Transcript Slide 1
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 INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey Unregistered / Unknown Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014 UNINSURED UNINSURED Possible situations for third parties residing in Romania Hypotheses Acc. in Romania Liable vehicle registered in Romania INSURED UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey Unregistered / Unknown Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014 UNINSURED UNINSURED Example Accident in România – third party and liable party are Romanians FPVS – Guarantee Fund Uninsured? Romanian MTPL Insurer Insured Possible situations for third parties residing in Romania Hypotheses Acc. in Romania Liable vehicle registered in Romania INSURED UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey Unregistered / Unknown Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014 UNINSURED UNINSURED Accident in Romania – Romanian TP, Bulgarian liable party Green card correspondent in Ro. of the Bulgarian mtpl insurer Bulgarian insurer insured Uninsured – normally based in Bulgaria Romanian GC Bureau Bulgarian GC Bureau Possible situations for third parties residing in Romania Hypotheses Acc. in Romania Liable vehicle registered in Romania INSURED UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey Unregistered / Unknown Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014 UNINSURED UNINSURED Accident in Romania – Romanian TP, Turkish liable party Green Card correspondent Turkish mtpl/gc insurer Turkish Green Card Uninsured Romanian Guarantee Fund - FPVS Possible situations for third parties residing in Romania Hypotheses Acc. in Romania Liable vehicle registered in Romania INSURED UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey Unregistered / Unknown Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014 UNINSURED UNINSURED Accident in Romania – Romanian TP Unregistered vehicle Unidentified vehicle Romanian Guarantee Fund - FPVS * Possible situations for third parties residing in Romania Hypotheses Acc. in Bulgaria Liable vehicle registered in Romania INSURED UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey Unregistered / Unidenfied Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014 UNINSURED UNINSURED Possible situations for third parties residing in Romania Hypotheses Acc. in Bulgaria Liable vehicle registered in Romania INSURED UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey Unregistered / Unidenfied Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014 UNINSURED UNINSURED Accident in Bulgaria – third party and liable party are Romanians Romanian Guarantee Fund Bulgarian Green card Bureau – as handling Bureau ? Uninsured ? Insured Romanian MTPL Insurer or It`s Bulgarian correspondent Possible situations for third parties residing in Romania Hypotheses Acc. in Bulgaria Liable vehicle registered in Romania INSURED UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey Unregistered / Unknown Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014 UNINSURED UNINSURED Accident in Bulgaria – Romanian TP, Bulgarian liable party Claims representative from RO Bulgarian MTPL Insurer Insured Uninsured Romanian compensation body – FPVS, or directly, to the Bulgarian Guarantee Fund 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? Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014 Accident in Bulgaria – Romanian TP, German vehicle is liable Claims rep. of German mtpl ins in Ro Green card correspondent of German mtpl ins in Bg German MTPL insurer Insured Uninsured – and nb in Germany Romanian Compensation Body or German Guarantee Fund or Bulgarian Green Card Bureau as HB Possible situations for third parties residing in Romania Hypotheses Acc. in Bulgaria Liable vehicle registered in Romania INSURED UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey Unregistered / Unknown Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014 UNINSURED UNINSURED Accident in Bulgaria – Romanian TP, Tukish liable party Green Card correspondent of the Turkish mtpl insurer in Bulgaria Insured Uninsured Romanian Compensation Body Bulgarian Guarantee Fund Possible situations for third parties residing in Romania Hypotheses Acc. in Bulgaria Liable vehicle registered in Romania INSURED UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey Unregistered / Unknown Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014 UNINSURED UNINSURED Accident in Bulgaria – Romanian injured TP Unregistered vehicle Unidentified vehicle Bulgarian Guarantee Fund – final debtor Romanian Compensation Body – as handling body Possible situations for third parties residing in Romania Hypotheses Acc. in Turkey Liable vehicle registered in Romania INSURED UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey Unregistered / Unidenfied Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014 UNINSURED UNINSURED Possible situations for third parties residing in Romania Hypotheses Acc. in Turkey Liable vehicle registered in Romania INSURED UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey Unregistered / Unidenfied Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014 UNINSURED UNINSURED Accident in Turkey– third party and liable party are Romanians Romanian Guarantee Fund Uninsured Insured Romanian MTPL Insurer or it`s Turkish Green Card Correspondent Possible situations for third parties residing in Romania Hypotheses Acc. in Turkey Liable vehicle registered in Romania INSURED UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey Unregistered / Unknown Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014 UNINSURED UNINSURED Accident in Turkey – Romanian TP, Bulgarian liable party Turkish Green Card correspondent Romanian Claims representative Bulgarian MTPL Insurer Insured Uninsured Romanian compensation body – FPVS, or directly, to the Bulgarian Guarantee Fund Possible situations for third parties residing in Romania Hypotheses Acc. in Turkey Liable vehicle registered in Romania INSURED UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey Unregistered / Unknown Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014 UNINSURED UNINSURED Accident in Turkey – Romanian TP, Tukish liable party Turkish MTPL Insurer Insured Uninsured No protection Accident in Turkey – Romanian TP, Ukranian liable party Turkish Green Card correspondent Insured Uninsured No protection Possible situations for third parties residing in Romania Hypotheses Acc. in Turkey Liable vehicle registered in Romania INSURED UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey Unregistered / Unknown Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014 UNINSURED UNINSURED Accident in Turkey – Romanian TP Unregistered vehicle No protection Unidentified vehicle Thank you for your attention Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014