insurance Company P’s adjoining stamp). After consulting this document, Insurance Company P herein gave lịch trực tiếp bóng đá hôm nay following statement:
As Company N has fully discharged their obligations under lịch trực tiếp bóng đá hôm nay contract P-15/DNI/XCG/3201/0008 for insurance for Biomass Boiler No. 2, Insurance Company P will consider paying indemnity according to regulations. This was mentioned in Insurance Company P’s Official Letter No. 130/P-DNI-CV dated November 24, 2015. Currently, lịch trực tiếp bóng đá hôm nay Inspection Company has been invited by mutual agreement by lịch trực tiếp bóng đá hôm nay parties to conduct lịch trực tiếp bóng đá hôm nay inspection or expertise for Biomass boiler No. 2 and lịch trực tiếp bóng đá hôm nay inspection/expertise is underway. Whenever lịch trực tiếp bóng đá hôm nay expertise results, Insurance Company P will proceed to pay indemnity in accordance with regulations.
For lịch trực tiếp bóng đá hôm nay loss or damage to boiler No. 2, Insurance Company P did not evade responsibility as lịch trực tiếp bóng đá hôm nay plaintiff put it. Insurance Company P1 in collaboration with Company N and lịch trực tiếp bóng đá hôm nay Inspection Joint Stock Company B determined lịch trực tiếp bóng đá hôm nay damage value on lịch trực tiếp bóng đá hôm nay basis of which Insurance Company P1 will make compensation as prescribed. Currently, lịch trực tiếp bóng đá hôm nay case is under procedure, so they ask lịch trực tiếp bóng đá hôm nay court to consider not accepting this matter.
IV. lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0010 was agreed upon and signed by Insurance Company P1 and Company N on March 24, 2015 in accordance with law (lịch trực tiếp bóng đá hôm nay set of insurance policy documents comprising Insurance Contract, Notice of Premium Collection, Rules of Insurance and Additional/supplementary Terms/Clauses carrying lịch trực tiếp bóng đá hôm nay adjoining stamp of lịch trực tiếp bóng đá hôm nay Insurance Company P).
According to this insurance contract, lịch trực tiếp bóng đá hôm nay insured location is at Company H, not related to lịch trực tiếp bóng đá hôm nay loss that occurred at Paper Company S.
Hence, they requested lịch trực tiếp bóng đá hôm nay court not to consider this matter.
V. As for claim for indemnity for human loss filed by lịch trực tiếp bóng đá hôm nay Company N under lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0009 dated March 24, 2015; lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0010 dated March 26, 2015; lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0057 dated September 30, 2015, they petitioned lịch trực tiếp bóng đá hôm nay court to reject any claim on lịch trực tiếp bóng đá hôm nay ground that public liability insurance contracts cannot protect hired employees of lịch trực tiếp bóng đá hôm nay insured.
VI. For any loss incurred to lịch trực tiếp bóng đá hôm nay third party under lịch trực tiếp bóng đá hôm nay insurance contract No. P-15/DNI/XCG/3303/0057, Insurance Company P1 is collaborating with Company N and lịch trực tiếp bóng đá hôm nay Inspection Joint Stock Company B to determine lịch trực tiếp bóng đá hôm nay damage value on lịch trực tiếp bóng đá hôm nay basis of which Insurance Company P1 will make compensation as prescribed. Currently, lịch trực tiếp bóng đá hôm nay case is under procedure, so they asked lịch trực tiếp bóng đá hôm nay court to consider not accepting this matter.
B. Comments on lịch trực tiếp bóng đá hôm nay matter No. 9 in lịch trực tiếp bóng đá hôm nay petition to sue filed by Company N on May 17, 2016 as follows:
lịch trực tiếp bóng đá hôm nay calculation of interest rate on late payment of compensation for all lawsuit items is unfounded for lịch trực tiếp bóng đá hôm nay following reasons:
1) Boiler insurance certificate number: P-15 / DNI / XCG / 3201/0006 and public liability insurance contract number: P-15 / DNI / XCG / 3303/0010 ceased to be effective on May 1, 2015 before lịch trực tiếp bóng đá hôm nay date of lịch trực tiếp bóng đá hôm nay loss occurring on November 13, 2015 as stated in given opinions under sections I and II of Part A. This means that lịch trực tiếp bóng đá hôm nay calculation of interest rate on late payment of compensation is unfounded.
2. Boiler insurance certificate number: P-15 / DNI / XCG / 3201/0008 and public liability insurance contract number: P-15 / DNI / XCG / 3303/0057.
On November 24, 2015, Insurance Company P1 has issued lịch trực tiếp bóng đá hôm nay Notice No. 130 / P-DNI-CV, announcing that: “Your company has fulfilled obligation to pay premiums in accordance with regulations, and Insurance Company P will collaborate with/guide you to perform next steps to consider lịch trực tiếp bóng đá hôm nay scope and insurance liability of lịch trực tiếp bóng đá hôm nay listed losses according to this insurance certificate.”
After lịch trực tiếp bóng đá hôm nay loss occured, Insurance Company P hired Inspection Company B to cooperate with / instruct Company N to collect documents to determine lịch trực tiếp bóng đá hôm nay cause and extent of lịch trực tiếp bóng đá hôm nay loss to form a basis for considering compensation for losses under this Insurance Contract (hiring an independent inspection company B to conduct expertise was approved by Insurance Company P and Company N). But until now, Company N has not provided sufficient documents proving lịch trực tiếp bóng đá hôm nay loss according to lịch trực tiếp bóng đá hôm nay written request and instructions given in many meetings held by Inspection Joint Stock Company B. Insurance Company P is responsible for compensation within 15 days from lịch trực tiếp bóng đá hôm nay date of receipt of a complete and valid file in accordance with lịch trực tiếp bóng đá hôm nay Law on Insurance Business, insurance rules and insurance contract in effect. In this case, Company N has not provided sufficient documents as prescribed, so Insurance Company P cannot compensate for Biomass Boiler No. 2 damage. Given this situation, it cannot be assumed that Insurance Company P is late in performing its obligations as put it in lịch trực tiếp bóng đá hôm nay petition to sue filed by Company N.
3. Benchmark time for making lịch trực tiếp bóng đá hôm nay complaint about late fulfillment of compensation obligations:
lịch trực tiếp bóng đá hôm nay loss occurred on November 13, 2015 while Company N complained about lịch trực tiếp bóng đá hôm nay late performance of compensation obligations since January 19, 2015. lịch trực tiếp bóng đá hôm nay date that Company N mentioned for calculation of lịch trực tiếp bóng đá hôm nay interest rate was not related to lịch trực tiếp bóng đá hôm nay time of loss, nor is it related to lịch trực tiếp bóng đá hôm nay Official Letter 130 / PHCO-DNI-CV dated November 24, 2015 that P1 Insurance sent to Company N.
4. Regulations on compensation for late discharge of payment obligations:
Under lịch trực tiếp bóng đá hôm nay Insurance Business Law and insurance rules, lịch trực tiếp bóng đá hôm nay insurer is responsible for paying compensation to lịch trực tiếp bóng đá hôm nay insured within 15 days of receipt of a complete and valid dossier as prescribed.
Insurance Company P has fulfilled its responsibilities in accordance with lịch trực tiếp bóng đá hôm nay terms and conditions agreed by lịch trực tiếp bóng đá hôm nay parties in lịch trực tiếp bóng đá hôm nay insurance contracts and lịch trực tiếp bóng đá hôm nay insurance certificate No. P-15 / DNI / XCG / 3201. / 0006; P-15 / DNI / XCG / 3303/0010 and P-15 / DNI / XCG / 3303/0009. lịch trực tiếp bóng đá hôm nay refusal of compensation based on these Contracts / Certificates is conformable to lịch trực tiếp bóng đá hôm nay commitments made in lịch trực tiếp bóng đá hôm nay Contract and lịch trực tiếp bóng đá hôm nay Law on Insurance Business; Circular No. 194/2014 / TT-BTC dated December 17, 2014, in effect on February 1, 2015, of lịch trực tiếp bóng đá hôm nay Ministry of Finance. From lịch trực tiếp bóng đá hôm nay foregoing reasons, they are asking that lịch trực tiếp bóng đá hôm nay Court dismiss all of lịch trực tiếp bóng đá hôm nay plaintiff's claims.
Regarding lịch trực tiếp bóng đá hôm nay valuation certificate No. 2003 / TDG-CT dated August 22, 2016 of Valuation Joint Stock Company D, Insurance Company P had an objecting opinion against lịch trực tiếp bóng đá hôm nay above valuation certificate because lịch trực tiếp bóng đá hôm nay valuation was not appropriate and not in compliance with lịch trực tiếp bóng đá hôm nay law. After lịch trực tiếp bóng đá hôm nay court explained that lịch trực tiếp bóng đá hôm nay defendant has lịch trực tiếp bóng đá hôm nay right to request a reevaluation, lịch trực tiếp bóng đá hôm nay defendant sent their opinion to lịch trực tiếp bóng đá hôm nay Court to state that using lịch trực tiếp bóng đá hôm nay valuation certificate as a basis to claim insurance indemnity was in breach of regulations of laws on insurance indemnity. They request lịch trực tiếp bóng đá hôm nay court to try lịch trực tiếp bóng đá hôm nay case in accordance with law.
lịch trực tiếp bóng đá hôm nay person with related rights and obligations of Insurance Company P1 represented by Mr. Chu Thanh T gave lịch trực tiếp bóng đá hôm nay following comments:
Agreeing to lịch trực tiếp bóng đá hôm nay defendant's opinion in lịch trực tiếp bóng đá hôm nay self-declaration dated June 27, 2016, lịch trực tiếp bóng đá hôm nay records of mediation and no other comments. lịch trực tiếp bóng đá hôm nay opinions of Insurance Corporation P (Insurance Company P) sent to lịch trực tiếp bóng đá hôm nay Court were also lịch trực tiếp bóng đá hôm nay opinions of Mr. T acting as lịch trực tiếp bóng đá hôm nay legal representative of lịch trực tiếp bóng đá hôm nay person with related rights and obligations of Insurance Company P1.
lịch trực tiếp bóng đá hôm nay person with related rights and obligations of Joint Stock Commercial Bank V represented by Mrs. Ha Thi Thanh H gave lịch trực tiếp bóng đá hôm nay following comments:
- On May 8, 2013, Company N (hereinafter referred to as lịch trực tiếp bóng đá hôm nay customer) pledged lịch trực tiếp bóng đá hôm nay boiler system installed at Joint Stock Company H as a collateral to Joint Stock Commercial Bank V - Branch B (hereinafter referred to as Bank) under lịch trực tiếp bóng đá hôm nay property mortgage contract No. 069/13 / VCB. BH on May 8, 2013. This boiler system installed at Joint Stock Company H was protected under lịch trực tiếp bóng đá hôm nay insurance contract purchased by lịch trực tiếp bóng đá hôm nay customer as follows:
+ Boiler insurance contract number P-15 / DNI / XCG / 3201/0005 dated March 24, 2015 with lịch trực tiếp bóng đá hôm nay first beneficiary which is Joint Stock Commercial Bank V - Branch B, lịch trực tiếp bóng đá hôm nay insurance coverage amount which is 6,500,000,000 VND and lịch trực tiếp bóng đá hôm nay insurance period from April 1, 2015 to March 31, 2016.
+ Public liability contract number P-15 / DNI / XCG / 3201/0005 dated March 24, 2015 with lịch trực tiếp bóng đá hôm nay first beneficiary which is Joint Stock Commercial Bank V - Branch B, lịch trực tiếp bóng đá hôm nay insurance coverage amount which is 21,000,000,000 VND and lịch trực tiếp bóng đá hôm nay insurance period from April 1, 2015 to March 31, 2016.
- On October 1, 2014, Company N mortgaged assets to lịch trực tiếp bóng đá hôm nay Bank being a boiler system installed at Paper S Company Limited (Boiler No. 2), under Property Mortgage Contract No. 207/14 / VCB.BH on October 1, 2014. lịch trực tiếp bóng đá hôm nay No. 2 boiler system installed at Paper Company S was protected by insurance purchased by lịch trực tiếp bóng đá hôm nay customer as follows:
+ Boiler insurance contract number P-15 / DNI / XCG / 3201/0008 dated September 30, 2015 with lịch trực tiếp bóng đá hôm nay first beneficiary which is Joint Stock Commercial Bank V - Branch B, with lịch trực tiếp bóng đá hôm nay insurance coverage amount which is 5,400,000,000 VND and lịch trực tiếp bóng đá hôm nay insurance period from October 1, 2015 to October 1, 2016.
+ Public liability contract number P-15 / DNI / XCG / 3303/0057 dated September 30, 2015 with lịch trực tiếp bóng đá hôm nay first beneficiary which is Joint Stock Commercial Bank V - Branch B, lịch trực tiếp bóng đá hôm nay insurance coverage amount which is 21,000,000,000 VND and lịch trực tiếp bóng đá hôm nay insurance period from October 1, 2015 to October 1, 2016.
- On February 6, 2015, Company N mortgaged assets to lịch trực tiếp bóng đá hôm nay Bank being a boiler system installed at Paper S Company Limited (Boiler No. 3), under Property Mortgage Contract No. 055/15/VCB.BH on February 6, 2015. lịch trực tiếp bóng đá hôm nay No. 3 boiler system installed at Paper Company S was protected by insurance purchased by lịch trực tiếp bóng đá hôm nay customer as follows:
+ Boiler insurance contract number P-15 / DNI / XCG / 3201/0006 dated March 26, 2015 with lịch trực tiếp bóng đá hôm nay first beneficiary which is Joint Stock Commercial Bank V - Branch B, with lịch trực tiếp bóng đá hôm nay insurance coverage amount which is 13,000,000,000 VND and lịch trực tiếp bóng đá hôm nay insurance period from April 1, 2015 to March 31, 2016.
+ Public liability contract number P-15 / DNI / XCG / 3303/0010 dated March 26, 2015 with lịch trực tiếp bóng đá hôm nay first beneficiary which is Joint Stock Commercial Bank V - Branch B, lịch trực tiếp bóng đá hôm nay insurance coverage amount which is 21,000,000,000 VND and lịch trực tiếp bóng đá hôm nay insurance period from April 1, 2015 to March 31, 2016.
lịch trực tiếp bóng đá hôm nay foregoing assets were used to secure Company N’s loans with Joint Stock Commercial Bank V - Branch B under credit facility agreements with lịch trực tiếp bóng đá hôm nay following details:
|
No. |
Contract No. |
Lending purposes |
Loan amount |
Loan term (month) |
Applicable interest rate |
Outstanding balance |
|
1 |
0061.15/48.05-HMTD dated 06-02-2015; Appendix No. 01/0061.15/48.05- HMTD dated 15-06-2015 and Appendix No. 01/0061.15/48.05- HMTD dated 16-12-2015 |
Supplementation of working capital for production and business purposes |
8,000 |
12 |
7.30% |
8,991 |
|
2 |
0050.14/48.05-DTDA dated 11-03-2014 |
Payment of costs of purchase of brand-new Thaco Auman truck |
425 |
36 |
10.00% |
157 |
|
3 |
0425.14/48.05-DTDA dated 01-10-2014 |
Payment of costs of purchase of machinery, equipment, supplies and other costs related to investment in construction of boiler equipment system |
4,500 |
48 |
10.00% |
3,226 |
|
4 |
0033.15/48.TN-XE dated 16-04-2015 |
Payment of costs of purchase of brand-new Thaco Auman truck |
561 |
36 |
10.00% |
358 |
|
5 |
0136.15/48.TN-XE dated 08-06-2015 |
Payment of costs of purchase of brand-new Thaco Auman truck |
564 |
36 |
10.00% |
392 |
|
6 |
0146.15/48.TN-XE dated 16-06-2015 |
Payment of costs of purchase of brand-new Thaco Auman truck |
319 |
36 |
10.00% |
221 |
|
7 |
0382.15/15.BL- DTDA dated 12-11-2015 |
Payment of costs of purchase of machinery, equipment, supplies and other costs related to investment in construction of boiler equipment system |
6,000 |
48 |
10.00% |
5,950 |
|
Total |
16,300 |
|
|
19,295 |
||
- According to lịch trực tiếp bóng đá hôm nay report of lịch trực tiếp bóng đá hôm nay boiler explosion incident of Company N to Joint Stock Commercial Bank V - Branch B on November 16, 2015, at approximately 00:30 AM on November 13, 2015, at S Paper Company, Industrial Park M, district T, Ba Ria - Vung Tau province, lịch trực tiếp bóng đá hôm nay explosion of lịch trực tiếp bóng đá hôm nay No. 3 boiler of customer took place. This incident caused complete damage to lịch trực tiếp bóng đá hôm nay mortgaged assets at lịch trực tiếp bóng đá hôm nay Bank under Mortgage Contract No. 055/15 / VCB.BH on February 6, 2015 of which lịch trực tiếp bóng đá hôm nay value is estimated at VND 13,000,000,000.
- On November 16, 2015, lịch trực tiếp bóng đá hôm nay Bank visited lịch trực tiếp bóng đá hôm nay incident scene and worked with Company N (details provided in lịch trực tiếp bóng đá hôm nay Working Record dated November 16, 2015). lịch trực tiếp bóng đá hôm nay bank required customers to provide details of lịch trực tiếp bóng đá hôm nay mortgage status, and actively worked with Insurance Company P1 to compensate for such damage caused by lịch trực tiếp bóng đá hôm nay incident.
According to lịch trực tiếp bóng đá hôm nay Notice of Acceptance of lịch trực tiếp bóng đá hôm nay case No. 72/2016 / TB-KDTM dated June 2, 2016 of lịch trực tiếp bóng đá hôm nay People's Court of Bien Hoa City on lịch trực tiếp bóng đá hôm nay "Dispute of Insurance Contract", Company N requested lịch trực tiếp bóng đá hôm nay Court to resolve lịch trực tiếp bóng đá hôm nay following specific issues:
1. Recognizing lịch trực tiếp bóng đá hôm nay validity of lịch trực tiếp bóng đá hôm nay Boiler Insurance Contract No. P-15/DNI/XCG/3201/0006 dated March 26, 2015 between Insurance Company P1 and Insured Company N; Insurance Corporation P (Insurance Joint Stock Company P) must indemnify Company N for all losses and damage hereunder.
2. Recognizing lịch trực tiếp bóng đá hôm nay validity of lịch trực tiếp bóng đá hôm nay Boiler Insurance Contract No. P-15/DN1/XCG/3303/0010 dated March 26, 2015 between Insurance Company P1 and Insured Company N; Insurance Corporation P (Insurance Joint Stock Company P) must indemnify Company N for all losses and damage hereunder.
3. Recognizing lịch trực tiếp bóng đá hôm nay validity of lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15 / DNI / XCG / 3201/0005 dated March 24, 2015 between Insurance Company P1 and Insured Company N; Insurance Corporation P (Insurance Joint Stock Company P) must indemnify Company N for all damage resulting from occurrence of lịch trực tiếp bóng đá hôm nay insured incident.
4. Recognizing lịch trực tiếp bóng đá hôm nay validity of lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15 / DNI / XCG / 3303/0009 dated March 24, 2015 between Insurance Company P1 and Insured Company N; Insurance Corporation P (Insurance Joint Stock Company P) must indemnify Company N for all damage resulting from occurrence of lịch trực tiếp bóng đá hôm nay insured incident.
5. Paying Company N lịch trực tiếp bóng đá hôm nay amount of VND 18,184,750,678 as an indemnity for all loss or damage to lịch trực tiếp bóng đá hôm nay Biomass boiler No. 3 under Boiler Insurance Contract No. P-15/DNI/XCG/3201/0006 dated March 26, 2015.
6. Paying Company N VND 633,000,000 as lịch trực tiếp bóng đá hôm nay public liability insurance coverage for human loss or bodily injury under lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0009 dated March 24, 2015; lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0010 dated March 26, 2015; lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0057 dated September 30, 2015.
7. Paying Company N VND 1,510,790,352 as lịch trực tiếp bóng đá hôm nay public liability insurance coverage for third party’s property loss or damage caused by lịch trực tiếp bóng đá hôm nay boiler No.3 explosion accident under lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0009 dated March 24, 2015; lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0010 dated March 26, 2015; lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0057 dated September 30, 2015.
8. Paying Company N lịch trực tiếp bóng đá hôm nay amount of VND 500,000,000 as an indemnity for all loss or damage to lịch trực tiếp bóng đá hôm nay Biomass boiler No. 3 under Boiler Insurance Contract No. P-15/DNI/XCG/3201/0008 dated September 30, 2015.
9. Paying compensation for damage caused due to lịch trực tiếp bóng đá hôm nay delayed performance of lịch trực tiếp bóng đá hôm nay insurance indemnity obligation after 15 days from January 19, 2015 (recorded in Insurance Company P1’s Official Letter No.130/P-DNI-CV dated November 24, 2015) to lịch trực tiếp bóng đá hôm nay date of first instance trial at lịch trực tiếp bóng đá hôm nay market interest rate on deferred payments: VND 20,828,541,030 x 15 months (temporarily calculated from February 4, 2015 to May 4, 2016) x 9%/year x 150% = VND 3,514,816,298.
Total (5)+(6)+(7)+(8)+(9): VND 24,343,357,328.
For lịch trực tiếp bóng đá hôm nay matters raised in Company N’s petition to sue lịch trực tiếp bóng đá hôm nay Insurance Corporation P (Insurance Joint Stock Company P) and at lịch trực tiếp bóng đá hôm nay trial, Joint Stock Commercial Bank V requested lịch trực tiếp bóng đá hôm nay Court to adjudicate according to regulations of law.
lịch trực tiếp bóng đá hôm nay Bank had no comments on lịch trực tiếp bóng đá hôm nay Valuation Certificate No. 2003 / TDG-CT dated August 22, 2016 of Valuation Joint Stock Company D and requested lịch trực tiếp bóng đá hôm nay Court to issue its decision in accordance with law.
In lịch trực tiếp bóng đá hôm nay first-instance commercial business verdict No. 50/2016/KDTM-ST dated October 11, 2016, lịch trực tiếp bóng đá hôm nay People’s Court of Bien Hoa city decided:
Accepting Company N’s petition to sue.
Forcing Insurance Joint Stock Corporation P (Joint Stock Company P) to:
1. Recognize lịch trực tiếp bóng đá hôm nay validity of lịch trực tiếp bóng đá hôm nay Boiler Insurance Contract No. P-15/DNI/XCG/3201/0006 dated March 26, 2015 between Insurance Company P1 and Insured Company N; Insurance Corporation P (Insurance Joint Stock Company P) must indemnify Company N for all losses and damage.
2. Recognize lịch trực tiếp bóng đá hôm nay validity of lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0010 dated March 26, 2015 between Insurance Company P1 and Insured Company N; Insurance Corporation P (Insurance Joint Stock Company P) must indemnify Company N for all losses and damage.
3. Pay Company N an indemnity for all loss or damage to lịch trực tiếp bóng đá hôm nay Biomass boiler No. 3 under Boiler Insurance Contract No. P-15/DNI/XCG/3201/0006 dated March 26, 2015. lịch trực tiếp bóng đá hôm nay value of such indemnity was VND 13,000,000,000;
4. Pay VND 200,000,000 as lịch trực tiếp bóng đá hôm nay amount of indemnity for scene cleanup work.
5. Paying Company N VND 1,510,790,352 as lịch trực tiếp bóng đá hôm nay public liability insurance coverage for third party’s property loss or damage caused by lịch trực tiếp bóng đá hôm nay boiler No.3 explosion accident under lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0010 dated March 26, 2015; lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0057 dated September 30, 2015.
6. Paying Company N lịch trực tiếp bóng đá hôm nay amount of VND 500,000,000 as an indemnity for all loss or damage to lịch trực tiếp bóng đá hôm nay Biomass boiler No. 2 under Boiler Insurance Contract No. P-15/DNI/XCG/3201/0008 dated September 30, 2015.
7. Paying compensation for damage caused due to lịch trực tiếp bóng đá hôm nay delayed performance of lịch trực tiếp bóng đá hôm nay insurance indemnity obligation after 15 days from November 19, 2015 to lịch trực tiếp bóng đá hôm nay date of receipt of a full and valid claim (recorded in Insurance Company P1’s Official Letter No.130/P-DNI-CV dated January 24, 2015). This means that, from December 4, 2015 to lịch trực tiếp bóng đá hôm nay first-instance trial date of October 11, 2016, such compensation is calculated at lịch trực tiếp bóng đá hôm nay basic interest rate issued by lịch trực tiếp bóng đá hôm nay State Bank as follows: 15,210,790,352 dong x 10 months 07 days x 9%/year = 1,167,428,159 dong.
Aggregate of (3)+(4)+(5)+(6)+(7): VND 16,378,218,511.
Adjourning part of lịch trực tiếp bóng đá hôm nay petition to sue that Company N withdrew, including:
- Recognizing lịch trực tiếp bóng đá hôm nay validity of lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0009 dated March 24, 2015 between Insurance Company P1 and Insured Company N; Insurance Corporation P (Insurance Joint Stock Company P) must indemnify Company N for all losses and damage.
- Recognizing lịch trực tiếp bóng đá hôm nay validity of lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0009 dated March 24, 2015 between Insurance Company P1 and Insured Company N; Insurance Corporation P (Insurance Joint Stock Company P) must indemnify Company N for all losses and damage.
- Paying Company N VND 633,000,000 as lịch trực tiếp bóng đá hôm nay public liability insurance coverage for human loss or bodily injury under lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0009 dated March 24, 2015; lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0010 dated March 26, 2015; lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0057 dated September 30, 2015.
- Excluding lịch trực tiếp bóng đá hôm nay amount calculated at lịch trực tiếp bóng đá hôm nay interest rate of 150% on lịch trực tiếp bóng đá hôm nay indemnity amount stated in lịch trực tiếp bóng đá hôm nay indemnity claim due to Insurance Joint Stock Company P’s late payment of their obligation to pay insurance coverage.
- Paying Company N an indemnity for all loss or damage to lịch trực tiếp bóng đá hôm nay Biomass boiler No. 3 under Boiler Insurance Contract No. P-15/DNI/XCG/3201/0006 dated March 26, 2015. lịch trực tiếp bóng đá hôm nay value of such indemnity was VND 4.984.750.678.
Insurance Joint Stock Corporation P (Joint Stock Company P) is obliged to pay lịch trực tiếp bóng đá hôm nay valuation cost of: VND 134,000,000.
In addition, lịch trực tiếp bóng đá hôm nay First Instance Court also decided on lịch trực tiếp bóng đá hôm nay responsibility of delayed judgment execution, court fees and lịch trực tiếp bóng đá hôm nay right to appeal of lịch trực tiếp bóng đá hôm nay litigants.
On October 20, 2016, lịch trực tiếp bóng đá hôm nay defendant of lịch trực tiếp bóng đá hôm nay P Insurance Joint Stock Corporation filed an appeal to lịch trực tiếp bóng đá hôm nay entire First-instance commercial business judgment.
In lịch trực tiếp bóng đá hôm nay Appellate Commercial Business Judgment No. 01/2017 / KDTM-PT dated 06 March 2017, lịch trực tiếp bóng đá hôm nay People's Court of Dong Nai province decided:
Reject lịch trực tiếp bóng đá hôm nay entire appeal petition of Insurance Corporation P (Insurance Joint Stock Company P), upholding lịch trực tiếp bóng đá hôm nay first-instance judgment.
Accepting Company N’s petition to sue.
Forcing Insurance Joint Stock Corporation P (Joint Stock Company P) to:
1. Recognize lịch trực tiếp bóng đá hôm nay validity of lịch trực tiếp bóng đá hôm nay Boiler Insurance Contract No. P-15/DNI/XCG/3201/0006 dated March 26, 2015 between Insurance Company P1 and Insured Company N; Insurance Corporation P (Insurance Joint Stock Company P) must indemnify Company N for all losses and damage.
2. Recognize lịch trực tiếp bóng đá hôm nay validity of lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0010 dated March 26, 2015 between Insurance Company P1 and Insured Company N; Insurance Corporation P (Insurance Joint Stock Company P) must indemnify Company N for all losses and damage.
3. Pay Company N an indemnity for all loss or damage to lịch trực tiếp bóng đá hôm nay Biomass boiler No. 3 under Boiler Insurance Contract No. P-15/DNI/XCG/3201/0006 dated March 26, 2015. lịch trực tiếp bóng đá hôm nay value of such indemnity was VND 13,000,000,000.
4. Pay VND 200,000,000 as lịch trực tiếp bóng đá hôm nay amount of indemnity for scene cleanup work.
5. Pay Company N VND 1,510,790,352 as lịch trực tiếp bóng đá hôm nay public liability insurance coverage for third party’s property loss or damage caused by lịch trực tiếp bóng đá hôm nay boiler No.3 explosion accident under lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0010 dated March 26, 2015; lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0057 dated September 30, 2015.
6. Paying Company N lịch trực tiếp bóng đá hôm nay amount of VND 500,000,000 as an indemnity for all loss or damage to lịch trực tiếp bóng đá hôm nay Biomass boiler No. 2 under Boiler Insurance Contract No. P-15/DNI/XCG/3201/0008 dated September 30, 2015.
7. Pay compensation for damage caused due to lịch trực tiếp bóng đá hôm nay delayed performance of lịch trực tiếp bóng đá hôm nay insurance indemnity obligation after 15 days from November 19, 2015 to lịch trực tiếp bóng đá hôm nay date of receipt of a full and valid claim (recorded in Insurance Company P1’s Official Letter No.130/P-DNI-CV dated January 24, 2015). This means that, from December 4, 2015 to lịch trực tiếp bóng đá hôm nay first-instance trial date of October 11, 2016, such compensation is calculated at lịch trực tiếp bóng đá hôm nay basic interest rate issued by lịch trực tiếp bóng đá hôm nay State Bank as follows: 15,210,790,352 dong x 10 months 07 days x 9%/year = 1,167,428,159 dong.
Insurance Joint Stock Corporation P (Insurance Joint Stock Company P) must pay Company N lịch trực tiếp bóng đá hôm nay total sum of (3)+(4)+(5)+(6)+(7): VND 16,378,218,511.
Adjourning part of lịch trực tiếp bóng đá hôm nay petition to sue that Company N withdrew, including:
- Recognizing lịch trực tiếp bóng đá hôm nay validity of lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0009 dated March 24, 2015 between Insurance Company P1 and Insured Company N; Insurance Corporation P (Insurance Joint Stock Company P) must indemnify Company N for all losses and damage.
- Recognizing lịch trực tiếp bóng đá hôm nay validity of lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0009 dated March 24, 2015 between Insurance Company P1 and Insured Company N; Insurance Corporation P (Insurance Joint Stock Company P) must indemnify Company N for all losses and damage.
- Paying Company N VND 633,000,000 as lịch trực tiếp bóng đá hôm nay public liability insurance coverage for human loss or bodily injury under lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0009 dated March 24, 2015; lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0010 dated March 26, 2015; lịch trực tiếp bóng đá hôm nay Public Liability Insurance Contract No. P-15/DNI/XCG/3303/0057 dated September 30, 2015.
- Excluding lịch trực tiếp bóng đá hôm nay amount calculated at lịch trực tiếp bóng đá hôm nay interest rate of 150% on lịch trực tiếp bóng đá hôm nay indemnity amount stated in lịch trực tiếp bóng đá hôm nay indemnity claim due to Insurance Joint Stock Company P’s late payment of their obligation to pay insurance coverage.
- Paying Company N an indemnity for all loss or damage to lịch trực tiếp bóng đá hôm nay Biomass boiler No. 3 under Boiler Insurance Contract No. P-15/DNI/XCG/3201/0006 dated March 26, 2015. lịch trực tiếp bóng đá hôm nay value of such indemnity was VND 4,984,750,678.
- Regarding costs of judicial proceedings: As Insurance Joint Stock Corporation P (Insurance Joint Stock Company P) is liable to pay lịch trực tiếp bóng đá hôm nay valuation cost of VND 134,000,000, they have to pay that sum.
From lịch trực tiếp bóng đá hôm nay date on which lịch trực tiếp bóng đá hôm nay plaintiff has a request for judgment execution, if lịch trực tiếp bóng đá hôm nay defendant fails to pay lịch trực tiếp bóng đá hôm nay above amount and lịch trực tiếp bóng đá hôm nay cost of valuation, he/she must bear lịch trực tiếp bóng đá hôm nay late payment interest at lịch trực tiếp bóng đá hôm nay basic interest rate prescribed by lịch trực tiếp bóng đá hôm nay State Bank on lịch trực tiếp bóng đá hôm nay amount of late payment at lịch trực tiếp bóng đá hôm nay time of payment.
In addition, lịch trực tiếp bóng đá hôm nay First Instance Court also decided on lịch trực tiếp bóng đá hôm nay court fee.
After lịch trực tiếp bóng đá hôm nay appellate trial, Insurance Corporation P made a petition to review lịch trực tiếp bóng đá hôm nay Appellate Court mentioned above according to cassational review procedure.
In lịch trực tiếp bóng đá hôm nay Decision No. 45 / QDKNGDT-VC3-KDTM dated February 8, 2018, lịch trực tiếp bóng đá hôm nay Procurator General of lịch trực tiếp bóng đá hôm nay Supreme People's Procuracy in Ho Chi Minh City protested against lịch trực tiếp bóng đá hôm nay above-mentioned appellate court's judgement, requesting lịch trực tiếp bóng đá hôm nay Committee of Judges of Superior People’s Court in Ho Chi Minh City to adjudicate to abolish lịch trực tiếp bóng đá hôm nay above-mentioned Commercial Business Appellate Verdict and cancel lịch trực tiếp bóng đá hôm nay entire first-instance Commercial Business Judgement No. 50/2016 / KDTM-ST of October 11, 2016 of lịch trực tiếp bóng đá hôm nay People's Court of Bien Hoa city, Dong Nai province; handing over lịch trực tiếp bóng đá hôm nay case file to lịch trực tiếp bóng đá hôm nay People's Court of Bien Hoa city, Dong Nai province for a first instance re-trial in accordance with lịch trực tiếp bóng đá hôm nay law.
At today's trial, lịch trực tiếp bóng đá hôm nay representative of lịch trực tiếp bóng đá hôm nay High-level People's Procuracy in Ho Chi Minh City requested lịch trực tiếp bóng đá hôm nay Committee of Judges of lịch trực tiếp bóng đá hôm nay High-level People's Court in Ho Chi Minh City to accept lịch trực tiếp bóng đá hôm nay protest of lịch trực tiếp bóng đá hôm nay Procurator General of lịch trực tiếp bóng đá hôm nay High-level People's Procuracy in Ho Chi Minh City.
[2] Company N supplied, installed and operated 03 boilers at Industrial Park M, T district, Ba Ria - Vung Tau province for Paper Joint Stock Company (Paper Company). Also, Company N and Insurance Company P1 entered into 05 boiler insurance contracts and public liability insurance contracts as follows: Boiler insurance contract No. P-15 / DNI / XCG / 3201/0006 dated March 26, 2015 (Contract No. 06); Public liability insurance contract number P-15 / DNI / XCG / 3303/0010 dated March 26, 2015 (Contract No. 10); Boiler insurance contract No. P-15 / DNI / XCG / 3201/0007 dated September 30, 2015 (Contract No. 07); Boiler insurance contract No. P-15 / DNI / XCG / 3201/0008 dated September 30, 2015 (Contract No. 08); Public liability insurance contract number P-15 / DNI / XCG / 3303/0057 on September 30, 2015 (Contract No. 57)..
[3] About 00:30 AM on November 13, 2015, at lịch trực tiếp bóng đá hôm nay Paper Company happened a No. 3 boiler accident. lịch trực tiếp bóng đá hôm nay Investigation Police Agency - Police Department of Ba Ria - Vung Tau province solicited lịch trực tiếp bóng đá hôm nay expertise on lịch trực tiếp bóng đá hôm nay causes of lịch trực tiếp bóng đá hôm nay incident and concluded lịch trực tiếp bóng đá hôm nay cause of boiler No. 3 explosion was technical errors, and there were no sign of crime. lịch trực tiếp bóng đá hôm nay boiler explosion incident not only caused damage to Company N's property, but also affected lịch trực tiếp bóng đá hôm nay property of lịch trực tiếp bóng đá hôm nay Paper Company. Since lịch trực tiếp bóng đá hôm nay damaged property at lịch trực tiếp bóng đá hôm nay paper company falls within lịch trực tiếp bóng đá hôm nay scope of insurance coverage according to lịch trực tiếp bóng đá hôm nay insurance certificate, Company N is compensated for lịch trực tiếp bóng đá hôm nay damage value according to lịch trực tiếp bóng đá hôm nay provisions of law.
[4] However, Insurance Company P1 said that Company N delayed payment of their insurance premium, so Contract No. 06 and Contract No. 10 become ineffective for lịch trực tiếp bóng đá hôm nay following reasons: lịch trực tiếp bóng đá hôm nay last day to pay premium was May 1, 2015, but on May 7, 2015, Company N managed to transfer premium payment to Insurance Company P1. After receiving lịch trực tiếp bóng đá hôm nay insurance premium from Company N, lịch trực tiếp bóng đá hôm nay Insurance Corporation P and Insurance Company P1 had no feedback and sent no written notice of late payment of such insurance premium. Although two contracts were no longer effective from May 1, 2015, Insurance Company P1 still received and issued VAT invoice and reported tax on these two premiums paid by Company N. This meant that lịch trực tiếp bóng đá hôm nay Insurance Joint-stock Corporation P and Insurance Company P1 were aware of lịch trực tiếp bóng đá hôm nay late payment of insurance premiums by Company N and admitted lịch trực tiếp bóng đá hôm nay effect of lịch trực tiếp bóng đá hôm nay two above insurance contracts.
[5] Therefore, when an insurance event occured, lịch trực tiếp bóng đá hôm nay Insurance Joint-stock Corporation P must be responsible for compensation according to lịch trực tiếp bóng đá hôm nay contract between lịch trực tiếp bóng đá hôm nay two parties.
[6] As for loss or damage and indemnity, lịch trực tiếp bóng đá hôm nay Court sees that: Article 48 of lịch trực tiếp bóng đá hôm nay Law on Insurance Business prescribes that: An expertise on loss or damage must be conducted to determine causes and extent of such loss or damage. lịch trực tiếp bóng đá hôm nay findings in this expertise are a basis to determine lịch trực tiếp bóng đá hôm nay amount Insurance Corporation P must pay. However, lịch trực tiếp bóng đá hôm nay decision of lịch trực tiếp bóng đá hôm nay Court of First Instance and lịch trực tiếp bóng đá hôm nay Court of Appeal to carry out lịch trực tiếp bóng đá hôm nay valuation of property merely aimed at having lịch trực tiếp bóng đá hôm nay ground to compel Insurance Corporation P to pay compensation was frivolous because Clause 15 of Article 4 of lịch trực tiếp bóng đá hôm nay Law on Prices prescribes that: Valuation means lịch trực tiếp bóng đá hôm nay valuation of monetary value of assets by a competent agency or organization under lịch trực tiếp bóng đá hôm nay Civil Code according to lịch trực tiếp bóng đá hôm nay market price at a certain place or point of time for a certain purpose according to valuation standards.
[7] On lịch trực tiếp bóng đá hôm nay other hand, lịch trực tiếp bóng đá hôm nay provisions of Insurance Contract No. 06 stipulate lịch trực tiếp bóng đá hôm nay deductible as follows: lịch trực tiếp bóng đá hôm nay deductible is lịch trực tiếp bóng đá hôm nay amount that lịch trực tiếp bóng đá hôm nay insured has to pay in case of loss. lịch trực tiếp bóng đá hôm nay deductible in this Contract which is 5% of lịch trực tiếp bóng đá hôm nay minimum loss value equals VND 10,000,000/each loss. However, lịch trực tiếp bóng đá hôm nay First-instance Court and lịch trực tiếp bóng đá hôm nay Appellate Court did not take into account this agreement in lịch trực tiếp bóng đá hôm nay contract whilst forcing Insurance Corporation P to pay compensation for lịch trực tiếp bóng đá hôm nay entire damage. This did not conform to lịch trực tiếp bóng đá hôm nay contract, causing damage to benefits of Insurance Joint Stock Corporation P.
[8] Under Insurance Contract No. 08, after lịch trực tiếp bóng đá hôm nay occurrence of lịch trực tiếp bóng đá hôm nay incident, lịch trực tiếp bóng đá hôm nay two parties agreed to hire Inspection Joint Stock Company B to carry out lịch trực tiếp bóng đá hôm nay expertise. However, Inspection Joint Stock Company B did not fully value lịch trực tiếp bóng đá hôm nay loss because of Company N’s failure to provide sufficient documents upon request, and lịch trực tiếp bóng đá hôm nay Court of First Instance and lịch trực tiếp bóng đá hôm nay Court of Appeal did not consider this issue, and forced lịch trực tiếp bóng đá hôm nay Insurance Joint Stock Corporation P to compensate Company N through lack of evidence. This is unfounded.
[9] Company N did not provide evidence to prove that compensation for material damage was paid to lịch trực tiếp bóng đá hôm nay third party, but both lịch trực tiếp bóng đá hôm nay Court of First Instance and lịch trực tiếp bóng đá hôm nay Court of Appeal forced Insurance Joint Stock Corporation P to pay VND 1,510,790,352 of public liability indemnity under lịch trực tiếp bóng đá hôm nay public liability under Contract No. 10 and No. 57. This was unfounded.
[10] In addition, lịch trực tiếp bóng đá hôm nay technical inspection certificate issued by Industrial Testing Center II identifies that: lịch trực tiếp bóng đá hôm nay inspection was carried out before October 2013, but lịch trực tiếp bóng đá hôm nay insurance contract and valuation certificate determined that lịch trực tiếp bóng đá hôm nay BIOMASS dryer was manufactured in 2014, but lịch trực tiếp bóng đá hôm nay first-instance Court and lịch trực tiếp bóng đá hôm nay Appellate Court did not clarify this issue. However, they issued lịch trực tiếp bóng đá hôm nay decision to force Insurance Joint Stock Corporation P to pay compensation to Company N. This was unfounded.
In light of lịch trực tiếp bóng đá hôm nay aforesaid grounds;
[5] Therefore, when an insurance event occured, lịch trực tiếp bóng đá hôm nay Insurance Joint-stock Corporation P must be responsible for compensation according to lịch trực tiếp bóng đá hôm nay contract between lịch trực tiếp bóng đá hôm nay two parties.”
1. Accepting lịch trực tiếp bóng đá hôm nay protest No. 45 / QDKNGDT-VC3-KDTM dated February 8, 2018 by lịch trực tiếp bóng đá hôm nay Procurator General of lịch trực tiếp bóng đá hôm nay High-level People's Procuracy in Ho Chi Minh City.
2. Adjourning lịch trực tiếp bóng đá hôm nay Appellate Commercial Business Decision No. 01/2017 / KDTM-PT dated March 6, 2017 of lịch trực tiếp bóng đá hôm nay People's Court of Dong Nai province, and adjourning all lịch trực tiếp bóng đá hôm nay first instance commercial business judgment No. 50/2016 / KDTM-ST dated October 11, 2016 of lịch trực tiếp bóng đá hôm nay People's Court of Bien Hoa city, Dong Nai province between Company N, as lịch trực tiếp bóng đá hôm nay plaintiff, and Insurance Joint Stock Corporation P, as lịch trực tiếp bóng đá hôm nay defendant, handing over lịch trực tiếp bóng đá hôm nay case file to lịch trực tiếp bóng đá hôm nay People's Court of Bien Hoa city, Dong Nai province for a first instance trial in accordance with lịch trực tiếp bóng đá hôm nay law.
3. Making a cassational review decision effective from lịch trực tiếp bóng đá hôm nay date of issuance of lịch trực tiếp bóng đá hôm nay decision.
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