Warianty tytułu
Obligatory third party liability insurance of motor vehicles owners - in the light of new regulations
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Abstrakty
Ustawa z dnia 22 maja 2003 r. o ubezpieczeniach obowiązkowych, Ubezpieczeniowym Funduszu Gwarancyjnym i Polskim Biurze Ubezpieczycieli Komunikacyjnych (Dz.U. Nr 124, poz. 1152), będąca jedną z pakietu czterech nowych ustaw ubezpieczeniowych, wprowadziła istotne zmiany również w dotychczasowych uregulowaniach obowiązkowego ubezpieczenia OC posiadaczy pojazdów mechanicznych, które obowiązywać będą od 1 stycznia 2004 r., tj. z dniem wejścia ustawy w życie.
The most important novum of the present Insurance Act consists in putting directly in the Act the provisions imposing on motor vehicles owners the obligation of insurance. Previously this obligation was imposed by the provisions placed in the Order of Minister of Finance. However, the new Act took over a lot of regulations previously included in this Order. From among new regulations which the Au thor discusses one after the other, first of all should be mentioned an imposition of so called "record fee" paid by insurance companies and amounted to 1 EUR from every contract relating to third party liability insurance of motor vehicles owners. The fee will be assigned for forma- tion of the central list of vehicles. New regulations concerning claim settlement increases the minimum guarantee sum in case of personal injury to 350 000 EUR per each victim of a loss and to 200 000 EUR per each case for property losses. Moreover, the legislator resigned the using of franchise system, which excludes smali losses from the responsibility of insurance companies. New regulations impose on insurance companies an obligation of giving facilities to sufferer or entitled person all Information and documents which influenced the responsi bility of insurance company and the amount of indemnity. New regulations also differentiate the special payment for Insurance Guarantee Fund, in case of not purchasing the policy of third liability in due time, according to the length of the period in which the owner has remained out of insurance protection. (original abstract)
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