Article 2645

Any clause in a policy which excludes or reduces coverage is effective only to the extent that the clause is clearly stated under an appropriate heading.

Any clause which purports to release the, insurer from his obligations if the law is violated is effective only to the extent the violation is an offence under the Penal Code.

Any clause by which the insured consents, in case of loss or damage, to assign the claim to the insurer is effective only to the extent the rights assigned are no greater than the insurer would have under the rules on subrogation as provided in the Civil Code.