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A right to the indemnification as a
sign of improving quality of life of
transborder accident victims
Mariusz W. WichtowskiBudapest 26.11.2010
Agenda
General reflections Some historical aspects Green Card System System of the directives Current problems
Spheres of life
Level of life
material sphere
Quality of life
non-material sphere
Pyramid of needstranscendent
self-realisation
aesthetics
knowledge
prestige
love
security
physiological
Relationship needsObjective needs
(e.g., food need)
lack
Position of mental tention
Level of life
Stock of material goods which can be obtain for indemnity
effect
feeling or
Quality of life
Quality of life
Satisfaction of non-material needs
Subjective feeling
Mental welfare
Logical sequence
Accident Injures
Indemnity
Replacement of lack by money
removal of sense of deficit
Sustain of life quality
Primary problems
► loss of security
► feeling of secondary harm
►switch of liability from perpetrator to insurer
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
Agenda
General reflections
Some historical aspects Green Card System System of the directives Current problems
Aim of regulations
Consumer protection:
Consumer protection
insuredvictim
Type of regulations
Domestic International:
► bilateral► Green Card System► Motor Insurance Directives
Integration and protection
Green Card System 1949 First Directive 1972 Second Directive 1983 Third Directive 1990 Fourth Directive 2000 Fifth Directive 2005
Agenda
General reflections Some historical aspects
Green Card System System of the directives Current problems
Green Card System
UN Recomendation No 5 1949
Operating since 1953 N° of members
45
Green Card System
Non political organisation Facilitator of international
road traffic and victim’s protection
N° of GC accidents
291730
328816
351102
342963
352440359549366580345746
0
50000
100000
150000
200000
250000
300000
350000
400000
1999 2003 2005 2007 2009
Green Card Claimssettlement
0%
10%
20%
30%
40%
50%
60%
70%
1999 2007 2008 2009
Bureaux
Correspondents
Agenda
General reflections Some historical aspects Green Card System
System of the directives Current problems
GC System ≠ 4th Directive
Mirror effect
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
Fourth Directive
► Actio directa
► Information centre
► Claims representative
► Compensation body
► Uniform deadlines
► Sanctions
Fifth Directive
Aims:
* Protection of interests of insured vehicles owners
* Protection of victims of traffic accidents independently of a place of an accident
Fifth Directive
Real changes and new trends
or
Nihil novi sub sole
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
Fifth Directive
Privileges for victims (cont):
► Full responsibility of guarantee funds for unidentified vehicles
► Central body
► Court/legal proceedings
► Higher amount of cover
Agenda
General reflections Some historical aspects Green Card System System of the directives
Current problems
Aims for the future
Real guaranties for the victims of the road accidents
One aim, diferent methods Could we find a common
solution?
Thank you for your kind
attention!