Article 965. Transfer to the insurer of the rights of the policyholder for damages (subrogation).

1. Unless otherwise provided by the property insurance contract, to the insurer who paid the insurance indemnity, the right of claim that the insured (beneficiary) has to the person responsible for the losses compensated as a result of the insurance goes to the limits of the amount paid. However, the condition of the contract, which excludes the transfer to the insurer of the right of claim against the person who intentionally caused the loss, is void. 2. The right of claim transferred to the insurer shall be exercised by it in compliance with the rules governing the relationship between the insured (beneficiary) and the person responsible for losses. 3. The insured (beneficiary) is obliged to transfer to the insurer all documents and evidence and to inform him of all the information necessary for the insurer to transfer the right of claim to him. 4. If the insured (beneficiary) waives his right to claim the person responsible for losses compensated by the insurer, or the exercise of this right became impossible due to the fault of the insurer (beneficiary), the insurer is exempted from paying the insurance indemnity in full or in the relevant part and has the right to demand return overpaid reimbursement.

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References to other articles of chapter 48. Insurance:
Article 927. Voluntary and compulsory insurance.
Article 928. Interests whose insurance is not allowed.
Article 929. Property insurance contract.
Article 930. Property insurance.
Article 931. Insurance of liability for causing harm.
Article 932. Liability insurance under the contract.
Article 933. Insurance of business risk.
Article 934. The contract of personal insurance.
Article 935. Compulsory insurance.
Article 936. Implementation of compulsory insurance.
Article 937. Consequences of violation of the rules on compulsory insurance.
Article 938. Insurer.
Article 939. Fulfillment of obligations under an insurance contract by the insured and beneficiary.
Article 940. The form of the insurance contract.
Article 941. Insurance under the general policy.
Article 942. The essential terms of the insurance contract.
Article 943. The definition of the terms of the insurance contract in the rules of insurance.
Article 944. Information provided by the policyholder upon entry into the insurance contract.
Article 945. The right of the insurer to assess the insured risk.
Article 946. The secret of insurance.
Article 947. Sum Insured.
Article 948. Challenging the insurance value of the property.
Article 949. Incomplete property insurance.
Article 950. Additional property insurance.
Article 951. Consequences of insurance beyond the insured value.
Article 952. Property insurance against various insurance risks.
Article 953. Insurance.
Article 954. Insurance premium and insurance premiums.
Article 955. Replacement of the insured person.
Article 956. Replacement of the beneficiary.
Article 957. Commencement of the insurance contract.
Article 958. Early Termination of the Insurance Contract
Article 959. Consequences of an increase in insurance risk during the term of the insurance contract.
Article 960. Transfer of rights to the insured property to another person.
Article 961. Notification of the insurer of the occurrence of the insured event.
Article 962. Reduction of losses from the insured event.
Article 963. Consequences of the insured event due to the fault of the insured, beneficiary or insured person.
Article 964. Grounds for exemption of the insurer from the payment of insurance compensation and the sum insured.
Article 966. Limitation of actions on claims related to property insurance.
Article 967. Reinsurance.
Article 968. Mutual insurance.
Article 969. Mandatory state insurance.
Article 970. Application of general rules on insurance to special types of insurance.