Compulsory Automobile Liability Insurance Act Article 29

(Conditions for Insurer to Be Subrogated to the Claimant's Right of Claim against the Insured)When an automobile traffic accident involving an insured vehicle occurs as a result of any of the following actions by the insured, the insurer shall remain liable for the payment of insurance benefits as provided herein. However, the insurer may exercise the right of subrogation to the claimant’s right of claim against the insured, up to the amount of benefits paid:1.Driving the automobile after consuming alcohol or similar substances, resulting in a breath or blood alcohol concentration exceeding the standard set by applicable road traffic laws or regulations.2.Driving after using intoxicants, hallucinogens, narcotics, or other controlled substances, as confirmed by a test.3.Causing the accident through a deliberate act.4.Engaging in a criminal act or evading lawful arrest.5.Violating Article 21 or Article 21-1 of the Act Governing Management of Roadway Traffic and Administration of Sanctions.The insurer’s right of subrogation, as described above, shall be extinguished if not exercised within two years from the date the insurer pays the insurance benefits.