Street victims and cross-border claims settlement cooperation

Street victims and cross-border claims

settlement cooperation

Possible situations for third injured parties with residence in Romania

Accidents in Romania

Accidents in Bulgaria

Accidents in Turkey

Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014

Possible situations for third parties residing in

Romania

Hypotheses Acc. in România

Liable vehicle registered in Romania

INSURED

UNINSURED

Liable vehicle registered in BulgariaINSURED

UNINSURED

Unregistered / Unknown UNINSURED

Liable vehicle registered in Turkey

INSURED

UNINSURED

Romania

Hypotheses Acc. in Romania

INSURED

UNINSURED

INSURED

UNINSURED

Accident in România – third party and liable party are Romanians

Example

InsuredRomanian MTPL Insurer

Uninsured?

FPVS – Guarantee Fund

Romania

INSURED

UNINSURED

INSURED

UNINSURED

Accident in Romania – Romanian TP, Bulgarian liable party

Green card correspondent in Ro. of the Bulgarian mtpl insurer

Romanian GC Bureau

Uninsured – normally based in Bulgaria

insured

Bulgarian insurer

Bulgarian GC Bureau

Romania

INSURED

UNINSURED

INSURED

UNINSURED

Accident in Romania – Romanian TP, Turkish liable party

Green Card correspondent

Romanian Guarantee Fund - FPVS

Uninsured

Turkish Green Card

Turkish mtpl/gc insurer

Romania

INSURED

UNINSURED

INSURED

UNINSURED

Accident in Romania – Romanian TP

Unregistered vehicle

Unidentified vehicle

Romanian Guarantee Fund - FPVS

Romania

Hypotheses Acc. in Bulgaria

INSURED

UNINSURED

Unregistered / Unidenfied UNINSURED

INSURED

UNINSURED

Romania

INSURED

UNINSURED

INSURED

UNINSURED

Accident in Bulgaria – third party and liable party are Romanians

Insured

Romanian MTPL Insurer or It`s Bulgarian correspondent

Uninsured ?

Romanian Guarantee Fund

Bulgarian Green card Bureau – as handling Bureau ?

Romania

INSURED

UNINSURED

INSURED

UNINSURED

Accident in Bulgaria – Romanian TP, Bulgarian liable party

Claims representative from RO

Romanian compensation body – FPVS, or directly, to the Bulgarian Guarantee Fund

Uninsured

Insured

Bulgarian MTPL Insurer

In case of a dispute regarding the validity of the insurance policy, which one, the Insurer or the Guarantee Fund, is responsible in first instance, to settle the claim?

Accident in Bulgaria – Romanian TP, German vehicle is liable

Claims rep. of German mtpl ins in Ro

Romanian Compensation Body orGerman Guarantee Fund or

Uninsured – and nb in Germany

Insured

Green card correspondent of German mtpl ins in Bg

Bulgarian Green Card Bureau as HB

German MTPL insurer

Romania

INSURED

UNINSURED

INSURED

UNINSURED

Accident in Bulgaria – Romanian TP, Tukish liable party

Romanian Compensation Body Bulgarian Guarantee Fund

Uninsured

Insured

Green Card correspondent of the Turkish mtpl insurer in Bulgaria

Romania

INSURED

UNINSURED

INSURED

UNINSURED

Accident in Bulgaria – Romanian injured TP

Bulgarian Guarantee Fund – final debtor

Romanian Compensation Body – as handling body

Romania

Hypotheses Acc. in Turkey

INSURED

UNINSURED

INSURED

UNINSURED

Romania

INSURED

UNINSURED

INSURED

UNINSURED

Accident in Turkey– third party and liable party are Romanians

Insured

Romanian MTPL Insurer or it`s Turkish Green Card Correspondent

Uninsured

Romanian Guarantee Fund

Romania

INSURED

UNINSURED

INSURED

UNINSURED

Accident in Turkey – Romanian TP, Bulgarian liable party

Romanian Claims representative

Romanian compensation body – FPVS, or directly, to the Bulgarian Guarantee Fund

Uninsured

Insured

Bulgarian MTPL Insurer

Turkish Green Card correspondent

Romania

INSURED

UNINSURED

INSURED

UNINSURED

Accident in Turkey – Romanian TP, Tukish liable party

Uninsured

Insured

Turkish MTPL Insurer

No protection

Accident in Turkey – Romanian TP, Ukranian liable party

No protection

Uninsured

Insured

Turkish Green Card correspondent

Romania

INSURED

UNINSURED

INSURED

UNINSURED

Accident in Turkey – Romanian TP

No protection

Thank you for your attention

Street victims and cross-border claims settlement cooperation

Documents

Transcript of Street victims and cross-border claims settlement cooperation

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