Civil Claim and Insurance Recovery

Legal · English ↔ Chinese

1. Solicitor · turn 1

   Your insurer has paid for the damaged equipment and is considering a claim by subrogation against the contractor. I need to understand exactly what occurred.

   您的保險公司已賠付受損設備，正考慮向承包商提出代位求償。我需要了解事情的確切經過。

2. Business Owner · turn 2

   承包商在暴雨後停止施工，說這是不可抗力，但他離開前沒有保護設備。

   The contractor stopped work after the storm and says it was force majeure, but he did not protect the equipment before he left.

3. Solicitor · turn 3

   Force majeure may excuse performance only if the contract covers the event and the party has taken the required reasonable steps. We must read the clause.

   不可抗力只有在合約涵蓋該事件且當事人已採取所需合理措施時，才可能免除履行責任。我們必須閱讀該條款。

4. Business Owner · turn 4

   我認為他故意不覆蓋設備，因為我們曾就付款爭執。他的行為是出於故意。

   I believe he deliberately left the equipment uncovered because we had argued about payment. His conduct was intentional.

5. Solicitor · turn 5

   Deliberate intention is a serious allegation. Misfeasance can also arise where a person lawfully performs a task but does it improperly; the evidence will matter.

   故意是嚴重的指控。若一個人合法執行某項工作但執行不當，也可能構成不當履行職務；證據將很重要。

6. Business Owner · turn 6

   他還把屬於我的兩台發電機帶走，聲稱要留置直到我付款。

   He also removed two generators belonging to me, saying he would keep them until I paid.

7. Solicitor · turn 7

   We may seek restitution of property, meaning the return of property wrongfully withheld, as well as damages if the evidence supports the claim.

   我們可要求返還財產，即返還被不當扣留的財產；若證據支持索償，也可要求損害賠償。

8. Business Owner · turn 8

   如果保險公司代位求償，我是否仍可以自己要求返還發電機？

   If the insurer makes a subrogated claim, can I still personally seek the return of the generators?

9. Solicitor · turn 9

   The answer depends on the policy and what loss the insurer has indemnified. We must avoid recovering the same loss twice, but property-return relief may be distinct.

   答案取決於保單及保險公司已賠償的損失範圍。我們必須避免對同一損失重複求償，但返還財產的救濟可能屬於不同事項。

10. Business Owner · turn 10

    我會帶合約、保單、照片、訊息紀錄和設備的購買證明。

    I will bring the contract, insurance policy, photographs, messages and proof of purchase for the equipment.

11. Solicitor · turn 11

    Please preserve all records and do not dispose of any damaged items. We will assess the contractual remedies, the insurance position and whether urgent recovery action is appropriate.

    請保留所有紀錄，切勿處置任何受損物品。我們會評估合約救濟、保險立場及是否適合採取緊急追討行動。

12. Business Owner · turn 12

    明白。我會立即整理資料，並請保險公司把代位求償的範圍書面告知我。

    I understand. I will organise the documents immediately and ask the insurer to confirm the scope of its subrogated claim in writing.

This is the read-only transcript view, for reviewing before or after a practice session.