Impact of damages on the insurer's obligations

Sometimes after the accident occurs, the insured or the injured party due to the possibility of avoiding the accident or reducing the harmful effects of the damage caused by the accident, however, does not take action to perform the said act. The question that arises here is whether the insured or the injured party had a legal obligation to perform the act of avoiding or preventing the development of damage or not? What is used from the provisions of Article 15 of the Insurance Law is the sum of the obligations that the legislator has assigned to the insurer, but if the injured party has a percentage of fault or negligence and the accident occurs, what percentage of this percentage of fault creates the insurer's obligations. As we know, in fact, the insurer compensates instead of the loss factor. Now, if the loss factor and the injured party both have a degree of fault or negligence or laziness, does this relationship spread to the extent of the insurer's obligations or not? It seems that in Iranian law, the victim is obliged to prevent the spread of the scope of damages, and referring to some jurisprudential rules indicates this. With this preamble, the victim must also take measures to prevent the spread of the damage, otherwise, to the extent that the spread of the damage could have been avoided, the liability of the loser would be reduced to compensation, and in the first instance, the insurer's obligations Is affected.