The role of guarantee institutions in protection of road accident victims in EU

Dorota Maśniak

Abstract

Guarantee Schemes provide last-resort protection to consumers when undertakings are unable to fulfil their contractual commitments. However, there is no such common European framework in the insurance sector. But the EU law imposed an obligation on the Member States to establish guarantee bodies with expertise in the area of meeting the legitimate claims of road accidents victims by the perpetrators, whose liability is not protected, and unidentified perpetrators. This provision determines the obligatory nature of the so-called communication guarantee funds operating in the European Union. The aim was to “seal” the road accident victim protection through institutional protection in situations of lack of protection from the insurer. Currently consolidated communication directives indicate that the intention of the EU legislator is to “seal” the system of road accident victim protection by guarantee institutions. The EU motor insurance guarantee schemes can be a model for Insurance Guarantee Schemes.
Author Dorota Maśniak KPraC
Dorota Maśniak,,
- Department of Civil Law
Other language title versionsРоль гарантийных учреждений в обеспечении жертв дорожно-транспортных происшествий на примере ЕС
Journal seriesНаучные труды "Әділет", ISSN 2077-9860
Issue year2017
No3
Pages78-88
Publication size in sheets1.23
Keywords in Englishguarantee institution, guarantee fund, road accident, motor insurance
Languageen angielski
Score (nominal)5
ScoreMinisterial score = 0.0, 06-06-2018, ArticleFromJournal
Ministerial score (2013-2016) = 5.0, 06-06-2018, ArticleFromJournal - czasopismo zagraniczne spoza list
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