Definition : Legal recourse - Subrogatory recourse of the insurer

Judicial proceeding allowing an insurer, who has paid an insurance indemnity, to claim the reimbursement thereof from the party responsible of the damage (or from his insurer) up to the amount of such indemnity.

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Whether semi-detached or row, the townhouse is a good compromise between the typical co-ownership apartment and the single-family home. This type of project is established in "horizontal co-ownership". Each of the fractions is composed of a private portion (usually a house) and a share of common portions (the land). Each co-owner is the owner of his private portion "from nadir to zenith", while the common portions are usually limited to traffic lanes, parking lots and certain strips of land. From a legal point of view, horizontal co-ownership has no special status. Horizontal co-ownerships are governed by the same rules set out in the Civil Code of Quebec that apply vertically (e.g. residential towers).
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