Thesis:

Examining the insurer's civil liability towards passengers exceeding the permitted capacity and violation of insurance conditions in Iranian law

Compulsory third party insurance law during three different years of 1347, 1387 and 1395 has had the most effects and changes in third party insurance and traffic accidents. According to the obligations concluded between the insurer and the policyholder, the policyholder is obligated to use the vehicle within the framework and limits specified by the insurer's law, so that in the event of an accident, the insurer is liable for civil liability and compensation. To bear the damage caused by traffic accidents. One of these conditions is the obligation of the insurer to the passengers of the car within the permissible limit. But if the owner of the vehicle puts more than the allowed number of passengers on the vehicle, and has an accident during the journey, what is the duty? What institution is responsible for compensation for physical and material damage? In this dissertation, which is descriptive-analytical, it examines the civil liability of the insurer towards the passengers who exceed the permitted capacity and the violation of the insurance conditions, it seeks to explain this goal, that one of the most important goals of this research is to identify the person responsible for compensation in accidents that Its occupants are more than the permitted limit, and also its other goals are the extent and method of compensation for the damage caused by them. The main question of the research has been raised as follows: What is the responsibility of the insurer towards passengers exceeding the permitted capacity and violating the insurance conditions in Iranian law? And the main hypothesis is that it seems that if the accidents are attributed to the passengers more than the limit allowed in Iranian law, they can be held responsible. The results indicate that the insurer and the bodily damage fund are responsible and obliged to compensate for the financial and physical injuries of people in excess of the allowed limit

Keywords: Key words: traffic accidents, bodily injury compensation, third party insurance, passengers exceeding the permissible limit.