Article 963. Consequences of the insured event due to the fault of the insured, beneficiary or insured person.
1. The insurer shall be exempt from the payment of insurance compensation or the sum insured if the insured event occurred due to the intent of the insured, beneficiary or insured person, except for the cases provided for in paragraphs 2 and 3 of this article. The law may provide for cases when an insurer is exempted from paying insurance indemnity under property insurance contracts in the event of an insured event due to gross negligence of the insured or beneficiary. 2. The insurer shall not be exempt from the payment of insurance compensation under a civil liability insurance contract for causing harm to life or health if the harm is caused through the fault of the person responsible for it. 3. The insurer shall not be exempted from the payment of the insurance amount, which under the personal insurance contract is payable in the event of the death of the insured person, if his death was due to suicide and by that time the insurance contract was valid for at least two years.
References to other articles of chapter 48. Insurance: