‫ﺍﻷﺿﺭﺍﺭ ﺍﻟﺟﺳﺩﻳﺔ ﺍﻟﺗﻲ ﺗﻠﺣﻖ ﺑﺎﻟﻐﻐﻳﺭ ﺩﺍﺧﻝ ﺍﻟﻣﺭﻛﺑﺔ ﺃﻭ ﺧﺎﺎﺭﺟﻬﺎ‪.‬‬ ‫ﺃ‪.

‬‬ ‫ﻰ ﺍﻟﻤﺮﻛﺒﺎﺕ‬
‫ﺍﻟﻮﺛﻴﻘﺔ ﺍﻟﻤﻮﺣﺪﺓ ﻟﻠﺘﺄﻣﻴﻦ ﺍﻹﻟﺰﺍﻣﻲ ﻋﻠﻰ‬
‫ﺑﺎﻟﻐﻳﺭ ﺧﺎﺭﺝ ﺍﻟﻣﺭﻛﺑﺔ‪.‬‬
‫ﺭ‬ ‫ﺍﻷﺿﺭﺍﺭ ﺍﻟﻣﺎﺩﻳﺔ ﺍﻟﺗﻲ ﺗﻠﺣﻖ‬ ‫ﺏ‪.‬‬
‫ﺍﻟﻣﺻﺎﺭﻳﻑ‪.‬‬
‫ﻑ‬ ‫ﺕ‪.‬‬ ‫‪THE U‬‬
‫‪UNIFIED COMP‬‬
‫‪PULSORY MOT‬‬
‫‪TOR INSURANC‬‬
‫‪CE POLICY‬‬

‫ﺍﻟﻣﺎﺩﺓ ﺍﻟﺭﺍﺑﻌﺔ‬ ‫‪14‬ﻫـ ﺑﺷﺄﻥ‬ ‫ﺳﺎﻣﻲ ﺍﻟﻛﺭﻳﻡ ﺭﻗﻡ ‪ 271‬ﻭﺗﺎﺭﻳﺦ ‪427/12/20‬‬ ‫ﺻﺩﺭﺕ ﻫﺫﻩ ﺍﻟﻭﺛﻳﻘﺔﺔ ﺍﺳﺗﻧﺎﺩﺍ ﺇﻟﻰ ﺍﻷﻣﺭ ﺍﻟﺳ‬
‫ﺣﺩﻭﺩ ﺍﻟﺗﻐﻁﻳﺔ‬
‫ﺩ‬ ‫ﺍﻟﺗﺄﻣﻳﻥ ﺍﻹﻟﺯﺍﻣﻲ ﻋﻠﻠﻰ ﺍﻟﻣﺭﻛﺑﺎﺕ ﻭﻧﻅﺎﻡ ﻣﺭﺭﺍﻗﺑﺔ ﺷﺭﻛﺎﺕ ﺍﻟﺗﺄﻣﻳﻥ ﺍﻟﻟﺗﻌﺎﻭﻧﻲ ﺍﻟﺻﺎﺩﺭ ﺑﺎﻟﻣﺭﺳﺳﻭﻡ ﺍﻟﻣﻠﻛﻲ‬
‫ﻓﻓﻲ ﺣﺎﻝ ﻭﻗﻭﻉ ﺣﺎﺩﺙ ﻳﺗﺭﺭﺗﺏ ﻋﻠﻳﻪ ﺩﻓﻊ ﺗﻌﻭﻳﺽ ﻭﻓﻘﺎ ﻷﺣﻛﺎﻡ ﻫﺫﻩ ﺍﻟﻭﺛﻳﻘﺔ ﻓﺈﻥ ﺍﻟﺣﺩ ﺍﻷﻗﺻﻰ ﻟﻣﺳﺅﺅﻭﻟﻳﺔ‬ ‫ﺦ ‪1424/06/02‬ﻫـ‪ ،‬ﻭﺍﻟ ُﻣﻌﺩﻝ ﺑﻣﻭﺟﺏ ﺍﻟﻣﺭﺳﻭﻡ ﺍﻟﻣﻠﻛﻲ ﺭﻗﻡﻡ ﻡ‪30/‬‬ ‫ﺭﻗﻡ ﻡ‪ 32/‬ﻭﺗﺎﺭﻳﺦ‬
‫ﺍﻟﻟﺷﺭﻛﺔ ﻓﻲ ﺍﻟﻭﺍﻗﻌﺔ ﺍﻟﻭﺍﺣﺩﺓ ﻭﺧﻼﻝ ﻓﺗﺭﺓ ﺳﺭﻳﺎﺎﻥ ﺍﻟﻭﺛﻳﻘﺔ ﺑﺎﻟﻧﺳﺑﺔ ﻟﻸﺿﺭﺍﺭ ﺍﻟﺟﺳﺩﻳﺔ ﻭﺍﻟﻣﺻﺎﺭﺭﻳﻑ‬ ‫‪143‬ﻫـ‪ ،‬ﻭﻻﺋﺣﺗﻪ ﺍﻟﺗﻧﻔﻳﻳﺫﻳﺔ ﺍﻟﺻﺎﺩﺭﺓ ﺑﻣﻭﺟﺏ ﻗﺭﺍﺭ ﻭﺯﻳﺭ ﺍﻟﻣﺎﻟﻳﺔ ﺭﻗﻗﻡ ‪596/1‬‬ ‫ﻭﺗﺎﺭﻳﺦ ‪34/05/27‬‬
‫ﻭﻭﺍﻷﺿﯨﺭﺍﺭ ﺍﻟﻣﺎﺩﻳﺔ ﻣﻌﺎ ﻟﻥ ﺗﺗﺟﺎﻭﺯ ﻣﺑﻠﻐﺎ ﺇﺟﻣﺎﻟﻟﻳﺎ ﻗﺩﺭﻩ ‪ 10.000.000‬﷼ )ﻋﺷﺭﺓ ﻣﻼﻳﻳﻥ ﷼‬ ‫‪142‬ﻫـ‪.‬‬ ‫ﻭﺗﺎﺭﻳﺦ ‪25/03/01‬‬
‫ﺳﻌﻭﺩﻱ(‪ ،‬ﻛﺣﺩ ﺃﻗﺻﻰ ﻟﻣﻣﺳﺋﻭﻟﻳﺔ ﺍﻟﺷﺭﻛﺔ‪.‬‬‫ﺳ‬
‫ﺍﻟﻣﺎﺩﺓ ﺍﻷﻭﻟﻰ‬
‫ﺍﻟﻣﺎﺩﺓ ﺍﻟﺧﺎﻣﺳﺔ‬ ‫ﻰ ﺍﻟﻣﺭﻛﺑﺎﺕ‬
‫ﺍﻟﻭﺛﻳﻘﺔ ﺍﻟﻣﻭﺣﺩﺓ ﻟﻠﻠﺗﺄﻣﻳﻥ ﺍﻹﻟﺯﺍﻣﻲ ﻋﻠﻰ‬
‫ﻟﻠﺷﺭﻛﺔ ﺍﻟﺗﻣﺳﻙ ﺑﻪ ﺗﺟﺎﻩ ﺍﻟﻐﻳﻳﺭ‬
‫ﺔ‬ ‫ﻣﺎﻻ ﻳﺟﻭﺯ‬ ‫ﻁﻳﺔ ﺍﻟﻣﺳﺅﻭﻟﻳﺔ ﺍﻟﻣﺩﻧﻳﺔ ﺗﺗﺟﺎﻩ ﺍﻟﻐﻳﺭ‬
‫ﺣﺩ ﺍﻷﺩﻧﻰ ﻟﻠﺗﺄﻣﻳﻥ ﺍﻹﻟﺯﺍﻣﻲ ﻋﻠﻰ ﺍﻟﻣﺭﻛﺑﺎﺕ ﻟﺗﻐﻁ‬
‫ﺗﺣﺩﺩ ﻫﺫﻩ ﺍﻟﻭﺛﻳﻘﺔ ﺍﻟﺣ‬
‫ﻬﺎ ﻋﻥ‬
‫ﺟﺎﻩ ﺍﻟﻐﻳﺭ ﺑﻌﺩﻡ ﻣﺳﺋﻭﻟﻳﺗﻬﺎ‬
‫ﺍﻟﺗﺎﺳﻌﺔ ﻣﻥ ﻫﺫﻩ ﺍﻟﻭﺛﻳﻘﺔ ﻻ ﻳﺟﻭﻭﺯ ﻟﻠﺷﺭﻛﺔ ﺃﻥ ﺗﺗﻣﺳﻙ ﺗﺟ‬
‫ﺔ‬ ‫ﻣﻣﻊ ﻣﺭﺍﻋﺎﺓ ﺍﻟﻣﺎﺩﺓ‬ ‫ﻁﺑﻘﺎ ﻟﻸﺣﻛﺎﻡ ﻭﺍﻟﺷﺭﺭﻭﻁ ﻭﺍﻻﺳﺗﺛﻧﺎءﺍﺕ ﺍﻟﻭﺍﺭﺩﺓ ﻓﻳﻬﺎ ﺃﻭ ﺍﻟﻣﻠﺣﻘﺔ ﺑﻬﺎ‪ ،‬ﻭﻳُﺣﻅﺭ ﻋﻠﻰ ﺷـﺭﻛﺔ‬
‫ﺙ ﺃﻱ‬‫ﺍﻟﻟﺗﻌﻭﻳﺽ ﺑﻣﻭﺟﺏ ﻫﺫﻩ ﺍﻟﻭﺛﻳﻘﺔ ﺑﺳﺑﺏ ﺍﺭﺗﻛﺎﺏ ﺍﻟﻣﺅ ﱠﻣﻥ ﻟﻪ ﺃﻭ ﺍﻟﺳﺎﺋﻖ ﺃﺃﻭ ﺍﻟﻣﺗﺳﺑﺏ ﻓﻲ ﺍﻟﺣﺎﺩﺙ‬ ‫ﺣﺩﻭﺩ ﺍﻟﻣﺳﺋﻭﻟﻳﺔ ﻋ ّﻣﺎ ﺟﺎء ﻓﻲ ﻫﺫﻩ ﺍﻟﻭﺛﻳﻘﺔ‪.‬‬
‫ﺍﻟﺗﺄﻣﻳﻥ ﻭﺍﻟﻣﺅﻣﻥ ﻟﻪ ﺍﻻﺗﻔﺎﻕ ﻋﻠﻰ ﺗﺧﻔﻳﺽ ﺣ‬
‫ﺑﻌﺩﻩ ﺃﻡ ﺑﺳﺑﺏ ﻋﺩﻡ ﺍﻟﺗﺯﺍﻣﻪ ﺑﻣﺎ ﻭﺭﺩ ﻓﻲ ﻫﺫﻩ ﺍﻟﻭﺛﻳﻘﺔﺔ‪ ،‬ﻣﻊ‬
‫ﺧﺎﻟﻔﺔ ﻗﺑﻝ ﺍﻟﺣﺎﺩﺙ ﺃﻡ ﻩ‬‫ﻣﻣﺧﺎﻟﻔﺔ ﺳﻭﺍء ﺃﻛﺎﻧﺕ ﺍﻟﻣﺧ‬
‫ﻋﺩﻡ ﺍﻹﺧﻼﻝ ﺑﺣﻖ ﺍﻟﺷﺭﻛﺔ ﺑﺎﻟﺭﺟﻭﻉ ﻋﻠﻰ ﺍﻟﻣﺅ ﱠﻣﻥ ﻟﻪ ﺃﻭ ﺍﻟﺳﺎﺋﻖ ﺃﻭ ﺍﻟﻣﻣﺗﺳﺑﺏ ﻓﻲ ﺍﻟﺣﺎﺩﺙ ﺑﻌﺩ ﺍﻟﺩﻓﻊ‬ ‫ﻋ‬ ‫ﺍﻟﻣﺎﺩﺓ ﺍﻟﺛﺎﻧﻳﺔ‬
‫ﻟﻠﻠﻐﻳﺭ ﺑﻛﺎﻓﺔ ﺍﻟﻁﺭﻕ ﺍﻟﻧﻅﺎﺎﻣﻳﺔ ﺇﻥ ﻛﺎﻥ ﻟﻠﺭﺟﻭﻉ ﻣﺎ ﻳﺑﺭﺭﻩ‪.‬‬ ‫ﺍﻟﺗﻌﺭﻳﻔﺎﺕ‬
‫ﻳﻘﺻﺩ ﺑﺎﻟﻛﻠﻣﺎﺕ ﻭﺍﻟﻟﻌﺑﺎﺭﺍﺕ ﺍﻵﺗﻳﺔ ﺃﻳﻧﻣﺎ ﻭﺭﺭﺩﺕ ﻓﻲ ﻫﺫﻩ ﺍﻟﻭﺛﻳﻘﺔ ﺍﺍﻟﻣﻌﺎﻧﻲ ﺍﻟﻣﻭﺿﺣﺔ ﺇﺯﺍءءﻫﺎ‪ ،‬ﻣﺎ ﻟﻡ‬
‫ﺍﻟﻣﺎﺩﺓ ﺍﻟﺳﺎﺩﺳﺔ‬ ‫ﻳﻘﺗﺽ ﺳﻳﺎﻕ ﺍﻟﻧﺹ ﺧﻼﻑ ﺫﻟﻙ‪.‬‬
‫ﺳﻭﻳﺔ ﺍﻟﻣﻁﺎﻟﺑﺎﺕ‬
‫ﺇﺟﺭﺍءﺍﺕ ﺗﺳ‬ ‫ﻥ ﺍﻹﻟﺯﺍﻣﻲ )ﺍﻟﻭﺛﻳﻘﺔ(‪ :‬ﻫﻲ ﻭﺛﻳﻘﺔ ﺗﺄﻣﻳﻥ ﺍﻟﻣﺳﺋﻭﻭﻟﻳﺔ ﺍﻟﻣﺩﻧﻳﺔ ﺗﺟﺎﻩ ﺍﻟﻐﻳﺭﺭ ﻟﻠﻣﺭﻛﺑﺎﺕ‬ ‫‪ .1‬ﻭﺛﻳﻘﺔ ﺍﻟﺗﺄﻣﻳﻥ‬
‫ﻼﻣﻬﺎ ﻟﻠﻣﻁﺎﻟﺑﺔ‪ ،‬ﻭﺇﻋﻼﻣﻪﻪ ﺑﺄﻱ‬‫‪ .1‬ﺗﻠﺗﺯﻡ ﺍﻟﺷﺭﻛﺔ ﻋﻧﺩ ﺗﺗﻠﻘﻲ ﺃﻱ ﻣﻁﺎﻟﺑﺔ ﺑﺄﻥ ﺗﺯﻭﻭﺩ ﻣﻘﺩﻣﻬﺎ ﺑﻣﺎ ﻳُﻔﻳﺩ ﺍﺳﺗﻼ‬ ‫ﻭﺗﻌﺗﺑﺭ ﻋﻘﺩﺍ ﺗﺗﺗﻌﻬﺩ ﺑﻣﻘﺗﺿﺎﻩ ﺍﻟﺷﺭﻛﺔ ﺑﺄﻥ ﺗﻌﻭﺽ ﺍﻟﻐﻳﺭ ﻋﻧﺩ ﻭﻭﻗﻭﻉ ﺿﺭﺭ ﻧﺎﺗﺞ ﻋﻥ ﺧﺧﻁﺭ ﻏﻳﺭ‬
‫ﻁﺎﻟﺑﺔ‪،‬‬‫ﺭﻛﺎﺕ( ﻣﻥ ﺗﻠﻘﻳﻬﺎ ﺍﻟﻣﻁ‬‫ﺛﻼﺛﺔ ﺃﻳﺎﻡ ﻋﻣﻝ )ﻟﻸﻓﺭﺍﺩ( ﻭﺗﺳﻌﺔ ﺃﻳﺎﻡ ﻋﻣﻝ )ﻟﻠﺷﺭ‬ ‫ﺔ‬ ‫ﻧﻭﺍﻗﺹ ﺧﻼﻝ‬ ‫ﻟﻭﺛﻳﻘﺔ‪ ،‬ﺑﺳﺑﺏ ﺣﺎﺩﺙ ﺗﺳﺑﺑﺑﺕ ﻓﻳﻪ ﺍﻟﻣﺭﻛﺑﺔ‪ ،‬ﻣﻘﺎﺑﻝ ﺍﻻﺷﺗﺭﺍﻙ ﺍﻟﺫﻱ ﻳﺩﻓﻌﻪ ﺍﻟﻟﻣﺅ ﱠﻣﻥ ﻟﻪ‪،‬‬ ‫ﻣﺳﺗﺛﻧﻰ ﻓﻲ ﺍﻟﻭ‬
‫ﺟﺎﻭﺯ‬‫ﺿﺭﻭﺭﻳﺎ ﺧﻼﻝ ﻣﺩﺓ ﺯﻣﻧﻳﺔ ﻻ ﺗﺗﺟ‬
‫ﺎ‬ ‫ﺧﺳﺎﺋﺭ ﺇﺫﺍ ﻛﺎﻥ ﺫﻟﻙ‬
‫ﺭ‬ ‫ﺧﺑﻳﺭ ﻣﻌﺎﻳﻧﺔ ﺃﻭ ﻣﻘﺩﺭ‬
‫ﻭﻟﻠﺷﺭﻛﺔ ﺗﻌﻳﻳﻥ ﺭ‬ ‫ﻁ ﻭﺍﻻﺳﺗﺛﻧﺎءﺍﺕ ﻭﺟﺩﻭﻝﻝ ﺍﻟﻭﺛﻳﻘﺔ ﻭﺍﻟﻣﻼﺣﻖ )ﺇﻥﻥ ﻭﺟﺩﺕ(‬ ‫ﻭﺗﺷﻣﻝ ﻫﺫﻩ ﺍﻟﻭﺛﻳﻘﺔ ﺍﻷﺣﻛﺎﻡ ﻭﺍﻟﺷﺭﻭﻁ‬
‫ﺳﺗﻼﻡ ﺍﻟﻣﻁﺎﻟﺑﺔ‪.‬‬
‫ﺛﻼﺛﺔ ﺃﻳﺎﻡ ﻋﻣﻝ )ﻟﻸﻓﻓﺭﺍﺩ( ﻭﺗﺳﻌﺔ ﺃﻳﺎﻡ ﻋﻣﻝ )ﻟﻠﺷﺭﻛﺎﺕ( ﻣﻥ ﺗﺎﺭﻳﺦ ﺍﺳ‬ ‫ﻋﻠﻰ ﺃﻻ ﻳﺗﻌﺎﺭﺭﺽ ﺃﻱ ﻣﻧﻬﺎ ﺃﻭ ﻳﺧﺎﻟﻑ ﺍﻷﺣﻛﺎﻡ ﺍﻟﻭﺍﺭﺩﺓ ﻓﻲ ﻫﺫ ﻩ ﺍﻟﻭﺛﻳﻘﺔ‪.‬‬
‫ﺧﻣﺳﺔ‬ ‫ﻧﺯﺍﻫﺔ ﻭﻋﺩﺍﻟﺔ ﺩﻭﻥ ﺃﻱ ﻣﺳﺎﻭﻣﻣﺔ ﺧﻼﻝ ﻣﺩﺓ ﺃﻗﺻﺎﻫﺎ ﺧ‬ ‫ﺔ‬ ‫‪ .2‬ﺗﻠﺗﺯﻡ ﺍﻟﺷﺭﻛﺔ ﺑﺗﺳﻭﻳﻳﺔ ﺍﻟﻣﻁﺎﻟﺑﺎﺕ ﺑﻛﻝ‬ ‫‪ .2‬ﺍﻟﺷﺭﻛﺔ‪ :‬ﺷﺭﻛﻛﺔ ﺍﻟﺗﺄﻣﻳﻥ ﺍﻟﺗﻲ ﺗﻘﺑﻝ ﺍﻟﺗﺄﺄﻣﻳﻥ ﻣﺑﺎﺷﺭﺓ ﻣﻥ ﺍﻟﻣﺅ ﱠﻣ ﻥ ﻟﻬﻡ‪.‬‬
‫ﺳﺗﻼﻡ‬‫ﺷﺭﻛﺎﺕ( ﻣﻥ ﺗﺎﺭﻳﺦ ﺍﺳ‬ ‫ﺭﺑﻌﻳﻥ ﻳﻭﻣﺎ ﻫﺟﺭﻳﺎ )ﻟﻠﺷ‬ ‫ﻋﺷﺭ ﻳﻭﻣﺎ ﻫﺟﺭﻳﺎ )ﺍﻟﻸﻓﺭﺍﺩ( ﻭﺧﻣﺳﺔ ﻭﺃﺭ‬ ‫‪ .3‬ﺍﻟﻣﺅ ﱠﻣﻥ ﻟﻪ‪ :‬ﺍﻟﺷﺧﺹ ﺍﻟﻁﺑﻳﻌﻲ ﺃﻭ ﺍﺍﻻﻋﺗﺑﺎﺭﻱ ﺍﻟﺫﻱ ﺃﺑﺭﻡ ﻣﻣﻊ ﺍﻟﺷﺭﻛﺔ ﻭﺛﻳﻘﺔ ﺍﻟﺗﺄﻣﻳﻳﻥ ﻭﺍﻟﻣﺑﻳﻥ‬
‫ﻛﺎﻧﺕ ﺍﻟﻣﻁﺎﻟﺑﺔ ﻣﺳﺗﻧﺩﺓ ﻋﻠﻰ ﺣﻛﻡ‬
‫ﺳﺗﻧﺩﺍﺕ ﻣﻥ ﻣﻘﺩﻡ ﺍﻟﻣﻁﺎﻟﺑﺑﺔ‪ ،‬ﻭﻓﻲ ﺣﺎﻝ ﻣﺎ ﺇﺫﺍ ﺕ‬ ‫ﺍﻟﻣﻁﺎﻟﺑﺔ ﻣﻛﺗﻣﻠﺔ ﺍﻟﻣﺳ‬ ‫ﺍﺳﻣﻪ ﻓﻲ ﺟﺩﻭﻭﻝ ﺍﻟﻭﺛﻳﻘﺔ‪.‬‬
‫ﺷﺭﻛﺔ‬ ‫ﻁﺎﻟﺑﺔ ﺃﻭ ﻗﺎﻡ ﺍﻟﻣﺅﻣﻥ ﻟﻪ ﺑﺑﺈﺑﻼﻍ ﺍﻟﺷﺭﻛﺔ‪ ،‬ﻓﺈﻥ ﺍﻟﺷ‬ ‫ﻗﺿﺎﺋﻲ ﻗﺎﺑﻝ ﻟﻠﺗﻧﻔﻳﺫ ﻭﻗُﺩﻣﺕ ﻣﻥ ﻣﻘﺩﻡ ﺍﻟﻣﻁ‬ ‫ﻕ ﻭﻳﺣﻣﻝ‬ ‫‪ .4‬ﺳﺎﺋﻖ ﺍﻟﻣﺭﻛﺑﺔﺔ )ﺍﻟﺳﺎﺋﻖ(‪ :‬ﻛﻝ ﻣﻥ ﻳﻘﻘﻭﺩ ﺍﻟﻣﺭﻛﺑﺔ ﻭﻋﻣﺭﻩ ‪ 1 8‬ﺳﻧﺔ ﻫﺟﺭﻳﺔ ﻭﻣﺎ ﻓﻭﻕ‬
‫ﺃﻋﻼﻩ‪.‬‬
‫ﻩ‬ ‫ﺗﻠﺗﺯﻡ ﺑﻣﺎ ﻭﺭﺩ‬ ‫ﺭﺧﺻﺔ ﻗﻳﺎﺩﺓ‪.‬‬
‫ﻲ ﺃﻭ‬
‫ﻭﻓﻲ ﺣﺎﻝ ﻗﺑﻭﻝ ﺍﻟﻣﻁﺎﻟﺑﺔ ﻛﻠﻲ‬
‫ﺑﺈﺑﻼﻍ ﻣﻘﺩﻡ ﺍﻟﻣﻁﺎﻟﺑﺔ ﺑﻘﺑﻭﻝ ﺃﻭ ﺭﻓﺽ ﺍﻟﻣﻁﺎﻟﺑﺔ‪ ،‬ﻲ‬ ‫ﻍ‬ ‫‪ .3‬ﺗﻠﺗﺯﻡ ﺍﻟﺷﺭﻛﺔ‬ ‫‪ .5‬ﺍﻟﻣﺭﻛﺑﺔ ﺍﻟﻣﺅﻣﻣﻥ ﻋﻠﻳﻬﺎ )ﺍﻟﻣﺭﻛﺑﺔ(‪ :‬ﻛﻛﻝ ﻭﺳﻳﻠﺔ ﻣﻥ ﻭﺳﺎﺋﻝ ﺍﻟﻧﻧﻘﻝ ﺃﻋﺩﺕ ﻟﻠﺳﻳﺭ ﻋﻠﻰ ﻋﻋﺟﻼﺕ ﺃﻭ‬
‫ﺍﻟﺗﻌﻭﻳﺽ ﻭﻛﻳﻔﻳﺔ ﺍﻟﺗﻭﺻﻝ ﺇﻟﻳﻪ‪.‬‬
‫ﺽ‬ ‫ﺍﻟﺷﺭﻛﺔ ﺑﺗﻭﺿﻳﺢ ﻣﺑﻠﻎ‬
‫ﺔ‬ ‫ﺟﺯﺋﻳﺎ ﺗﻠﺗﺯﻡ‬ ‫ﺟﻧﺯﻳﺭ‪ ،‬ﺗﺳﻳﺭﺭ ﺃﻭ ﺗﺟﺭ ﺑﻘﻭﺓ ﺁﻟﻳﺔ ﺃﻭﻭ ﺣﻳﻭﺍﻧﻳﺔ‪ ،‬ﺍﻟﻣﻭﺿﺣﺔ ﻣﻣﻭﺍﺻﻔﺎﺗﻬﺎ ﻓﻲ ﺍﻟﻭﺛﻳﻘﺔ )ﻻ ﺗﺷﻣﻝ‬
‫ﺣﺳﺎﺏ‬‫‪ .4‬ﺗﻠﺗﺯﻡ ﺍﻟﺷﺭﻛﺔ ﺑﺗﺳﻭﻳﻳﺔ ﻭﺗﺳﺩﻳﺩ ﺍﻟﻣﻁﺎﻟﺑﺎﺕ ﺍﻟﺗﺗﺄﻣﻳﻧﻳﺔ ﻣﻥ ﺧﻼﻝ ﺇﻳﺩﺍﻉ ﻣﺑﻠﻎ ﺍﻟﺗﻌﻭﻳﺽ ﻓﻲ ﺍﻟﺣﺳ‬ ‫ﺍﻟﻘﻁﺎﺭﺍﺕ(‪.‬‬
‫ﺣﺳﺎﺏ ﺍﻟﻣﺻﺭﻓﻲ ﺍﻟﺩﻭﻟﻲ )‪.(IBAN‬‬ ‫ﺷﺭﺓ ﻋﻥ ﻁﺭﻳﻖ ﺭﻗﻡ ﺍﻟﺣ‬ ‫ﺍﻟﺑﻧﻛﻲ ﻟﻠﻣﺳﺗﻔﻳﺩ ﻣﺑﺎﺷ‬ ‫ﻳﺭ ﻣﺳﺗﺛﻧﻰ‬‫ﺿﺭﺭ ﻧﺎﺗﺞ ﻋﻥ ﺧﻁﺭ ﻏﻳﺭ‬ ‫ﻱ ﺗﻠﺣﻖ ﺑﻪ ﺧﺳﺎﺭﺓ ﺃﻭ ﺿ‬ ‫ﺧﺹ ﻁﺑﻳﻌﻲ ﺃﻭ ﺍﻋﺗﺑﺎﺭﻱ‬ ‫‪ .6‬ﺍﻟﻐﻳﺭ‪ :‬ﻛﻝ ﺷﺧ‬
‫ﺭﻗﻡ )‪ (1,2‬ﻣﻥ ﻫﺫﻩ ﺍﻟﻟﻣﺎﺩﺓ ﺗﻠﺗﺯﻡ ﺍﻟﺷﺭﻛﺔ ﺑﺗﺑﺗﺳﻭﻳﺔ‬ ‫‪ .5‬ﻣﻊ ُﻣﺭﺍﻋﺎﺓ ﺍﻟﻣﺩﺩ ﺍﺍﻟﻣﺣﺩﺩﺓ ﻓﻲ ﺍﻟﻔﻘﺭﺗﻳﻥ ﺭ‬ ‫ﺳﺗﺛﻧﺎء ﺍﻟﻣﺅ ﱠﻣﻥ ﻟﻪ ﻭ‪/‬ﺃﻭ ﺍﻟﻟﺳﺎﺋﻖ ﺃﻭ ﺍﻟﻣﺗﺳﺑﺏ ﻓﻲ ﺍﻟﻟﺣﺎﺩﺙ‪.‬‬ ‫ﻓﻲ ﺍﻟﻭﺛﻳﻘﺔ ﺑﺎﺳ‬
‫ﺃﻥ ﻳﻘﻭﻡ ﻣﻘﺩﻡ ﺍﻟﻣﻁﺎﻟﺑﺔ ﺑﺑﺗﺯﻭﻳﺩ‬
‫ﺻﻼﺡ ﺍﻟﻣﺭﻛﺑﺔ ﻋﻠﻰ ﻥ‬ ‫ﺍﻟﻣﻁﺎﻟﺑﺔ ﻓﻲ ﺣﺎﻝ ﺗﺗﻘﺩﻳﻡ ﺍﻟﻣﻁﺎﻟﺑﺔ ﺑﻌﺩ ﺇﺻ‬ ‫‪ .7‬ﺍﻟﺣﺎﺩﺙ‪ :‬ﻛﻝ ﻭﻭﺍﻗﻌﺔ ﺃﻟﺣﻘﺕ ﺿﺭﺭﺍ ﺑﺎﻟﻟﻐﻳﺭ ﻧﺗﻳﺟﺔ ﺍﺳﺗﻌﻣﺎﻝ ﺍﻟﻣﺭﺭﻛﺑﺔ ﺃﻭ ﺍﻧﻔﺟﺎﺭﻫﺎ ﺃﻭ ﺍﺣﺣﺗﺭﺍﻗﻬﺎ ﺃﻭ‬
‫ﺭﻁ ﻣﺑﺎﺷﺭﺓ ﺍﻟﺣﺎﺩﺙ ﻣﻣﻥ ﺍﻟﺟﻬﺔ ﺍﻟﻣﺧﻭﻟﺔ ﺑﻣﺑﺎﺎﺷﺭﺗﻪ‬ ‫ﺍﻟﺷﺭﻛﺔ ﺑﺎﻟﻔﻭﺍﺗﻳﺭ ﺍﻟﻔﻌﻠﻳﺔ ﻟﻺﺻﻼﺡ ﻭﻳﺷﺗﺭ‬ ‫ﻲ ﺃﻭ ﻭﻗﻭﻓﻬﺎ‪.‬‬‫ﺗﻧﺎﺛﺭﻫﺎ ﺃﻭ ﺣﺭﺭﻛﺗﻬﺎ ﺃﻭ ﺍﻧﺩﻓﺎﻋﻬﺎ ﺍﻟﺫﺍﺗﻲ‬
‫ﺣﺎﺩﺙ ﺍﻟﻣﺭﻛﺑﺔ ﺑﻌﺩ ﺍﻟﺣﺎﺩﺙ ﻭﻗﺑﻝ ﺍﻹﺻﻼﺡ ﺍﻟﺻﺎﺩﺭﺭ ﻋﻥ‬ ‫ﻭﺗﺯﻭﻳﺩ ﺍﻟﺷﺭﻛﺔ ﺑﺗﻘﺭﺭﻳﺭ ﺗﻘﻳﻳﻡ ﺃﺿﺭﺍﺭ ﺙ‬ ‫ﻖ ﺑﺎﻟﻐﻳﺭ ﺑﻣﺎ ﻓﻲ ﺫﻟﻙ ﺍﻟﻌﻌﺟﺯ ﺍﻟﻛﻠﻲ‬ ‫ﺳﺩﻳﺔ‪ :‬ﺍﻟﻭﻓﺎﺓ ﺃﻭ ﺍﻹﺻﺎﺑﺎﺎﺕ ﺍﻟﺑﺩﻧﻳﺔ ﺍﻟﺗﻲ ﻗﺩ ﺗﻠﺣﻖ‬ ‫‪ .8‬ﺍﻷﺿﺭﺍﺭ ﺍﻟﺟﺳ‬
‫ﺍﻟﺟﻬﺔ ﺍﻟﻣﺭﺧﺻﺔ‪.‬‬ ‫ﺃﻭ ﺍﻟﺟﺯﺋﻲ ﺍﻟﺩﺩﺍﺋﻡ ﺃﻭ ﺍﻟﻣﺅﻗﺕ‪.‬‬
‫ﻅﺎﻣﻲ‬ ‫ﺍﻟﺗﺯﺍﻡ ﺍﻟﺷﺭﻛﺔ ﺑﺗﺳﻭﻳﺔ ﺍﻟﻣﻁﺎﻟﺑﺑﺎﺕ ﺧﻼﻝ ﺍﻟﻔﺗﺭﺓ ﺍﻟﻧﻅﺎﻣﻣﻳﺔ ﺩﻭﻥ ﻭﺟﻭﺩ ﺳﺑﺏ ﻧﻅ‬ ‫ﻡ‬ ‫‪ .6‬ﻓﻲ ﺣﺎﻝ ﻋﺩﻡ‬ ‫ﺣﻖ ﺑﺎﻟﻣﻣﺗﻠﻛﺎﺕ ﺍﻟﻌﺎﺋﺩﺓ ﻟﻠﻟﻠﻐﻳﺭ‪.‬‬‫‪ .9‬ﺍﻷﺿﺭﺍﺭ ﺍﻟﻣﺎﺩﺩﻳﺔ‪ :‬ﺍﻟﺗﻠﻔﻳﺎﺕ ﺍﻟﺗﻲ ﻗﺩ ﺗﻠﺣ‬
‫‪ (w‬ﺃﻭ‬
‫‪www.Samacares‬‬ ‫ﻁﺭﻳﻖ ﻣﻭﻗﻊ ﺳﺎﻣﺎ ﺗﻬﺗﻡ )‪s.sa‬‬
‫ﻖ‬ ‫ﻳﺣﻖ ﻟﻣﻘﺩﻡ ﺍﻟﻣﻁﺎﻟﺑﺔ ﺗﻘﺩﻳﻡ ﺷﻛﻭﻯ ﻋﻥ‬ ‫ﺣﻣﻠﻬﺎ ﺍﻟﻐﻳﺭ ﺑﺳﺑﺏ ﺍﻟﺿﺭﺭﺭ ﺍﻟﻧﺎﺗﺞ ﻋﻥ ﺧﻁﺭ ﻏﻳﺭﺭ ﻣﺳﺗﺛﻧﻰ‬ ‫ﺟﻣﻳﻊ ﺍﻟﺗﻛﺎﻟﻳﻑ ﺍﻟﺗﻲ ﻳﺗﺣ‬ ‫‪ .10‬ﺍﻟﻣﺻﺎﺭﻳﻑ‪ :‬ﺟ‬
‫ﻣﻳﻧﻳﺔ ﻹﻟﺯﺍﻡ ﺍﻟﺷﺭﻛﺔ ﺑﺗﺳ‬
‫ﺳﻭﻳﺔ‬ ‫ﺯﻋﺎﺕ ﻭﺍﻟﻣﺧﺎﻟﻔﺎﺕ ﺍﻟﺗﺄﻣﻳ‬ ‫ﺟﺎﻥ ﺍﻟﻔﺻﻝ ﻓﻲ ﺍﻟﻣﻧﺎﺯ‬ ‫ﺍﻟﺗﻘﺩﻡ ﺑﻁﻠﺏ ﺇﻟﻰ ﻟﺟ‬ ‫ﻓﻲ ﺍﻟﻭﺛﻳﻘﺔ‪.‬‬
‫ﺷﺭﻛﺔ‬ ‫ﺍﻟﻣﻁﺎﻟﺑﺔ ﻭﺗﻌﻭﻳﺿﻪ ﻋﻥ ﺃﻱ ﺗﻛﺎﻟﻳﻑ ﺗﺣﻣﻠﻬﺎ ﻧﺗﻳﺟﺔ ﻋﺩﻡ ﺍﺳﺗﺧﺩﺍﻣﻪ ﻟﻟﻠﻣﺭﻛﺑﺔ ﺑﺳﺑﺏ ﺗﺄﺧﺭ ﺍﻟﺷ‬ ‫ﺏ ﺗﻌﻭﻳﺽ ﻋﻥ ﺿﺭﺭ ﻧﻧﺎﺗﺞ ﻋﻥ ﺧﻁﺭ ﻏﻳﺭ ﻣﺳﺗﺗﺛﻧﻰ ﻓﻲ ﺍﻟﻭﺛﻳﻘﺔ‪.‬‬ ‫‪ .11‬ﺍﻟﻣﻁﺎﻟﺑﺔ‪ :‬ﻁﻠﺏ‬
‫ﻓﻲ ﺗﺳﻭﻳﺔ ﺍﻟﻣﻁﺎﻟﺑﺔ‪.‬‬ ‫‪ .12‬ﻣﻘﺩﻡ ﺍﻟﻣﻁﺎﻟﺑﺔﺔ‪ :‬ﺍﻟﺷﺧﺹ ﺍﻟﻁﺑﻳﻌﻲ ﺃﻭﻭ ﻣﻥ ﻳﻣﺛﻠﻪ ﻧﻅﺎﻣﻳﺎ ﺃﻭﺍﻟﻣﻣﻣﺛﻝ ﺍﻟﻧﻅﺎﻣﻲ ﻟﻠﺷﺧﺹ ﺍﺍﻻﻋﺗﺑﺎﺭﻱ‬
‫ﻁﺎﻟﺑﺔ ﺟﺯﺋﻳﺎ ً ﺃﻭ ﻛﻠﻳﺎ ً ﻓﺈﻥ ﺍﻟﺷﺭﻛﺔ ﺗﻠﺗﺯﻡ ﺑﺎﻵﺗﻲ‪:‬‬
‫‪ .7‬ﺃﻣﺎ ﻋﻧﺩ ﺭﻓﺽ ﺍﻟﻣﻁ‬ ‫ﻏﻳﺭ ﻣﺳﺗﺛﻧﻰ ﻓﻲ ﺍﻟﻭﺛﻳﻘﺔ ‪.‬‬ ‫ﺍﻟﺫﻱ ﻟﺣﻖ ﺑﻪ ﺿﺭﺭ ﻧﺎﺗﺞ ﻋﻥ ﺧﻁﺭ ﻏ‬
‫ﺍﻟﺭﻓﺽ ﺍﻟﻛﻠﻲ ﺃﻭ ﺍﻟﺟﺯﺋﻲ‪.‬‬
‫ﺗﺯﻭﻳﺩ ﻣﻘﺩﺩﻡ ﺍﻟﻣﻁﺎﻟﺑﺔ ﺑﺄﺳﺑﺎﺏ ﺽ‬ ‫ﺃ‪.‬‬ ‫ﻟﺷﺭﻛﺔ ﺩﻓﻌﻬﺎ ﻟﻠﻐﻳﺭ ﺿﻣﻥﻥ ﺍﻟﺣﺩ ﺍﻷﻗﺻﻰ ﻟﻠﻣﺳﺋﻭﻟﻟﻳﺔ ﺍﻟﻣﺩﻧﻳﺔ‬ ‫‪ .13‬ﺍﻟﺗﻌﻭﻳﺽ‪ :‬ﺍﻟﻣﻣﺑﺎﻟﻎ ﺍﻟﺗﻲ ﻳﺗﻌﻳﻥ ﻋﻠﻰ ﺍﻟﺷ‬
‫ﻛﺎﻧﻳﺔ ﺗﻘﺩﻳﻡ ﺷﻛﻭﻯ ﻋﻥ ﻁﺭﻳﻖ ﻣﻭﻗﻊ ﺳﺎﻣﺎ ﺗﻬﺗﻡ‬ ‫ﺏ‪ .‬ﺇﺑﻼﻍ ﻣﻘﻘﺩﻡ ﺍﻟﻣﻁﺎﻟﺑﺔ ﺑﺈﻣـ ﺔ‬ ‫ﺍﻟﻭﺍﺭﺩ ﻓﻲ ﻫﺫﻩ ﺍﻟﻭﺛﻳﻘﺔ‪.‬‬
‫ﻋﺎﺕ‬‫)‪ (ww.Samacarres.sa‬ﺃﻭ ﺗﻘﺩﻳﻡ ﺩﻋﻭﺍﻩ ﺇﻟﻰ ﻟﺟﺎﺎﻥ ﺍﻟﻔﺻﻝ ﻓﻲ ﺍﻟﻣﻧﺎﺯﻋ‬ ‫‪ .14‬ﺍﻹﺷﺗﺭﺍﻙ‪ :‬ﺍﻟﻣﻣﺑﻠﻎ ﺍﻟﺫﻱ ﻳﺩﻓﻌﻪ ﺍﻟﻣﺅ ﱠﻣﻥ ﻟﻪ ﻟﻠﺷﺭﻛﺔ ﻣﻘﺎﺑﻝ ﻣﻣﻭﺍﻓﻘﺗﻬﺎ ﻋﻠﻰ ﺗﻌﻭﻳﺽ ﺍﻟﻐﻳﺭ ﻋﻥ‬
‫ﻭﺍﻟﻣﺧﺎﻟﻔﺎﺕ ﺍﻟﺗﺄﻣﻳﻧﻳﺔ ﺍﻟﻣﻧﺻﻭﺹ ﻋﻠﻳﻬﺎ ﻓﻲ ﺍﻟﻣﺎﺩﺓ ﺍﻟﻌﺷﺭﻳﻳﻥ ﻣﻥ ﻧﻅﺎﻡ ﻣﺭﺍﻗﺑﺔ ﺷﺭﺭﻛﺎﺕ‬‫ﺕ‬ ‫ﺏ ﺍﻟﻣﺑﺎﺷﺭ ﻓﻲ ﻭﻗﻭﻋﻬﺎ ﺧﺧﻁﺭﺍ ً ﻏﻳﺭ ﻣﺳﺗﺛﻧﻰ ﻓﻲ ﺍﺍﻟﻭﺛﻳﻘﺔ‪.‬‬ ‫ﺧﺳﺎﺭﺓ ﺍﻟﺗﻲ ﻳﻛﻭﻥ ﺍﻟﺳﺑﺏ‬ ‫ﺍﻟﺿﺭﺭ ﺃﻭ ﺍﻟﺧ‬
‫ﺍﻟﺗﺄﻣﻳﻥ ﺍﻟﺗﺗﻌﺎﻭﻧﻲ ﻟﻠﻧّﻅﺭ ﻓﻳﻬﺎ ﻣﻥ ﻗﺑ‬
‫ﻗﺑﻝ ﺗﻠﻙ ﺍﻟﻠﺟﺎﻥ‪.‬‬ ‫‪ .15‬ﺍﻟﻣﺳﺋﻭﻟﻳﺔ ﺍﻟﻣﻣﺩﻧﻳﺔ‪ :‬ﻣﺳﺋﻭﻟﻳﺔ ﺍﻟﻣﺅ ﱠﻣﻥ ﻟﻪ ﺃﻭ ﺍﻟﺳﺎﺋﻖ ﺗﺟﺎﻩ ﺍﻟﻟﻐﻳﺭ ﻋﻣﺎ ﻳﺗﺳﺑﺏ ﻓﻳﻪ ﻣﻣﻥ ﺃﺿﺭﺍﺭ‬
‫ﻲ ﺣﺎﻝ‬ ‫ﺕ‪ .‬ﺗﺯﻭﻳﺩ ﻣﻘﺩﺩﻡ ﺍﻟﻣﻁﺎﻟﺑﺔ ﺑﻧﺳﺧﺔ ﻣﻥ ﺍﻟﻭﺛﺎﺋﻖ ﻭﺍﻟﻣﺳﺗﻧﺩﺍﺕ ﺍﻟﻣﻣﺅﻳﺩﺓ ﻟﻘﺭﺍﺭ ﺍﻟﺷﺭﻛﺔ ﻓﻲ‬ ‫ﻣﺎﺩﻳﺔ ﺃﻭ ﺟﺳﺩﺩﻳﺔ ﺃﻭ ﺍﻟﻣﺻﺎﺭﻳﻑ ﺑﻔﻌﻝ ﺍﻟﻣﺭﻛﺑﺔ‪.‬‬
‫ﺭﻛﺔ‪.‬‬
‫ﻣﻘﺩﻡ ﺍﻟﻣﻁﺎﻟﺑﺔ ﺫﻟﻙ ﻣﻥ ﺍﻟﺷﺭ‬ ‫ﻁﻠﺏ ﻡ‬ ‫‪ .16‬ﺍﻟﺣﻘﻳﻘﺔ ﺍﻟﺟﻭﻫﺭﻳﺔ‪ :‬ﺃﻱ ﻣﻌﻠﻭﻣﺔ ﻗﺩ ﺗﺅﺅﺛﺭ ﻋﻠﻰ ﻗﺭﺍﺭ ﺍﻟﺷﺭﻛﺔ ﻓﻓﻲ ﺗﺣﺩﻳﺩ ﺍﻻﺷﺗﺭﺍﻙ ﺑﻧﺳﺳﺑﺔ ‪% 25‬‬
‫ﺃﻛﺛﺭ ﺃﻭ ﻋﻠﻰ ﺷﺭﻭﻁ ﺍﻟﻭﺛﻳﻘﺔ ﺃﻭ ﻗﺑﻭﻝ ﺍﻟﻣﻁﺎﻟﺑﺔ‪.‬‬
‫ﺍﻟﻣﺎﺩﺓ ﺍﻟﺳﺎﺑﻌﺔ‬ ‫‪ .17‬ﺍﻟﺗﻐﻳﻳﺭ ﺍﻟﺟﻭﻫﻫﺭﻱ‪ :‬ﺍﻟﺗﻐﻳﻳﺭ ﺍﻟﺫﻱ ﻳﺅﺩﺩﻱ ﺇﻟﻰ ﺯﻳﺎﺩﺓ ﻧﺳﺑﺔ ﺍﺣﺣﺗﻣﺎﻝ ﻭﻗﻭﻉ ﺍﻟﺧﻁﺭ ﺃﻭ ﻳﺅﺩﻱ ﺇﻟﻰ‬
‫ﺍﻟﺷﺭﻭﻭﻁ ﺍﻟﻌﺎﻣﺔ‬ ‫ﺯﻳﺎﺩﺓ ﺟﺳﺎﻣﺗﻪﻪ‪.‬‬
‫‪ .1‬ﺍﻟﺗﻐﻳﻳﺭ‪:‬‬ ‫‪ .18‬ﺣﻖ ﺍﻟﺭﺟﻭﻉ‪ :‬ﻫﻭ ﺣﻖ ﺍﻟﺷﺭﻛﺔ ﻓﻲ ﺍﺳﺗﻳﻔﺎء ﻣﺎ ﺩﻓﻌﺗﻪ ﻣﻥ ﺗﻌﻭﻳﺽ ﻟﻠﻐﻳﺭ ﻣﻥ ﺍﻟﻣﺅﺅﻣﻥ ﻟﻪ ﺃﻭ‬
‫ﺟﻭﻫﺭﻱ ﻓﻲ ﺷﻲء ﺻﺭﺭﺡ ﺑﻪ‬ ‫ﻋﻠﻰ ﺍﻟﻣﺅ ﱠﻣﻥ ﻟﻪ ﺇﺷﻌﺎﺭ ﺍﻟﻟﺷﺭﻛﺔ ﺧﻼﻝ ﻋﺷﺭﻳﻥ ﻳﻭﻭﻡ ﻋﻣﻝ ﻋﻥ ﺃﻱ ﺗﻐﻳﻳﺭ ﺟ‬ ‫ﻋ‬ ‫ﺍﻟﺳﺎﺋﻖ ﺃﻭ ﺍﻟﻣﺗﺗﺳﺑﺏ ﻓﻲ ﺍﻟﺣﺎﺩﺙ ﻋﻥ ﺍﻟﻟﺿﺭﺭ ﺍﻟﻧﺎﺗﺞ ﻣﻥ ﺇﺣﺩﻯ ﺣﺎﻻﺕ ﺍﻟﺭﺟﻭﻉ ﺃﻭﺍﻻﺳﺳﺗﺛﻧﺎءﺍﺕ‪.‬‬
‫ﻏﺑﺗﻬﺎ ﻓﻲ ﺯﻳﺎﺩﺓ ﻣﺑﻠﻎ ﺇﺿ‬
‫ﺿﺎﻓﻲ‬ ‫ﺇﺧﻁﺎﺭ ﺍﻟﻣﺅ ﱠﻣﻥ ﻟﻪ ﻓﻲ ﺣﺎﻝ ﺭﻏ‬
‫ﺭ‬ ‫ﻓﻓﻲ ﻧﻣﻭﺫﺝ ﻁﻠﺏ ﺍﻟﺗﺄﻣﻳﻥ‪ ،‬ﻭﻋﻠﻰ ﺍﻟﺷﺭﻛﺔ‬ ‫‪ .19‬ﺟﺩﻭﻝ ﺍﻟﻭﺛﻳﻘﺔﺔ‪ :‬ﺍﻟﺟﺩﻭﻝ ﺍﻟﻣﺭﻓﻖ ﺑﺎﻟﻭﺛﻳﻳﻘﺔ ﻭﺍﻟﻣﺗﺿﻣﻥ ﻟﺑﻌﺽ ﺑﻳﻳﺎﻧﺎﺕ ﺍﻟﻣﺅﻣﻥ ﻟﻪ ﻭﺍﻟﻣﺭﻛﻛﺑﺔ ﻭﻳﻌﺗﺑﺭ‬
‫ﻁﺎﺭ ﺍﻟﺷﺭﻛﺔ ﻟﻠﻣﺅﻣﻥ ﻟﻪ ﻳﻌﻧﻲ‬‫ﺧﻔﺽ ﺍﻻﺷﺗﺭﺍﻙ‪ ،‬ﻭﻋﺩﻡ ﺇﺧﻁ‬ ‫ﻋﻠﻰ ﺍﻻﺷﺗﺭﺍﻙ‪ ،‬ﺃﻭﺇﻋﺎﺩﺓ ﺟﺯء ﻣﻧﻪ ﻓﻲ ﺣﺎﻝ ﺽ‬ ‫ﻋ‬ ‫ﺟﺯءﺍ ً ﻻ ﻳﺗﺟﺯﺯﺃ ﻣﻧﻬﺎ‪.‬‬
‫ﻣﻣﻭﺍﻓﻘﺗﻬﺎ ﻋﻠﻰ ﺍﺳﺗﻣﺭﺍﺭ ﺍﻟﻟﺗﻐﻁﻳﺔ ﺑﺫﺍﺕ ﺍﻻﺷﺗﺭﺍﻙ ﺍﻟﻣﺗﻔﻖ ﻋﻠﻳﻪ ﻋﻧﺩ ﺍﻟﺗﻌﺎﻗﺩ‪.‬‬ ‫ﻕ ﺑﻳﻥ ﺍﻟﻣﺅﻣﻥ ﻭﺍﻟﻣﺅﻣﻥ ﻟﻪ ﻻﺣﻖ ﻋﻠﻰ ﺇﺻﺩﺍﺭ ﺍﺍﻟﻭﺛﻳﻘﺔ‪ ،‬ﺑﺈﺿﺎﻓﺔ ﺃﻭ ﺗﻌﺩﻳﻳﻝ ﺃﻭﺇﻟﻐﺎء‬ ‫‪ .20‬ﺍﻟﻣﻠﺣﻖ‪ :‬ﺍﺗﻔﺎﻕ‬
‫ﺗﻭﻟﻲ ﺍﻹﺟﺭﺍءﺍﺕ ﺍﻟﻘﺿﺎﺋﻳﺔ ﻭﺍﻟﺗﺳﻭﻳﺔ‪:‬‬
‫‪ .2‬ﺣﻖ ﺍﻟﺷﺭﻛﺔ ﻓﻲ ﻲ‬ ‫ﺟﺏ ﺃﻥ ﻳﻛﻭﻥ ﻣﺭﻓﻘﺎ ﺑﺎﻟﻭﻭﺛﻳﻘﺔ ﻭﻳﻌﺗﺑﺭ ﺟﺯءﺍ ً ﻻﻳﺗﺟﺟﺯﺃ ﻣﻧﻬﺎ‪.‬‬ ‫ﺗﻐﻁﻳﺎﺕ ﺇﻟﻰ ﺍﺍﻟﺗﻐﻁﻳﺎﺕ ﺍﻷﺳﺎﺳﻳﺔ‪ ،‬ﻭﻳﺟ‬
‫ﻟﻠﻠﺷﺭﻛﺔ ﺍﻟﺣﻖ ﻓﻲ ﺃﻥ‪:‬‬
‫ﺍﺳﺗﺟﻭﺍﺏ ﻳﺗﻌﻠﻖ ﺑﻣﻁﺎﻟﺑﺔ ﺗﻛﻭﻥ ﻣﻣﺣﻝ‬
‫ﺏ‬ ‫ﺗﻣﺛّﻝ ﺅ‬
‫ﺍﻟﻣﺅ ﱠﻣﻥ ﻟﻪ ﺃﻭ ﺍﻟﺳﺎﺋﻖ ﻓﻲ ﺃﺃﻱ ﺗﺣﻘﻳﻖ ﺃﻭ‬ ‫ﺃ‪.‬‬ ‫ﺍﻟﻣﺎﺩﺓ ﺍﻟﺛﺎﻟﺛﺔ‬
‫ﺗﻌﻭﻳﺽ ﺑﺑﻣﻭﺟﺏ ﻫﺫﻩ ﺍﻟﻭﺛﻳﻘﺔ‪.‬‬ ‫ﺍﻟﺗﺗﻐﻁﻳﺔ ﺍﻟﺗﺄﻣﻳﻧﻳﺔ‬
‫ﻥ ﺃﻱ‬‫ﺍﻟﻣﺅ ﱠﻣﻥ ﻟﻪ ﺃﻭ ﺍﻟﺳﺎﺋﻖ ﺃﻣﺎﻡ ﺃﻱ ﺟﻬﺔ ﻗﺿﺎﺋﻳﺔ ﺑﺷﺄﻥ‬ ‫ﺏ‪ .‬ﺗﺗﻭﻟﻰ ﺇﺟﺭﺭﺍءﺍﺕ ﺍﻟﺩﻓﺎﻉ ﻋﻥ ﺅ‬ ‫ﻟﻬﺫﻩ ﺍﻟﻭﺛﻳﻘﺔ ﻭﺩﻓﻊ )ﺃﻭ ﺗﻌﻌﻬﺩ ﺑﺩﻓﻊ(‬‫ﻁﻠﺏ ﺗﺄﻣﻳﻥ ﻳُﻌﺩ ﺃﺳﺎﺳﺎ ﻟﻬ‬
‫ﺣﻳﺙ ﺇﻥ ﺍﻟﻣﺅ ﱠﻣﻥ ﻟﻪ ﻗﺩ ﺗﻘﺩﻡ ﺇﻟﻰ ﺍﻟﺷﺭﻛﺔ ﺑﻁ‬
‫ﻗﺩ ﻳﻛﻭﻥ ﻣﺣﻝ ﺗﻌﻭﻳﺽ ﺑﻣﻣﻭﺟﺏ ﻫﺫﻩ ﺍﻟﻭﺛﻳﻘﺔ‪.‬‬ ‫ﺍﺩﻋﺎء ﺃﻭ ﺇﺗﻬﺎﻡ ﻟﻪ ﻋﻼﻗﺔ ﺑﺣﺩﺙ ﺩ‬ ‫ﺍﻻﺷﺗﺭﺍﻙ ﺍﻟﻣﻁﻠﻭﺏ ﻣﻧﻪ‪ ،‬ﻭﻗﺑﻠﺕ ﺍﻟﺷﺭﻛﺔ ﻫﺫﺍ ﺍﻟﻁﻠﺏ‪ ،‬ﻓﺈﻧﻬﺎ ﺗﻠﺗﺯﻡﻡ ﺇﺫﺍ ﻭﻗﻊ ﺣﺎﺩﺙ ﺩﺍﺧﻝﻝ ﺃﺭﺍﺿﻲ‬
‫ﺑﻣﺟﺭﺩ ﻋﻠﻣﻪ ﺑﻘﻳﺎﻡ ﺩﻋﻭﻯ ﺃﻭ ﺗﺣ‬
‫ﺣﻘﻳﻖ‬ ‫ﺩ‬ ‫ﺭﻛﺔ ﺑﺄﺳﺭﻉ ﻭﻗﺕ‬ ‫ﻋﻠﻰ ﺍﻟﻣﺅﻣﻥ ﻟﻪ ﺇﺧﻁﺎﺭ ﺍﻟﺷﺭ‬
‫ﺕ‪ .‬ﻳﺟﺏ ﻰ‬ ‫ﺿﻣﻥ ﺣﺩﻭﺩ‬‫ﻣﺳﺗﺛﻧﻰ ﻓﻲ ﺍﻟﻭﺛﻳﻘﺔ ﻭﺿﻣ‬ ‫ﺳﻌﻭﺩﻳﺔ ﻭﺃﻟﺣﻖ ﺿﺭﺭﺍ ﻧﻧﺎﺗﺟﺎ ﻋﻥ ﺧﻁﺭ ﻏﻳﺭ ﻣﺳ‬ ‫ﺍﻟﻣﻣﻠﻛﺔ ﺍﻟﻌﺭﺑﻳﺔ ﺍﻟﺳ‬
‫ﺍﻟﻣﺫﻛﻭﺭ‪ ،‬ﻣﺎ ﻟﻡ ﻳﻛﻥ ﺍﻟﺗﺄﺧﻳﺭ ﻟﻟﻌﺫﺭ ﻣﻘﺑﻭﻝ‪.‬‬
‫ﻭ‬ ‫ﺃﻭﺗﺣﺭﻳﺎﺕ ﺧﺎﺻﺔ ﺑﺎﻟﺣﺎﺩﺙ‬
‫ﺕ‬ ‫ﺍﻷﺣﻛﺎﻡ ﻭﺍﻟﺷﺭﻭﻁ ﺍﺍﻟﻭﺍﺭﺩﺓ ﺑﻬﺎ ﺑﺗﻌﻭﻳﺽ ﺍﻟﻐﻐﻳﺭ ﻋﻥ ﺍﻟﻣﺑﺎﻟﻎ ﺟﻣﻳﻌﻬﺎ ﺍﻟﺗﻲ ﻳُﻠﺯﻡ ﺍﻟﻣﺅ ﱠﻣﻥ ﻟﻪ ﺃﻭ ﺍﻟﺳﺎﺋﻖ ﺃﻭ‬
‫ﺙ ﺑﺩﻓﻌﻬﺎ ﻟﻘﺎء‪:‬‬
‫ﺍﻟﻣﺗﺳﺑﺏ ﻓﻲ ﺍﻟﺣﺎﺩﺙ‬

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 ‫ﺧﻼﻝ‬‫ﺟﺩﺩ ﺍﻟﺭﺧﺻﺔ ﺍﻟﻣﻧﺗﻬﻳﺔ ﺧ‬ ‫ﺍﻟﺟﻬﺎﺕ ﺍﻟﻟﻣﺧﺗﺻﺔ‪ ،‬ﺃﻭ ﻛﺎﻧﺕ ﻣﻧﺗﻬﻬﻳﺔ ﻭﻗﺕ ﺍﻟﺣﺎﺩﺙ ﻣﺎﻟﻡ ﻳﺟ‬ ‫ﻲ ﺇﺩﺭﺍﺝ ﺍﺳﻡ ﺍﻟﻣﺅ ﱠﻣﻥ ﻟﻪ ﻓﻲ ﻧﻅﺎﻡ ﺍﻟﺷﺭﻛﺔ ﺍﻟﻣﺭﺧﺹ ﻟﻬﺎ ﺑﺟﻣﻊ ﺍﻟﻣﻌﻠﻭﻣﺎﺕ‬ ‫‪ .3‬ﺣﻖ ﺍﻟﺷﺭﻛﺔ ﻓﻲ‬
‫ﺍﻟﺣﺎﺩﺙ‪.‬‬
‫ﺙ‬ ‫ﻳﻭﻡ ﻋﻣﻝ ﻣﻥ ﺗﺎﺭﻳﺦ‬ ‫)‪ (50‬ﻡ‬ ‫ﺍﻻﺋﺗﻣﺎﻧﻳﺔ ﻋﻥ ﺍﻟﻟﻣﺳﺗﻬﻠﻛﻳﻥ‪:‬‬
‫ﺳﺎﺋﻖ ﻣﻥ ﻣﻭﻗﻊ ﺍﻟﺣﺎﺩﺙ ﺩﻭﻥ ﻋﺫﺭ ﻣﻘﺑﻭﻝ‪.‬‬ ‫ﺥ‪ .‬ﻫﺭﻭﺏ ﺍﻟﺳ‬ ‫ﻥ ﺳﺩﺍﺩ ﺇﺷﺗﺭﺍﻙ ﺍﻟﻭﺛﻳﻘﺔﺔ ﺇﺩﺭﺍﺝ ﺍﺳﻡ ﺍﻟﻣﺅ ﱠﻣﻥ ﻟﻪﻪ ﻓﻲ ﻧﻅﺎﻡ‬ ‫ﺣﺎﻝ ﺗﻌﺛﺭ ﺍﻟﻣﺅ ﱠﻣﻥ ﻟﻪ ﻋﻥ‬‫ﻳﺣﻖ ﻟﻠﺷﺭﻛﺔ ﻓﻲ ﺣﺎ‬
‫ﻹﺷﺎﺭﺓ ﺍﻟﺣﻣﺭﺍء‪.‬‬ ‫ﺗﺟﺎﻭﺯ ﺍﻹ‬ ‫ﺩ‪.‬‬ ‫ﺍﻟﺷﺭﻛﺔ ﺍﻟﻣﺭﺧﺹ ﻟﻬﻬﺎ ﺑﺟﻣﻊ ﺍﻟﻣﻌﻠﻭﻣﺎﺕ ﺍﻻﺋﺗﺋﺗﻣﺎﻧﻳﺔ ﻋﻥ ﺍﻟﻣﺳﺗﻬﻠﻛﻳﻥ‪.‬‬
‫ﻁﻠﺏ ﺍﻟﺗﺄﻣﻳﻥ‪.‬‬
‫ﺣﻘﻳﻘﺔ ﺟﻭﻫﺭﻳﺔ ﻓﻲ ﻧﻣﻭﺫﺝ ﻁ‬
‫ﺔ‬ ‫‪ .2‬ﺍﻹﺩﻻء ﺑﺑﻳﺎﻧﺎﺕ ﻏﻳﺭ ﺻﺣﻳﺣﺔ ﺃﻭ ﺇﺧﻔﺎء‬ ‫‪ .4‬ﺍﻟﺗﺯﺍﻣﺎﺕ ﺍﻟﻣﺅ ﱠﻣﻥ ﻟﻪ ﺃﻭ ﺍﻟﺳﺎﺋﻖ ﻋﻧﺩ ﻭﻗﻗﻭﻉ ﺧﻁﺭ ﻏﻳﺭ ﻣﺳﺗﺛﻧﻰ ﻓﻲ ﺍﻟﻭﺛﻳﻘﺔ‪:‬‬
‫ﺍﻟﺣﺎﺩﺙ ﻋﻣﺩﺍ ً‪.‬‬
‫ﺙ‬ ‫‪ .3‬ﺇﺫﺍ ﺛﺑﺕ ﻭﻗﻭﻉ‬ ‫ﻍ ﺍﻟﺟﻬﺎﺕ ﺍﻟﻣﺧﺗﺻﺔ ﻓﻭﺭﺭ ﻭﻗﻭﻉ ﺣﺎﺩﺙ‪ ،‬ﻭﻋﺩﻡ ﻣﻐﺎﺩﺭﺓ ﻣﻭﻗﻊ ﺍﻟﺣﺎﺩﺙ ﺇﻟﻰ ﺣﻳﻥ‬ ‫ﺇﺑﻼﻍ‬ ‫ﺃ‪.‬‬
‫‪ .4‬ﻋﺩﻡ ﺇﺑﻼﻍ ﺍﻟﻣﺅ ﱠﻣﻥ ﻟﻟﻪ ﻟﻠﺷﺭﻛﺔ ﺧﻼﻝ ﻋﺷﺭﻳﻳﻥ ﻳﻭﻡ ﻋﻣﻝ ﻋﻥ ﺃﻱ ﺗﻐﻐﻳﻳﺭ ﺟﻭﻫﺭﻱ ﺻﺭﺡ ﺑﻪﻪ ﻓﻲ‬ ‫ﺇﻧﻬﺎء ﺍﻹﺟﺭﺍءﺍﺕ‪ ،‬ﻭﻳﺳﺗﺛﻧﻰ ﻣﻣﻥ ﺫﻟﻙ ﺍﻟﺣﺎﻻﺕ ﺍﻟﺗﻲ ﺗﺗﺳﺗﻠﺯﻡ ﻣﻐﺎﺩﺭﺓ ﻣﻭﻗﻊ ﺍﻟﺣﺣﺎﺩﺙ ﻣﺛﻝ‬
‫ﻧﻣﻭﺫﺝ ﻁﻠﺏ ﺍﻟﺗﺄﻣﻳﻥ‪ ،‬ﻣﻊ ُﻣﺭﺍﻋﺎﺓ ﺍﻟﻔﻘﺭﺓ ﺭﻗﻡ )‪ (1‬ﻣﻥ ﺍﻟﻣﺎﺩﺓ ﺍﻟﺳﺎﺑﻌﺔ‪.‬‬ ‫ﻭﺟﻭﺩﺩ ﺇﺻﺎﺑﺎﺕ ﺟﺳﺩﻳﺔ‪.‬‬
‫ﺻﺩ ﺍﻹﺿﺭﺍﺭ ﺑﺎﻟﺷﺭﻛﺔ‪ ،‬ﺃﻭ ﺍﻟﺩﻓﻊ ﺃﻭ ﺍﻟﺗﻌﻬﺩ ﺑﺩﻓﻊﻊ ﺃﻱ ﻣﺑﻠﻎ‬ ‫ﺏ‪ .‬ﻋﺩﻡ ﺍﻹﻗﺭﺍﺭ ﺑﺎﻟﻣﺳﺋﻭﻟﻳﺔ ﺑﻘﺻ‬
‫ﺏ ﻓﻲ‬‫ﻏﺻﺑﺎ ﻓﺈﻥ ﻟﻠﺷﺭﻛﺔ ﺣﻖ ﺍﻟﺭﺟﻭﻉ ﻋﻠﻰ ﺍﻟﻣﺗﺳﺑﺏ‬ ‫ﺛﺛﺎﻧﻳﺎ ً‪ :‬ﺇﺫﺍ ﻛﺎﻧﺕ ﺍﻟﻣﺭﻛﺑﺔ ﻣﺳﺭﻭﻗﺔ ﺃﻭ ﻣﺄﺧﻭﺫﺓ ﻏ‬ ‫ﻁﺭﻑ ﻓﻲ ﺍﻟﺣﺎﺩﺙ ﺇﻻ ﺑﻌﻌﺩ ﺍﻟﺣﺻﻭﻝ ﻋﻠﻰ ﺍﻟﻣﻭﺍﻓﻓﻘﺔ ﺍﻟﻛﺗﺎﺑﻳﺔ ﺍﻟﻣﺳﺑﻘﺔ ﻣﻥ ﺍﻟﺷﺭﻛﺔ‪.‬‬ ‫ﻷﻱ ﻁ‬
‫ﻐﻳﺭ‪.‬‬
‫ﺍﻟﺟﻬﺎﺕ ﺍﻟﻣﺧﺗﺻﺔ ﻋﻥ ﺍﻟﺳﺭﻗﺔ‪ ،‬ﻻﺳﺗﺭﺩﺍﺩ ﻣﺎ ﺩﻓﻌﺗﻪ ﻟﻠﻐﻳ‬
‫ﺕ‬ ‫ﻓﻲ ﺣﺎﻝ ﻟﻡ ﻳﺧﻁﺭ‬
‫ﺍﻟﻟﺣﺎﺩﺙ‪ ،‬ﺃﻭ ﺍﻟﻣﺅﻣﻥ ﻟﻪ ﻲ‬ ‫ﺕ‪ .‬ﺍﻟﺗﻌﺎﻭﻭﻥ ﻣﻊ ﺍﻟﺷﺭﻛﺔ‪ ،‬ﻭﺗﺣﺭﻳﻳﺭ ﺍﻟﻭﻛﺎﻻﺕ ﺍﻟﺷﺭﻋﻳﺔ ﺍﻟﺗﻲ ﺗﻣﻛﻧﻬﺎ ﻣﻥ ﺍﺗﺧﺎﺫ ﺇﺟﺭﺍءﺍﺕ‬
‫ﺗﻘﺩﻳﻡ ﺍﻟﻣﻁﺎﻟﺑﺔ ﺍﻟﺗﻲ ﺗﻧﻁﺑﻖ ﻋﻠﻳﻬﺎ‬
‫‪ 20‬ﻳﻭﻡ ﻋﻣﻝ ﺗﺎﺭﻳﺦ ﻳﻡ‬‫ﺛﺛﺎﻟﺛﺎً‪ :‬ﻋﻠﻰ ﺍﻟﺷﺭﻛﺔ ﺇﺧﻁﺎﺎﺭ ﺍﻟﻣﺅﻣﻥ ﻟﻪ ﺧﻼﻝ ‪2‬‬ ‫ﺍﻟﻣﺭﺍﻓﻌﺔ ﻭﺍﻟﻣﺩﺍﻓﻌﺔ ﻭﺍﻟﺗﺳﻭﻳﺔ ﻧﻳﺎﺑﺔ ﻋﻥ ﺍﻟﻣﺅ ﱠﻣﻥ ﻟﻪ‪ ،‬ﺃﻭﻭ ﺍﻟﺳﺎﺋﻖ‪.‬‬
‫ﺧﻼﻝ ﻣﺩﺓ ﺃﻗﺻﺎﻫﺎ ﺳﻧﺔ ﻣﻥ ﺗﺎﺭﻳﺦ‬ ‫ﺭﺳﺔ ﺣﻖ ﺍﻟﺭﺟﻭﻉ ﻝ‬ ‫ﺣﺩﻯ ﺣﺎﻻﺕ ﺍﻟﺭﺟﻭﻉ‪ ،‬ﻛﻣﺎ ﻋﻠﻰ ﺍﻟﺷﺭﻛﺔ ﻣﻣﺎﺭ‬ ‫ﺇﺣ‬ ‫ﻲ ﺗﺣﺻﻳﻝ‬ ‫ﺟﻣﻳﻊ ﺍﻷﻋﻣﺎﻝ ﺍﻟﻼﺯﻣﺔ ﻟﺿﻣﺎﻥ ﺣﻖ ﺍﻟﺷﺭﻛﺔ ﻓﻲ‬ ‫ﺙ‪ .‬ﺃﻥ ﻳﻘﻘﻭﻡ ﻋﻠﻰ ﻧﻔﻘﺔ ﺍﻟﺷﺭﻛﺔ ﺑﺟ‬
‫ﺗﺗﺳﻭﻳﺔ ﺍﻟﻣﻁﺎﻟﺑﺔ‪.‬‬ ‫ﺽ ﺗﻘﻭﻡ ﺑﺩﻓﻌﻪ ﺑﻣﻘﺗﺿﻰ ﻫﻫﺫﻩ ﺍﻟﻭﺛﻳﻘﺔ‪.‬‬ ‫ﺃﻱ ﻣﻣﺑﺎﻟﻎ ﺗﺳﺗﺣﻘﻬﺎ ﻣﻥ ﺃﻱ ﻁﺭﺭﻑ ﺁﺧﺭ ﻧﺗﻳﺟﺔ ﺗﻌﻭﻳﺽ‬
‫‪ .5‬ﺍﻻﺣﺗﻳﺎﻝ‪:‬‬
‫ﺍﻟﻣﺎﺩﺓ ﺍﻟﺗﺎﺳﻌﺔ‬ ‫ﺗﺳﻘﻁ ﺍﻟﺣﻘﻭﻕ ﺍﻟﻧﺎﺷﺋﺋﺔ ﻋﻥ ﻫﺫﻩ ﺍﻟﻭﺛﻳﻘﺔ ﺇﺫﺍ ﺍﻧﻧﻁﻭﺕ ﺍﻟﻣﻁﺎﻟﺑﺔ ﺍﻟﻣﻘﺩﻣﺔﺔ ﻋﻠﻰ ﺍﺣﺗﻳﺎﻝ‪ ،‬ﺃﻭ ﺍﺳﺗﺧﺩﺩﻡ ﺍﻟﻣﺅ ﱠﻣﻥ‬
‫ﺍﻻﺳﺗﺛﻧﺎءﺍﺕ )ﺍﻟﺣﺎﻻﻻﺕ ﻏﻳﺭ ﺍﻟﻣﻐﻁﺎﺓ ﺗﺄﻣﻣﻳﻧﻳﺎ ﺑﻣﻭﺟﺏ ﻫﺫﻩ ﺍﻟﻭﺛﺛﻳﻘﺔ( ﻟﻥ ﺗﻛﻭﻥ ﺍﻟﺷﺭﻛﻛﺔ‬ ‫ﻥ ﻳﻧﻭﺏ ﻋﻧﻬﻣﺎ ﺃﻭ ﺍﻟﻐﻳﺭ ﺃﺳﺎﻟﻳﺏ ﺃﻭ ﻭﺳﺎﺋﻝ ﺍﺣﺗﻳﺎﺎﻝ ﺑﻐﻳﺔ ﺍﻟﺣﺻﻭﻝ ﻋﻠﻰ ﻣﻧﻔﻌﺔ ﻣﻥ‬ ‫ﻟﻪ ﺃﻭ ﺍﻟﺳﺎﺋﻖ ﺃﻭ ﻣﻥ‬
‫ﺿﺎﺕ ﻓﻲ ﺃﻱ ﻣﻥ ﺍﻟﺣﺎﻻﻻﺕ ﺍﻵﺗﻳﺔ‪:‬‬ ‫ﻣﺳﺋﻭﻟﻟﺔ ﻋﻥ ﺳﺩﺍﺩ ﺍﻟﺗﻌﻭﻳﺿ‬ ‫ﻖ ﺃﻭ ﺍﻟﻐﻳﺭ‬‫ﺕ ﺍﻟﻣﺳﺋﻭﻟﻳﺔ ﺃﻭ ﺍﻟﺿﺭﺭﺭ ﻣﻥ ﺟﺭﺍء ﻓﻌﻝ ﻣﺗﻌﻣﺩ ﻣﻣﻥ ﺍﻟﻣﺅ ﱠﻣﻥ ﻟﻪ ﺃﻭ ﺍﻟﺳﺎﺋﻖ‬ ‫ﻫﺫﻩ ﺍﻟﻭﺛﻳﻘﺔ‪ ،‬ﺃﻭ ﻧﺗﺟﺕ‬
‫ﻉ ﻋﻠﻰ ﺃﻱ ﻁﺭﻑ ﺗﺗﺑﻳﻥ ﻣﻣﺳﺅﻭﻟﻳﺗﻪ ﻋﻥ ﻫﺫﺍ ﺍﻻﺣﺗﺗﻳﺎﻝ ﺳﻭﺍء‬ ‫ﺃﻭ ﺍﻟﺗﻭﺍﻁﺅ ﻣﻊ ﺃﻱ ﻣﻣﻧﻬﻡ‪ ،‬ﻭﻟﻠﺷﺭﻛﺔ ﺍﻟﺭﺟﻭﻉ‬
‫ﺷﺭﻛﺔ ﺑﺗﻌﻭﻳﺽ ﺍﻟﻐﻳﺭ ﺇﺫﺫﺍ ﻛﺎﻥ ﺣﺳﻥ ﺍﻟﻧﻳﺔ‪.‬‬ ‫ﺃﻛﺎﻥ ﻣﺷﺎﺭ ﻛﺎ ﺃﻡ ﻣﺗﻭﻭﺍﻁﺋﺎ‪ ،‬ﻋﻠﻰ ﺃﻥ ﺗﻠﺗﺯﻡ ﺍﻟﺷ‬
‫ﻟﻠﻣﻣﺗﻠﻛﺎﺕ ﺍﻟﻌﺎﺋﺩﺓ ﺇﻟﻰ ﺃﻱ ﻣﻥ ﺍﻟﻣﻣﺅ ﱠﻣﻥ‬
‫ﺕ‬ ‫ﺍﻟﻣﺅ ﱠﻣﻥ ﻋﻠﻳﻬﺎ‪ ،‬ﺃﻭ‬
‫ﺍﻟﺧﺳﺎﺭﺓ ﺃﺃﻭ ﺍﻟﺿﺭﺭ ﻟﻠﻣﺭﻛﺑﺔ ﺅ‬ ‫‪.1‬‬
‫‪ .6‬ﺍﻹﻟﻐﺎء‪:‬‬
‫ﺳﻁﺔ‬ ‫ﺗﻠﺣﻖ ﺑﺎﻟﺑﺿﺎﺋﻊ ﺍﻟﻣﻧﻘﻭﻟﺔ ﺑﻭﺍﺳ‬
‫ﺧﺎﺭﺟﻬﺎ‪ ،‬ﺃﻭ ﺍﻟﺗﻲ ﻖ‬ ‫ﺳﺎﺋﻖ ﺩﺍﺧﻝ ﺍﻟﻣﺭﻛﺑﺔ ﺃﻭ ﺧ‬ ‫ﻟﻪ ﺃﻭ ﺍﻟﺳ‬
‫ﻻ ﻳﺣﻖ ﻟﻠﺷﺭﻛﺔ ﻭﻻ ﻟﻠﻣﺅﻣﻥ ﻟﻪ ﺇﻟﻐﺎء ﻫﺫﻩ ﺍﻟﻭﻭﺛﻳﻘﺔ ﺑﻌﺩ ﺇﺻﺩﺍﺭﻫﺎ ﺇﻻ ﻓﻓﻲ ﺃﻱ ﻣﻥ ﺍﻟﺣﺎﻻﺕ ﺍﻵﺗﻳﻳﺔ‪:‬‬
‫ﺃﻭ ﺗﺣﺕ ﺇﺷﺭﺍﻓﻪ ﺃﻭ ﺃﻣﺎﻧﺔ ﻟﺩﻳﻪ‪.‬‬ ‫ﺃﻭ ﺗﻠﻙ ﺍﻟﺗﻲ ﻓﻲ ﻋﻬﺩﺗﻪ ﻭ‬ ‫ﺍﻟﻣﺭﻛﺑﺔ ﻭ‬
‫ﺃ‪ .‬ﺇﺳﻘﺎﻁ ﺳﺟﻝ ﺍﻟﻣﺭﻛﺑﺔ‪.‬‬
‫ﺍﻟﻭﻓﺎﺓ ﺃﻭ ﺍﺍﻹﺻﺎﺑﺔ ﺍﻟﺟﺳﺩﻳﺔ ﻟﻠﻣﺅ ﱠﻣﻥ ﻟﻪ‪ ،‬ﺃﻭ ﺍﻟﺳﺎﺋﻖ‪.‬‬ ‫‪.2‬‬
‫ﺏ‪ .‬ﺍﻧﺗﻘﺎﻝ ﻣﻠﻛﻳﺔ ﺍﺍﻟﻣﺭﻛﺑﺔ ﺇﻟﻰ ﻣﺎﻟﻙ ﺁﺧﺭ‪.‬‬
‫ﺳﺭﻋﺔ‬ ‫ﺳﺑﺎﻗﺎﺕ ﺃﻭ ﻓﻲ ﺗﺣﺩﻳﺩ ﺳ‬ ‫ﺇﺫﺍ ﻛﺎﻧﺕ ﺍﻟﻣﺭﻛﺑﺔ ﻣﺳﺗﻌﻣﻠﺔ ﻓﻲ ﺃﻱ ﻧﻭﻉ ﻣﻥ ﺃﻧﻭﺍﻉ ﺍﻟﺳ‬ ‫‪.3‬‬
‫ﺕ‪ .‬ﻭﺟﻭﺩ ﻭﺛﻳﻘﺔ ﺗﺗﺄﻣﻳﻥ ﺑﺩﻳﻠﺔ ﺗُﻐﻁﻲ ﺍﻟﻔﺗﺭﺓﺓ ﺍﻟﻣﺗﺑﻘﻳﺔ ﻣﻥ ﺍﻟﻭﺛﻳﻘﺔ ﺍﻟﻣﺯ‬
‫ﻣﺯﻣﻊ ﺇﻟﻐﺎﺅﻫﺎ‪.‬‬
‫ﺍﻻﻧﻁﻼﻕ ﺃﻭ ﻓﻲ ﺗﺟﺭﺑﺔ ﺍﺧﺗﺑﺎﺭ ﺍﻟﻘﻘﺩﺭﺓ‪.‬‬
‫ﺿﻳﺔ ﻣﻥ ﺍﻟﻭﺛﻳﻘﺔ ﺇﻟﻰ ﺍﻟﻣﺅﺅﻣﻥ ﻟﻪ ﻣﻥ‬ ‫ﻖ ﻋﻥ ﺍﻟﻣﺩﺓ ﻏﻳﺭ ﺍﻟﻣﻧﻘﺿ‬ ‫ﻋﻠﻰ ﺃﻥ ﺗﻘﻭﻡ ﺍﻟﺷﺭﻛﻛﺔ ﺑﺈﻋﺎﺩﺓ ﺍﻟﻣﺑﻠﻎ ﺍﻟﻣﺳﺗﺣﻖ‬
‫ﺿﻣﻥ ﺍﻟﻣﻧﺎﻁﻖ ﺍﻟﺗﻲ ﻻ ﻳﺳﻣﻣﺢ ﻋﺎﺩﺓ ﻟﻠﻌﺎﻣﺔ ﺑﺎﻟﻘﻳﺎﺩﺓ ﻓﻳﻬﺎ‬ ‫ﻥ‬ ‫ﺇﺫﺍ ﻛﺎﻧﺕ ﺍﻟﻣﺭﻛﺑﺔ ﻣﺳﺗﻌﻣﻠﺔ‬ ‫‪.4‬‬
‫ﺹ ﺑﻪ ﻋﻥ ﻁﺭﻳﻖ ﺭﻗﻡ ﺍﻟﺣﺳـﺎﺏ‬ ‫ﺧﻼﻝ ﺇﻳﺩﺍﻉ ﺍﻟﻣﺑﻠﻎ ﺍﺍﻟ ُﻣﺗﺑﻘﻲ ﻣﻥ ﺍﻻﺷﺗﺭﺍﻙ ﻓﻲ ﺍﻟﺣﺳﺎﺏ ﺍﻟﺑﻧﻛﻲ ﺍﻟﺧﺎﺹ‬
‫ﺟﺎﺭﻳﺔ‬ ‫ﺭﻳﺔ ﻣﺎ ﻟﻡ ﺗﻛﻥ ﺍﻟﻣﺭﻛﺑﺔ ﻣﺳﺗﺧﺩﻣﺔ ﻷﻏﺭﺍﺽ ﺗﺟ‬ ‫ﻁﺎﺭﺍﺕ ﺃﻭ ﺍﻟﻣﻭﺍﻧﺊ ﺍﻟﺑﺣﺭ‬ ‫ﺩﺍﺧﻝ ﺍﻟﻣﻁ‬
‫ﺙ ﺃﻱ ﻣﻥ‬ ‫ﺍﻟﻣﺻﺭﻓﻲ ﺍﻟﺩﻭﻟـﻲ )‪ ,(IBAN‬ﻭﺫﻟﻙ ﺧﻼﻝ ﺛﻼﺛﺔ ﺃﻳﺎﻡ ﻋﻣﻝ ﻣﻥ ﺗﺎﺭﺭﻳﺦ ﻋﻠﻡ ﺍﻟﺷﺭﻛﺔ ﺑﺣﺩﻭﺙ‬
‫ﺍﻟﻧﻁﺎﻕ ﺍﻟﻣﺳﻣﻭﺡ ﺑﻪ ‪.‬‬
‫ﻕ‬ ‫ﻓﻲ‬
‫ﺍﻟﺣﺎﻻﺕ ﺍﻟﻣﺫﻛﻭﺭﺓ ﻓﻓﻲ ﻣﻘﺩﻣﺔ ﺍﻟﻔﻘﺭﺓ‪ ،‬ﻭﻳﺣﺗﺗﺳﺏ ﺍﻟﻣﺑﻠﻎ ﺍﻟﻣﺳﺗﺣﻖ ﺇﻋﻋﺎﺩﺗﻪ ﻟﻠﻣﺅﻣﻥ ﻟﻪ ﻋﻥ ﺍﺍﻟﻣﺩﺓ ﻏﻳﺭ‬
‫ﺿﺭﺍﺭ‬ ‫ﺩﻭﻥ ﻭﺟﻪ ﺣﻖ ﺑﻘﺻﺩ ﺍﻹﺿ‬ ‫ﺍﻟﻣﺅ ﱠﻣﻥ ﻟﻪ ﺃﻭ ﺍﻟﺳﺎﺋﻖ ﺑﺗﺣﻣﻣﻝ ﻣﺳﺋﻭﻟﻳﺔ ﺍﻟﺣﺎﺩﺙ ﻥ‬ ‫‪ .5‬ﺇﻗﺭﺍﺭ ﺅ‬
‫ﻣﻳﻧﻳﺔ ﻛﺎﻣﻠﺔ‬
‫ﻼﻝ ﻁﺭﺡ ﺍﻷﻳﺎﻡ ﺍﻟﻣﻧﻘﺿﻳﻳﺔ ﻣﻥ ﺃﻳﺎﻡ ﺍﻟﺗﻐﻁﻳﺔ ﺍﻟﺗﺄﻣﻳ‬ ‫ﺍﻟﻣﻧﻘﺿﻳﺔ ﻣﻥ ﻓﺗﺭﺓ ﺍﻟﺗﻐﻁﻳﺔ ﺍﻟﺗﺄﻣﻳﻧﻳﺔ ﻣﻥ ﺧﻼ‬
‫ﺑﺎﻟﺷﺭﻛﺔ‪.‬‬
‫ﺻﻭﻣﺎ ﻣﻧﻪ‬ ‫ﻰ ﻋﺩﺩ ﺃﻳﺎﻡ ﺍﻟﺗﻐﻁﻳﺔ ﺍﻟﺗﺗﺄﻣﻳﻧﻳﺔ ﻛﺎﻣﻠﺔ ﻭﺿﺭﺏ ﺍﻟﻧﺎﺗﺞ ﺑﺎﻻﺷﺗﺭﺍﻙ ﻣﺧﺻ‬ ‫ﺛﻡ ﻗﺳﻣﺔ ﺍﻟﻧﺎﺗﺞ ﻋﻠﻰ‬
‫ﺻﺎﺩﺭ‬‫ﻭﺍﻟﻣﺛﺑﺕ ﻓﻲ ﺗﻘﺭﻳﺭ ﺍﻟﺣﺎﺩﺙ ﺍﻟﺻ‬
‫ﺕ‬ ‫ﻋﻠﻰ ﺣﺎﺩﺙ ﻣﻔﺗﻌﻝ‬‫‪ .6‬ﺗﻭﺍﻁﺅ ﺍﻟﻣﻣﺅﻣﻥ ﻟﻪ ﻣﻊ ﺍﻟﻐﻳﺭ ﻰ‬
‫ﻻﺷﺗﺭﺍﻙ ﺍﻟﻣﺗﺑﻘﻲ ﻟﺗﻛﻭﻥ ﻛﺎﻵﺗﻲ‪:‬‬ ‫ﺻﻰ( ﻭﻳﻛﻭﻥ ﺍﻟﻧﺎﺗﺞ ﻫﻭ ﺍﻻ‬ ‫ﺍﻟﺭﺳﻭﻡ ﺍﻹﺩﺍﺭﻳﺔ )ﻣﺑﺑﻠﻎ ‪ 25‬ﺭﻳﺎ ﻻ ﻛﺣﺩ ﺃﻗﺻ‬
‫ﻣﻭﻗﻊ ﺍﻟﺣﺎﺩﺙ‪.‬‬
‫ﺍﻟﺟﻬﺔ ﺍﻟﻣﺧﻭﻟﺔ ﺑﻣﺑﺎﺷﺭﺓ ﻊ‬ ‫ﺔ‬ ‫ﻋﻥ‬
‫ﺳﻭﻡ ﺍﻹﺩﺍﺭﻳﺔ )ﻣﺑﻠﻎ ‪ 25‬ﺭﻳﺎﻻ ﻛﺣﺩ‬ ‫ﺷﺗﺭﺍﻙ ﺑﻌﺩ ﺧﺻﻡ ﺍﻟﺭﺳﻭ‬ ‫ﻣﺳﺗﻬﻠﻛﺔ( ‪ x 365 /‬ﺍﻻﺷ‬ ‫)‪ – 356‬ﺍﻷﻳﺎﻡ ﺍﻟﻣﺳ‬
‫‪ .7‬ﺍﻟﺗﻔﺣﻳﻁ‪.‬‬
‫ﻙ ﺍﻟﻣﺗﺑﻘﻲ‪.‬‬
‫ﺃﻗﺻﻰ( = ﺍﻻﺷﺗﺭﺍﻙ‬
‫ﺷﻐﻠﺔ ﻛﺂﻟﻳﺎﺕ ﻋﻣﻝ‪.‬‬ ‫ﺇﺫﺍ ﻛﺎﻧﺕ ﺍﻟﻣﺭﻛﺑﺔ ﻣﺳﺗﻌﻣﻠﺔ ﺃﻭ ﻣﺷ‬ ‫‪.8‬‬
‫ﻭﻳﺳﺗﺛﻧﻰ ﻣﻥ ﺇﻟﺯﺍﻡ ﺍﻟﻟﺷﺭﻛﺔ ﺑﺩﻓﻊ ﺍﻻﺷﺗﺭﺍﻙ ﺍﻟﻣﺗﺑﻘﻲ ﻓﻲ ﺣﺎﻝ ﻭﺟﻭﺩ ﻣﻁﺎﻟﺑﺔ ‪ -‬ﻣﺗﻌﻠﻘﺔ ﺑﺎﻟﻭﺛﻳﻘﻳﻘﺔ ﺍﻟ ُﻣﺯﻣﻊ‬
‫‪ .9‬ﺍﻟﻐﺭﺍﻣﺎﺕ ﺃﻭ ﺍﻟﻌﻘﻭﺑﺎﺕ ﺍﻟﻣﺎﻟﻳﺔ‪ ،‬ﺃﻭ ﺍﻟﻛﻔﺎﻻﺕ ﺍﻟﺗﻲ ﻗﺩ ﺗﺗﻔﺭﺽ ﺑﺳﺑﺏ ﺍﻟﺣﺎﺩﺙ ﻋﻠﻰ‬
‫ﺽ ﺇﻋﺎﺩﺗﻪ ﻭﻓﻖ ﻁﺭﻳﻘﺔﺔ ﺍﻟﺣﺳﺎﺏ‬ ‫ﺇﻟﻐﺎﺅﻫﺎ ﻭﻋﻠﻰ ﺫﺍﺕ ﺍﻟﻣﺭﻛﺑﺔ‪ -‬ﺗﺯﻳﺩ ﻗﻳﻣﺗﻬﺎ ﻋﻥ ﻗﻳﻣﺔ ﺍﻟﻣﺑﻠﻎ ﺍﻟﻣﻔﺗﺭﺽ‬
‫ﺍﻟﻣﺅ ﱠﻣﻥ ﻪ‬
‫ﻟﻪ ﺃﻭ ﺍﻟﺳﺎﺋﻖ‪.‬‬
‫ﺃﻋﻼﻩ‪.‬‬
‫‪ .10‬ﺃﻱ ﻣﺳﺅﻭﻟﻳﺔ ﺃﻭ ﻣﺻﺎﺭﻳﻑ ﺗﻧﺷﺄ ﻧﺗﺗﻳﺟﺔ ﻣﺑﺎﺷﺭﺓ ﺃﻭ ﻏﻳﺭ ﻣﺑﺎﺎﺷﺭﺓ ﻣﻥ ﺍﻵﺗﻲ‪:‬‬
‫ﺣﻛﺎﻡ ﻫﺫﻩ ﺍﻟﻭﺛﻳﻘﺔ ﺑﺷﺄﻥ ﺍﻻﻻﻟﺗﺯﺍﻣﺎﺕ‬ ‫ﻅﻝ ﺍﻟﺷﺭﻛﺔ ﻭﺍﻟﻣﺅ ﱠﻣﻥ ﻟﻪﻪ ﻭﺍﻟﺳﺎﺋﻖ ﻣﻠﺗﺯﻣﻳﻥ ﺑﺄﺣﻛ‬ ‫ﻭﺑﺎﻟﺭﻏﻡ ﻣﻣﺎ ﺗﻘﺩﻡ ﺗﻅ‬
‫ﻋﻣﺎﻝ‬ ‫ﻷﻋﻣﺎﻝ ﺍﻟﻌﺩﻭﺍﻧﻳﺔ ﺃﻭ ﺍﻷﻋ‬ ‫ﺍﻟﺣﺭﺏ ﺃﻭ ﺍﻟﻐﺯﻭ ﺃﻭ ﺃﻋﻣﺎﻝ ﺍﻟﻌﺩﻭﺍﻥ ﺍﻷﺟﻧﺑﻲ ﺃﻭ ﺍﻷ‬ ‫ﺏ‬ ‫ﺃ‪.‬‬
‫ﺍﻟﻧﺎﺷﺋﺔ ﻗﺑﻝ ﺇﻟﻐﺎﺋﻬﺎ‪.‬‬
‫ﻟﺣﺭﺏ ﺍﻷﻫﻠﻳﺔ‪.‬‬ ‫ﺷﺑﻪ ﺍﻟﺣﺭﺑﻳﺔ )ﺳﻭﺍء ﺃﻋﻠﻧﺕ ﺍﻟﻟﺣﺭﺏ ﺃﻡ ﻟﻡ ﺗﻌﻠﻥ( ﺃﻭ ﺍﻟﺣ‬
‫‪ .7‬ﺇﺻﺩﺍﺭ ﺍﻟﻭﺛﻳﻘﺔ ﻭﻭﺍﻹﺷﻌﺎﺭ ﺑﺎﻟﺗﺟﺩﻳﺩ‪:‬‬
‫ﺳﻠﻁﺔ‬ ‫ﺻﻳﺎﻥ ﺃﻭ ﺍﻟﺛﻭﺭﺓ ﺃﻭ ﺍﻟﺳ‬ ‫ﺭﻳﺔ ﺃﻭ ﺍﻟﺷﻌﺑﻳﺔ ﺃﻭ ﺍﻟﻌﺻ‬ ‫ﺏ‪ .‬ﺍﻟﺗﻣﺭﺭﺩ ﺃﻭ ﺍﻻﻧﺗﻔﺎﺿﺔ ﺍﻟﻌﺳﻛﺭ‬
‫ﻅﺎﻡ ﺍﻟﺷﺭﻛﺔ ﺍﻟﺣﺎﺻﻠﺔ ﻋﻋﻠﻰ ﻣﻭﺍﻓﻘﺔ‬ ‫ﺻﺩﺍﺭ ﻫﺫﻩ ﺍﻟﻭﺛﻳﻘﺔ ﻣﺎ ﻟﻡﻡ ﺗﻛﻥ ﻣﺭﺗﺑﻁﺔ ﺁﻟﻳﺎ ﺑﻧﻅ‬ ‫ﻻ ﻳﺣﻖ ﻟﻠﺷﺭﻛﺔ ﺇﺻ‬
‫ﺳﺑﺎﺏ‬ ‫ﺍﻟﻌﺭﻓﻳﺔ ﺃﻭ ﺣﺎﻟﺔ ﺍﻟﺣﺻﺎﺭ ﺃﻭ ﺃﻱ ﻣﻥ ﺍﻷﺣﺩﺍﺙ ﺃﻭ ﺍﻷﺳ‬ ‫ﺔ‬ ‫ﺻﺑﺔ ﺃﻭ ﺍﻷﺣﻛﺎﻡ‬‫ﺍﻟﻐﺎﺻ‬
‫ﺎﺭ ﺍﻟﻣﺅ ﱠﻣﻥ‬
‫ﺍﻟﻣﺅﺳﺳﺔ ﺑﺗﻘﺩﻳﻡ ﺧﺩﻣﻣﺔ ﺟﻣﻊ ﻭﺣﻔﻅ ﻭﺗﺑﺎﺩﻝ ﺍﺍﻟﻣﻌﻠﻭﻣﺎﺕ ﺍﻟﺗﺄﻣﻳﻧﻳﺔ‪ ،‬ﻭﻳﻳﺟﺏ ﻋﻠﻰ ﺍﻟﺷﺭﻛﺔ ﺇﺷﻌﺎﺭ‬
‫ﻋﻣﺎﻝ‬ ‫ﺳﺗﻣﺭﺍﺭ ﺍﻷﺣﻛﺎﻡ ﺍﻟﻌﺭﻓﻳﺔ ﺃﻭ ﺣﺎﻟﺔ ﺍﻟﺣﺻﺎﺭ ﺃﻭ ﺃﻋ‬ ‫ﺍﻟﺗﻲ ﺗﺅﺩﻱ ﺇﻟﻰ ﺇﻋﻼﻥ ﺃﻭ ﺍﺳ‬
‫ﻰ ﻭﺛﻳﻘﺔ ﻣﻥ‬ ‫ﻟﻪ ﻗﺑﻝ ﻣﻭﻋﺩ ﺗﺎﺭﻳﺦ ﺍﻧﺗﻬﺎء ﺍﻟﻭﺛﻳﻘﺔ ﺑﻌﺷﺭﻳﻥ ﻳﻳﻭﻡ ﻋﻣﻝ ﻟﻳﺗﻣﻛﻥ ﻣﻥ ﺗﺟﺟﺩﻳﺩﻫﺎ ﺃﻭ ﺍﻟﺣﺻﻭﻝ ﻋﻠﻰ‬
‫ﺃﺷﺧﺎﺹ ﻳﻌﻣﻠﻭﻥ ﺑﺻﻔﺔ ﻣﻧﻔﺭﺩﺩﺓ ﺃﻭ‬
‫ﺹ‬ ‫ﺍﻟﺗﺧﺭﺭﻳﺏ ﻭﺍﻹﺭﻫﺎﺏ ﺍﻟﺗﻲ ﻳﺭﺗﻛﺑﻬﺎ ﺷﺧﺹ ﺃﻭ‬
‫ﺷﺭﻛﺔ ﺃﺧﺭﻯ‪.‬‬
‫ﺻﺩ ﺑﺎﻹﺭﻫﺎﺏ ﺍﺳﺗﺧﺩﺍﻡ ﺍﻟﻟﻌﻧﻑ‬ ‫ﻧﻳﺎﺑﺔ ﻋﻥ ﺃﻭ ﻋﻠﻰ ﺻﻠﺔ ﺑﺄﻱ ﻣﻧﻅﻣﺔ ﺇﺭﻫﺎﺑﻳﺔ‪ .‬ﻭﻳﻘﺻ‬
‫ﺿﺎﺋﻲ ﻭﺍﻟﻧﻅﺎﻡ ﺍﻟﻭﺍﺟﺏ ﺍﺍﻟﺗﻁﺑﻳﻖ‪:‬‬ ‫‪ .8‬ﺍﻻﺧﺗﺻﺎﺹ ﺍﻟﻘﺿ‬
‫ﻋﻧﺻﺭﻳﺔ ﺃﻭ ﻋﺭﻗﻳﺔ ﺃﻭ ﺍﺟﺗﻣﺎﻋﻳﻳﺔ ﺃﻭ‬
‫ﺔ‬ ‫ﻷﻏﺭﺭﺍﺽ ﺳﻳﺎﺳﻳﺔ ﺃﻭ ﻓﻛﺭﻳﺔ ﺃﻭ ﻓﻠﺳﻔﻳﺔ ﺃﻭ‬
‫ﻠﻛﺔ ﺍﻟﻌﺭﺑﻳﺔ‬‫ﺃ‪ .‬ﻳﺧﺿﻊ ﺃﻱ ﻧﻧﺯﺍﻉ ﻳﻧﺷﺄ ﻋﻥ ﻫﺫﻩ ﺍﻟﻭﻭﺛﻳﻘﺔ ﻟﻸﻧﻅﻣﺔ ﻭﺍﻟﻠﻭﺍﺋﺢ ﺍﻟﻣﻌﻣﻭﻝ ﺑﻬﺎ ﻓﻲ ﺍﻟﻣﻣﻠﻛ‬
‫ﻑ‪ ،‬ﺃﻭ‬‫ﺍﻟﻌﻧﻑ ﻭﺿﻊ ﺍﻟﻌﺎﻣﺔ ﻭ‪/‬ﺃﻭ ﺷﺭﻳﻳﺣﺔ ﻣﻧﻬﻡ ﻓﻲ ﺣﺎﻟﺔ ﺧﻭﻑ‬ ‫ﺩﻳﻧﻳﺔ‪ .‬ﻭﻳﺷﻣﻝ ﺍﺳﺗﺧﺩﺍﻡ ﻑ‬
‫ﺕ ﻭﺍﻟﻣﺧﺎﻟﻔﺎﺕ ﺍﻟﺗﺄﻣﻳﻧﻳﺔ ﺍﻟﻟﻣﻧﺻﻭﺹ‬ ‫ﻥ ﺍﻟﻔﺻﻝ ﻓﻲ ﺍﻟﻣﻧﺎﺯﻋﺎﺕ‬ ‫ﺍﻟﺳﻌﻭﺩﻳﺔ‪ ،‬ﻭﺗﺗﺧﺗﺹ ﺑﺎﻟﻔﺻﻝ ﻓﻳﻪ ﻟﺟﺎﻥ‬
‫ﺍﻟﺗﺄﺛﻳﺭ ﻋﻠﻰ‪ ،‬ﻭ‪/‬ﺃﻭ ﺍﻟﺗﺳﺑﺏ ﻓﻓﻲ ﺍﺿﻁﺭﺍﺏ‪ ،‬ﻭ‪/‬ﺃﻭ ﺍﻟﺗﻟﺗﺩﺧﻝ ﻓﻲ ﺃﻱ ﻋﻣﻠﻳﺎﺕ ﻭ‪/‬ﺃﻭ‬ ‫ﺭ‬
‫ﻅﺎﻡ ﻣﺭﺍﻗﺑﺔ ﺷﺭﻛﺎﺕ ﺍﻟﺗﺄﻣﻣﻳﻥ ﺍﻟﺗﻌﺎﻭﻧﻲ ﺍﻟﺻﺎﺩﺭ ﺑﺎﻟﻣﺭﺳﻭﻡ‬ ‫ﻋﻠﻳﻬﺎ ﻓﻲ ﺍﻟﻣﻣﺎﺩﺓ ﺭﻗﻡ )‪ (20‬ﻣﻥ ﻧﻅ‬
‫ﻓﻲ ﺍﺿﻁﺭﺍﺏ ﻳﺅﺛﺭ ﺳﻠﺑﺎ ﻋﻠﻰ‬ ‫ﻁﺔ ﺃﻭ ﺳﻳﺎﺳﺎﺕ ﺧﺎﺻﺔ ﺑﺎﺎﻟﺣﻛﻭﻣﺔ‪ ،‬ﺃﻭ ﺍﻟﺗﺳﺑﺏ ﻲ‬ ‫ﺃﻧﺷﻁ‬
‫‪1424/06‬ﻫـ‪.‬‬ ‫ﺍﻟﻣﻠﻛﻲ ﺭﻗﻡ ))ﻡ‪ (32/‬ﻭﺗﺎﺭﻳﺦ ‪6/02‬‬
‫ﺻﺎﺩ ﺍﻟﻭﻁﻧﻲ ﺃﻭ ﺃﻱ ﻣﻥ ﻗﻁﺎﻋﺎﺗﻪ‪.‬‬ ‫ﺍﻻﻗﺗﺻ‬
‫ﺏ‪ .‬ﻻ ﺗُﺳﻣﻊ ﺃﻱ ﺩﻋﻭﻯ ﻧﺎﺷﺋﺔ ﻋﻥ ﻫﺫﻩﻩ ﺍﻟﻭﺛﻳﻘﺔ ﺑﻌﺩ ﺍﻧﻘﺿﺎء ﺧﺧﻣﺱ ﺳﻧﻭﺍﺕ ﻋﻠﻰ ﺣﺩﻭﻭﺙ ﺍﻟﻭﺍﻗﻌﺔ‬
‫ﺿﻁﺭﺍﺑﺎﺕ ﺍﻟﻣﺩﻧﻳﺔ ﺃﻭ ﺍﻟﻌﻌﻣﺎﻟﻳﺔ‪.‬‬‫ﺿﺭﺍﺏ ﺃﻭ ﺍﻟﺷﻐﺏ ﺃﻭ ﺍﻻﺿ‬ ‫ﺕ‪ .‬ﺍﻹﺿ‬
‫ﻱ ﺍﻟﻣﺻﻠﺣﺔ ﺑﺣﺩﻭﺛﻬﺎ ﻣﺎ ﻟﻡ ﻳﻛﻥ ﻫﻧﺎﻙ ﻋﺫﺭ ﺗﻘﺗﻧﻊﻊ ﺑﻪ ﻟﺟﺎﻥ‬ ‫ﻋﻧﻬﺎ ﺍﻟﺩﻋﻭﻯ ﻭﻋﻠﻡ ﺫﻭﻱ‬ ‫ﺍﻟﺗﻲ ﻧﺷﺄﺕ ﻋ‬
‫ﺳﻠﺣﺔ ﺍﻟﻧﻭﻭﻳﺔ ﺃﻭ ﺍﻹﺷﻌﺎﺎﻋﺎﺕ‬ ‫ﺃﻭ ﺗﻛﻭﻥ ﺳﺎﻫﻣﺕ ﻓﻳﻪ ﺍﻷﺳ‬ ‫ﺙ‪ .‬ﻣﺎ ﻳﻧﺗﺗﺞ ﺑﺳﺑﺏ ﺃﻭ ﻳﻧﺷﺄ ﻋﻥ ﻭ‬
‫ﺍﻟﻔﺻﻝ ﻓﻲ ﺍﻟﻟﻣﻧﺎﺯﻋﺎﺕ ﻭﺍﻟﻣﺧﺎﻟﻔﺎﺕ ﺍﻟﻟﺗﺄﻣﻳﻧﻳﺔ‪.‬‬
‫ﺣﺗﺭﺍﻕ‬ ‫ﺍﻷﻳﻭﻧﻧﻳﺔ ﺃﻭ ﺍﻟﺗﻠﻭﺙ ﺑﺎﻹﺷﻌﺎﻉ ﻣﻥ ﺃﻱ ﻭﻗﻭﺩ ﺃﻭ ﺃﻳﺔ ﻧﻔﺎﻳﻳﺎﺕ ﻧﻭﻭﻳﺔ ﻧﺎﺗﺟﺔ ﻋﻥ ﺍﺣ‬
‫ﺷﻁﺎﺭ‬ ‫ﻭﻗﻭﺩ ﻧﻭﻭﻱ‪ ،‬ﻭﻷﻏﺭﺍﺽ ﻫﺫﺍ ﺍﻻﺳﺗﺛﻧﺎء ﻓﺈﻥ ﺍﻻﺣﺗﺭﺍﻕ ﻳﺷﻣﻝ ﺃﻱ ﻋﻣﻠﻳﺔ ﺍﻧﺷ‬
‫ﻧﻭﻭﻱ ‪.‬‬
‫ﻱ‬ ‫ﺍﻟﻣﺎﺩﺓ ﺍﻟﺛﺎﻣﻧﺔ‬
‫ﺝ‪ .‬ﺍﻟﻛﻭﺍﺭﺭﺙ ﺍﻟﻁﺑﻳﻌﻳﺔ ﻣﺛﻝ ﺍﻷﻋﺎﺻﻳﺭ‪ ،‬ﺃﻭ ﺍﻟﺯﻻﺯﻝ‪ ،‬ﺃﻭ ﺍﺍﻟﻔﻳﺿﺎﻧﺎﺕ‪ ،‬ﺃﻭ ﺍﻟﺑﺭﺍﻛﻳﻥ‪.‬‬ ‫ﺕ ﺍﻟﺗﻲ ﺗﻠﺗﺯﻡ ﺍﻟﺷﺭﻛﺔ ﺑﺗﻌﻭﻳﺽ ﺍﻟﻐﻳﺭ ﻋﻧﻬﺎﺎ ﻣﻊ ﺍﺣﺗﻔﺎﻅﻬﺎ ﺑﺣﻖ‬
‫ﺍﻟﺣﺎﻻﺕ‬
‫ﺳﺑﺏ ﻓﻲ ﺍﻟﺣﺎﺩﺙ‬‫ﺟﻭﻉ ﻋﻠﻰ ﺍﻟﻣﺅ ﱠﻣﻥ ﻟﻪﻪ ﺃﻭ ﺍﻟﺳﺎﺋﻖ ﺃﻭ ﺍﻟﻣﺗﺳ‬
‫ﺍﻟﺭﺟ‬

‫ﺃﻭﻻً‪ :‬ﻟﻠﺷﺭﻛﺔ ﺣﻖ ﺍﻟﻟﺭﺟﻭﻉ ﻋﻠﻰ ﺍﻟﻣﺅ ﱠﻣﻥ ﻟﻪ ﺃﻭ ﺍﻟﺳﺎﺋﻖ ﻻﺳﺗﺭﺩﺍﺩ ﻣﺎ ﺩﻓﻌﺗﻪ ﻟﻠﻐﻳﺭ ﻋﻥ ﺃﻱ ﻣﻥﻥ ﺍﻟﺣﺎﻻﺕ‬
‫ﺍﻵﺗﻳﺔ‪:‬‬
‫‪ .1‬ﺃﻱ ﻣﺳﺅﻭﻟﻳﺔ ﺃﻭ ﻣﺻﺎﺭﻳﻑ ﺗﻧﺷﺄ ﺃﻭ ﺗﺗﺭﺗﺗﺏ ﻋﻧﺩﻣﺎ ﺗﻛﻭﻥ ﺍﻟﻣﺭﻛﺑﺔﺔ‪:‬‬
‫ﻣﺳﺗﻌﻌﻣﻠﺔ ﻋﻠﻰ ﻭﺟﻪ ﻳﺧﺎﻟﻑ ﻗﻳﻳﺩ ﺍﻻﺳﺗﻌﻣﺎﻝ ﺍﻟﻣﺑﻳﻥ ﻓﻲ ﺟﺩﻭﻝ ﺍﻟﻭﺛﻳﻘﺔ‪.‬‬ ‫ﺃ‪.‬‬
‫ﺟﺎﻭﺯ ﺍﻟﺳﻌﺔ ﺍﻟﻣﺻﺭﺡ ﺑﻬﺎ ﻟﻠﻣﺭﻛﺑﺔ‪ ،‬ﻭﺛﺑﺕ ﺃﻥﻥ ﺣﺻﻭﻝ‬ ‫ﺏ‪ .‬ﺗﺣﻣﻝﻝ ﻋﺩﺩﺍ ﻣﻥ ﺍﻟﺭﻛﺎﺏ ﻳﺗﺟ‬
‫ﺍﻟﺣﺎﺩﺙ ﻛﺎﻥ ﺑﺳﺑﺏ ﻫﺫﺍ ﺍﻟﺗﺟﺎﻭﻭﺯ‪.‬‬
‫ﺕ‪ .‬ﺍﻟﺳﻳﺭﺭ ﺑﺎﻟﻣﺭﻛﺑﺔ ﻋﻛﺱ ﺍﺗﺟﺎﻩ ﺍﻟﺳﻳﺭ‪.‬‬
‫ﻲ ﻻ ﻳﺳﻣﺢ‬ ‫ﺙ‪ .‬ﺍﻟﻘﻳﺎﺩﺓﺓ ﺗﺣﺕ ﺗﺄﺛﻳﺭ ﺍﻟﻣﺧﺩﺭﺍﺕ ﺃﻭ ﺍﻟﻣﺷﺭﻭﺑﺎﺕ ﺍﻟﻛﺣﻭﻟﻳﻳﺔ ﺃﻭ ﺍﻟﻌﻘﺎﻗﻳﺭ ﺍﻟﻁﺑﻳﺔ ﺍﻟﺗﻲ‬
‫ﻁﺑﻳﺎ ً ﺑﺎﻟﻘﻳﺎﺩﺓ ﺑﻌﺩ ﺗﻧﺎﻭﻟﻬﺎ‪.‬‬
‫ﺝ‪ .‬ﻗﻳﺎﺩﺓ ﺃﻱ ﺷﺧﺹ ﻳﻘﻝ ﻋﻣﺭﻩ ﻋﻥ )‪ (18‬ﻋﺎﻣﺎ ً ﻫﺟﺭﻳﺎ ُ ﻣﺎ ﻟﻡ ﻳﻛﻥ ﻫﻭ ﺍﻟﻣﺅ ﱠﻣﻥ ﻟﻪ ﻭﻣﺎ ﻟﻡ‬
‫ﺳﺎﺋﻘﻳﻥ ﺍﻟ ُﻣﺳﻣﻳﻥ ﺍﻟﺫﻳﻥ ﺗﻘﻘﻝ ﺃﻋﻣﺎﺭﻫﻡ ﻋﻥ )‪ ( 18‬ﺳﻧﺔ ﻓﻲ‬ ‫ﻳﺭﺩ ﺍﺳﻣﻪ ﺿﻣﻥ ﺃﺳﻣﺎء ﺍﻟﺳ‬
‫ﺟﺩﻭﻝﻝ ﺍﻟﻭﺛﻳﻘﺔ‪.‬‬
‫ﺕ ﺩﻭﻥ ﺍﻟﺣﺻﻭﻝ ﻋﻠﻰ ﺭﺧﺻﺔ ﻗﻳﺎﺩﺓ ﻟﻧﻭﻉ ﺍﻟﻣﺭﺭﻛﺑﺔ ﻁﺑﻘﺎ ً‬ ‫ﺡ‪ .‬ﺇﺫﺍ ﺛﺑﺑﺕ ﺃﻥ ﻗﻳﺎﺩﺓ ﺍﻟﻣﺭﻛﺑﺔ ﺗﻣﺕ‬
‫ﻼﻗﺔ‪ ،‬ﺃﻭ ﺃﻥ ﺗﻛﻭﻥ ﺍﻟﺭﺧﺧﺻﺔ ﻗﺩ ﺻﺩﺭ ﺃﻣﺭ ﺑﺳﺳﺣﺑﻬﺎ ﻣﻥ‬ ‫ﻅﻣﺔ ﻭﺍﻟﻠﻭﺍﺋﺢ ﺫﺍﺕ ﺍﻟﻌﻼ‬ ‫ﻟﻸﻧﻅ‬

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