(1) The insurer is solely liable as regards the relationship between the joint and several debtors under section 115 (1) sentence 4, insofar as he or she is obliged to indemnify the policyholder based on the insurance agreement. If no such obligation exists, the policyholder is solely liable in respect of the relationship between them. The insurer may request compensation for expenses which he or she could permissibly deem necessary, given the circumstances.
(2) The limitation on claims resulting from subsection (1) commences at the end of the year in which the third party’s claim is satisfied.