Cơ bản về bảo hiểm tài sảnCâu 286 / 531
After paying a fire claim in full, the insurer takes the damaged inventory and sells what it can. This is:
a.Salvage, which cuts the insurer's net cost
b.Abandonment, which the insured may compel
c.A breach of the indemnity principle
d.Subrogation against the property itself
Giải thích
Salvage is the insurer's right to take and dispose of damaged property once it has paid the loss in full, and the proceeds offset what the claim cost. It is not abandonment: property policies state that the insured may not abandon property to the insurer and demand a total loss payment on it. Subrogation is a different recovery, aimed at the third party whose negligence caused the loss rather than at the damaged goods.
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