{"id":4897,"date":"2023-09-02T07:09:59","date_gmt":"2023-09-02T07:09:59","guid":{"rendered":"https:\/\/cissar.com\/?p=4897"},"modified":"2023-09-02T07:09:59","modified_gmt":"2023-09-02T07:09:59","slug":"ask-the-law-employee-committed-arson-set-my-factory-on-fire","status":"publish","type":"post","link":"https:\/\/cissar.com\/index.php\/2023\/09\/02\/ask-the-law-employee-committed-arson-set-my-factory-on-fire\/","title":{"rendered":"Ask the law: Employee committed arson, set my factory on fire"},"content":{"rendered":"<article data-page=\"\/uae\/crime\/ask-the-law-employee-committed-arson-set-my-factory-on-fire-1.97335382\" class=\"article  \" data-featured-image=\"https:\/\/imagevars.gulfnews.com\/2022\/08\/20\/Fire_182bbfb86fc_medium.jpg\" data-sections=\"uae,crime\" data-authors=\"By Mohammad Ebrahim Al Shaiba, Special to Gulf News\" itemtype=\"https:\/\/schema.org\/Article\" id=\"1.97335382\">\n<header>\n<div class=\"row\">\n<div class=\"col text-left \">\n<div class=\"tag-container live mb-3\">\n                    <span class=\"tag text-uppercase\"><br \/>\n                    Ask the Law<\/span>\n                <\/div>\n<\/p><\/div>\n<div class=\"col d-none d-md-block\"><\/div>\n<\/p><\/div>\n<h1 itemprop=\"headline\" class=\" \" data-article-head=\"\">Ask the law: Employee committed arson, set my factory on fire<\/h1>\n<p class=\"lead \">Insurance company refuses to pay compensation, as the fire resulted from deliberate act<\/p>\n<hr class=\"divider\">\n<div class=\"row\">\n<div class=\"col-sm-12 col-md-9 gn-col-article-meta\">\n<div class=\"article-meta\">\n        <time class=\"publish\" itemprop=\"datePublished\" datetime=\"2023-08-03T09:55:43+04:00\"><br \/>\n    Published:\u00a0<br \/>\n        <span class=\"time\">August 03, 2023 09:55<\/span><br \/>\n    <\/time><\/p>\n<p>    <span itemscope=\"\" itemtype=\"http:\/\/schema.org\/Person\" itemprop=\"author\" class=\"author\"><br \/>\n            <a rel=\"author\" class=\"font-weight-bold\" itemprop=\"sameAs\" href=\"#\"><br \/>\n                    <span itemprop=\"name\">By Mohammad Ebrahim Al Shaiba, Special to Gulf News<\/span><br \/>\n            <\/a><br \/>\n    <\/span>\n            <\/div>\n<\/p><\/div>\n<div class=\"col-sm-12 col-md-3 gn-col-share text-md-right\">\n<div class=\"article-share gn-media-share-links\">\n<a href=\"javascript:void(0)\" class=\"share-link facebook\" data-share=\"facebook\" data-url=\"https:\/\/gulfnews.com\/uae\/crime\/ask-the-law-employee-committed-arson-set-my-factory-on-fire-1.97335382\" data-description=\"Ask the law: Employee committed arson, set my factory on fire\"><br \/>\n    <svg viewbox=\"0 0 32 32\">\n        <use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"\/\/gulfnews.com\/svg\/gn-sprite.svg#icon-social-fb\"><\/use>\n    <\/svg><br \/>\n<\/a><br \/>\n<a href=\"javascript:void(0)\" class=\"share-link twitter\" data-share=\"twitter\" data-url=\"https:\/\/gulfnews.com\/uae\/crime\/ask-the-law-employee-committed-arson-set-my-factory-on-fire-1.97335382\" data-description=\"Ask the law: Employee committed arson, set my factory on fire\"><br \/>\n    <svg viewbox=\"0 0 32 32\">\n        <use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"\/\/gulfnews.com\/svg\/gn-sprite.svg#icon-social-twitter\"><\/use>\n    <\/svg><br \/>\n<\/a><br \/>\n<a href=\"mailto:?subject=Ask%20the%20law%3A%20Employee%20committed%20arson%2C%20set%20my%20factory%20on%20fire&#038;body=https%3A%2F%2Fgulfnews.com%2Fuae%2Fcrime%2Fask-the-law-employee-committed-arson-set-my-factory-on-fire-1.97335382\" class=\"share-link mail d-none\" data-share=\"mail\" data-url=\"https:\/\/gulfnews.com\/uae\/crime\/ask-the-law-employee-committed-arson-set-my-factory-on-fire-1.97335382\" data-description=\"Ask the law: Employee committed arson, set my factory on fire\"><br \/>\n<\/a><\/p>\n<p><a href=\"whatsapp:\/\/send?text=Ask%20the%20law:%20Employee%20committed%20arson,%20set%20my%20factory%20on%20fire%20-%20https:\/\/gulfnews.com\/uae\/crime\/ask-the-law-employee-committed-arson-set-my-factory-on-fire-1.97335382\" data-action=\"share\/whatsapp\/share\" class=\"share-link whatsapp d-none gn-d-mobile\" data-share=\"whatsapp\" data-onlyon-mobile=\"true\" data-url=\"https:\/\/gulfnews.com\/uae\/crime\/ask-the-law-employee-committed-arson-set-my-factory-on-fire-1.97335382\" data-description=\"Ask the law: Employee committed arson, set my factory on fire\"><br \/>\n<\/a><\/p>\n<p><a href=\"javascript:void(0)\" class=\"share-link linkedin d-none\" data-share=\"linkedin\" data-url=\"https:\/\/gulfnews.com\/uae\/crime\/ask-the-law-employee-committed-arson-set-my-factory-on-fire-1.97335382\" data-description=\"Ask the law: Employee committed arson, set my factory on fire\"><br \/>\n<\/a><\/p>\n<p><a href=\"javascript:void(0)\" class=\"share-link share-arrow\" role=\"button\" tabindex=\"0\" data-share-options=\"true\" data-toggle=\"gn-share-popover\" data-placement=\"bottom\" data-trigger=\"focus\" html=\"true\" data-popover-content=\"#gn-share-popover\"><br \/>\n    <svg viewbox=\"0 0 8 8\">\n        <use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"\/\/gulfnews.com\/svg\/gn-sprite.svg#share\"><\/use>\n    <\/svg><br \/>\n<\/a><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"divider\">\n<\/header>\n<div class=\"article-body\" itemprop=\"articleBody\">\n<figure itemprop=\"associatedMedia image\" itemscope=\"\" itemtype=\"http:\/\/schema.org\/ImageObject\" class=\"article-main-image media-landscape pull-left\">\n            <picture><source media=\"(min-width: 1024px)\" srcset=\"https:\/\/imagevars.gulfnews.com\/2022\/08\/20\/Fire_182bbfb86fc_large.jpg\"><source media=\"(min-width: 750px)\" srcset=\"https:\/\/imagevars.gulfnews.com\/2022\/08\/20\/Fire_182bbfb86fc_large.jpg\"><img decoding=\"async\" src=\"https:\/\/imagevars.gulfnews.com\/2022\/08\/20\/Fire_182bbfb86fc_medium.jpg\" alt=\"Fire\"><br \/>\n            <\/source><\/source><\/picture><figcaption class=\"image-caption\" itemprop=\"description\">\n                Picture for illustrative purposes.<br \/>\n                <span class=\"image-credit\">Image Credit: Pixabay<\/span><br \/>\n            <\/figcaption><\/figure>\n<div class=\"story-block\">\n<h2>Question:<\/h2>\n<\/p><\/div>\n<div class=\"story-block\">\n<h2>I am the owner of a company, 6 months ago a fire broke out in my factory and it was revealed through investigations that one of the workers in my factory intentionally set the fire. Currently, the insurance company has refused to pay compensation under the pretext that the worker is the one who intentionally set the factory on fire.<\/h2>\n<\/p><\/div>\n<div class=\"story-block\">\n<p>My question is whether the insurance company has the right to refuse to pay compensation. What is the appropriate action to take against the insurance company to force it to pay compensation, and what is the appropriate action to take against the worker? Please advise<\/p>\n<\/p><\/div>\n<div class=\"story-block\">\n<div class=\"more-similar-article\">\n<h3 class=\"text-uppercase similar-title\">READ MORE<\/h3>\n<ul>\n<li>\n                <a href=\"https:\/\/gulfnews.com\/uae\/crime\/ask-the-law-i-cannot-live-with-my-husband-1.96396483\"><br \/>\n                Ask the law: &#8216;I cannot live with my husband&#8217;<br \/>\n                <\/a>\n            <\/li>\n<li>\n                <a href=\"https:\/\/gulfnews.com\/uae\/crime\/ask-the-law-businessman-wants-to-know-emiratisation-rule-1.97209361\"><br \/>\n                Ask the law: Businessman wants to know Emiratisation rule<br \/>\n                <\/a>\n            <\/li>\n<li>\n                <a href=\"https:\/\/gulfnews.com\/uae\/crime\/ask-the-law-employee-leaks-company-secrets-business-lost-to-competitor-1.1689227136982\"><br \/>\n                Ask the law: Employee leaks company secrets, business lost to competitor<br \/>\n                <\/a>\n            <\/li>\n<\/ul>\n<\/div><\/div>\n<div id=\"PA_mid-article\"><\/div>\n<div class=\"cacher\">\n<div class=\"story-block\">\n<h2>Answer:<\/h2>\n<\/p><\/div>\n<div id=\"PA_mid-article\"><\/div>\n<div class=\"cacher\">\n<div class=\"story-block\">\n<p>I would advise the questioner the following:<\/p>\n<\/p><\/div>\n<div class=\"story-block\">\n<p>The insurance company is responsible to pay the compensation. The appropriate action to be taken against the worker is to file a complaint against him in front of the police. If it was proven that he is guilty, then you have to include him in the civil compensation case which you must file against the insurance company to force it to pay the compensation.<\/p>\n<\/p><\/div>\n<div class=\"story-block\">\n<p>The compensation is a matter estimated by the court as per the documents submitted including the insurance contract, the expert report, etc.<\/p>\n<\/p><\/div>\n<div class=\"adv\">\n<div id=\"gulfnews_uae_article_1\" data-gpt=\"Gulfnews_Article\/gulfnews_uae_article\/gulfnews_uae_article_1\" data-atf=\"0\" data-size=\"[320,50]\" data-size-mapping=\"[ [ [ 1024, 500 ], [ [300,100], [300,250], [710,250], [710,400], [1,1], [336,280], [200,200], [250,250] ] ],[ [ 768, 420], [ [300,100], [300,250], [1,1], [336,280], [200,200], [250,250] ] ],[ [640, 320], [ [300,250], [300,100], [1,1], [336,280], [200,200], [250,250] ] ],[ [0, 0], [ [300,250], [300,100], [1,1], [336,280], [200,200], [250,250] ] ] ]\"><\/div>\n<\/div>\n<div class=\"story-block\">\n<p>As per law, The insurer is liable for damages resulting from the unintentional fault of the insured or the beneficiary, for fire damages that occur by persons for whose acts the insured is responsible and for the damages resulting from the fire even if the fire broke out owing to a defect in the thing insured.<\/p>\n<\/p><\/div>\n<div class=\"story-block\">\n<p>His liability is finished if the damage is caused deliberately or fraudulently by the insured or the beneficiary so that the insured \u2014 by a voluntary act of him \u2014 has deliberately created the danger himself or through someone else.<\/p>\n<\/p><\/div>\n<div class=\"story-block\">\n<p>This is indicated in Articles 1039 and 1040 of the UAE Civil Transaction Law which states that (&#8220;Notwithstanding any agreement to the contrary, an insurer is not liable for damages caused deliberately or fraudulently by the insured or the beneficiary&#8221;). 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Image Credit: Pixabay Question: I am the owner of a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4898,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4897","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/cissar.com\/index.php\/wp-json\/wp\/v2\/posts\/4897","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cissar.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cissar.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cissar.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cissar.com\/index.php\/wp-json\/wp\/v2\/comments?post=4897"}],"version-history":[{"count":1,"href":"https:\/\/cissar.com\/index.php\/wp-json\/wp\/v2\/posts\/4897\/revisions"}],"predecessor-version":[{"id":5292,"href":"https:\/\/cissar.com\/index.php\/wp-json\/wp\/v2\/posts\/4897\/revisions\/5292"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cissar.com\/index.php\/wp-json\/wp\/v2\/media\/4898"}],"wp:attachment":[{"href":"https:\/\/cissar.com\/index.php\/wp-json\/wp\/v2\/media?parent=4897"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cissar.com\/index.php\/wp-json\/wp\/v2\/categories?post=4897"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cissar.com\/index.php\/wp-json\/wp\/v2\/tags?post=4897"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}