Article 965: Transfer to the insurers of the rights of the insured to compensation for damages (subrogation)

1. Unless otherwise provided in the property insurance contract, the insured person who paid the insurance compensation shall be entitled, within the amount paid, to the claim to which the insured person is entitled. However, the term of the contract, which excludes the right to claim against the insured person, is intended to cause a higher degree of damage due to insurance, but the term of the contract, which excludes the right to claim against the insured person. 2. The right to claim transferred to the insurers shall be exercised by them in accordance with the rules governing the relationship between the insured person (beneficiary) and the person responsible for the claim. 3. The insured person (beneficiary) is obliged to provide the insured person with all documents and evidence and to provide him with all the information necessary for the insured person to exercise his rights. 4. If the insured person (beneficiary) has waived his or her right to claim against the person responsible for the damages paid by the insured person, or the exercise of that right has become impossible The insured person is exempt from all or part of the insurance compensation paid by the insured person (beneficiary) and is entitled to demand the return of the overpaid amount to Absolutions.