Ms Ronit Warshai

Ronit Warshai



Are insurers exempt from liability towards third parties where insured driver was drunk?
Israel | 18 December 2018

The Supreme Court recently dismissed the appeal of an insurer, declining its allegation that it should be exempt from liability towards a third party as the insured had driven under the influence of alcohol. The court determined that the standard motor vehicle insurance policy is aimed at protecting the insured. Further, an insurer's liability should not be narrowed and damage caused by a driver who drives under the influence of alcohol should not be excluded from coverage.

Supreme Court decides on coverage afforded under D&O insurance policy
Israel | 01 November 2016

In a recent case concerning coverage offered by a directors' and officers' liability insurance policy, the Supreme Court ruled that, in some instances, several insureds can be insured under one policy. The court found that it is clear in such a case that an insured who acts maliciously will lose his or her right to policy coverage. However, the case raised the question of what happens to the other innocent insureds.

Court rules insured must pay deductible for legal expenses even if claim against it fails
Israel | 26 July 2016

In a recent Haifa Magistrates Court case the question arose as to whether an insured party must pay the deductible in accordance with an insurance policy if the claim filed against it is declined. In accordance with the policy, the court held that the insured was obliged to bear the deductible even if the amount paid by the insurer related solely to defence costs, and that this was the same whether the claim was accepted or declined.

Right of insurer to subrogate against tortfeasor
Israel | 08 September 2015

According to the Insurance Contract Law, an insurer is entitled to an independent right of subrogation against the tortfeasor once it has compensated the insured. A recent claim examined whether the insurer's right to subrogate still exists where the insured claims the full amount of the loss from the tortfeasor while concealing that he or she has been compensated for part of the losses by the insurer.