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!