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.
References to other articles of chapter 48. Insurance: