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A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

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Page 1: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

A right to the indemnification as a

sign of improving quality of life of

transborder accident victims

Mariusz W. WichtowskiBudapest 26.11.2010

Page 2: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Agenda

General reflections Some historical aspects Green Card System System of the directives Current problems

Page 3: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Spheres of life

Level of life

material sphere

Quality of life

non-material sphere

Page 4: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Pyramid of needstranscendent

self-realisation

aesthetics

knowledge

prestige

love

security

physiological

Page 5: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Relationship needsObjective needs

(e.g., food need)

lack

Position of mental tention

Page 6: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Level of life

Stock of material goods which can be obtain for indemnity

effect

feeling or

Quality of life

Page 7: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Quality of life

Satisfaction of non-material needs

Subjective feeling

Mental welfare

Page 8: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Logical sequence

Accident Injures

Indemnity

Replacement of lack by money

removal of sense of deficit

Sustain of life quality

Page 9: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Primary problems

► loss of security

► feeling of secondary harm

►switch of liability from perpetrator to insurer

Page 10: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010
Page 11: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Europe

Population 712 million No of vehicles 300 million Daily died (world) 3.000 Yearly died (world) 1,3 million EU yearly died 50 tsnd EU yearly injured 150 tsnd

Page 12: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Agenda

General reflections

Some historical aspects Green Card System System of the directives Current problems

Page 13: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Aim of regulations

Consumer protection:

Page 14: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Consumer protection

insuredvictim

Page 15: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Type of regulations

Domestic International:

► bilateral► Green Card System► Motor Insurance Directives

Page 16: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Integration and protection

Green Card System 1949 First Directive 1972 Second Directive 1983 Third Directive 1990 Fourth Directive 2000 Fifth Directive 2005

Page 17: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Agenda

General reflections Some historical aspects

Green Card System System of the directives Current problems

Page 18: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010
Page 19: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Green Card System

UN Recomendation No 5 1949

Operating since 1953 N° of members

45

Page 20: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Green Card System

Non political organisation Facilitator of international

road traffic and victim’s protection

Page 21: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

N° of GC accidents

291730

328816

351102

342963

352440359549366580345746

0

50000

100000

150000

200000

250000

300000

350000

400000

1999 2003 2005 2007 2009

Page 22: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Green Card Claimssettlement

0%

10%

20%

30%

40%

50%

60%

70%

1999 2007 2008 2009

Bureaux

Correspondents

Page 23: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Agenda

General reflections Some historical aspects Green Card System

System of the directives Current problems

Page 24: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

GC System ≠ 4th Directive

Mirror effect

Page 25: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010
Page 26: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Mirror effectAim of Green Card System:

Protection of victims in their own countries

Aim of 4th MID:

Protection of victims of an

accident occurred in a third country

Page 27: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010
Page 28: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Fourth Directive

► Actio directa

► Information centre

► Claims representative

► Compensation body

► Uniform deadlines

► Sanctions

Page 29: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Fifth Directive

Aims:

* Protection of interests of insured vehicles owners

* Protection of victims of traffic accidents independently of a place of an accident

Page 30: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Fifth Directive

Real changes and new trends

or

Nihil novi sub sole

Page 31: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Fifth Directive

Privileges for victims:

► Actio directa

► Access to the information centre

► Time limit for a reasoned reply

► Protection of passengers

► Protection of cyclists and pedestrians

Page 32: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Fifth Directive

Privileges for victims (cont):

► Full responsibility of guarantee funds for unidentified vehicles

► Central body

► Court/legal proceedings

► Higher amount of cover

Page 33: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Agenda

General reflections Some historical aspects Green Card System System of the directives

Current problems

Page 34: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Aims for the future

Real guaranties for the victims of the road accidents

One aim, diferent methods Could we find a common

solution?

Page 35: A right to the indemnification as a sign of improving quality of life of transborder accident victims Mariusz W. Wichtowski Budapest 26.11.2010

Thank you for your kind

attention!