MOTOR INSURERS’ BUREAU – GARANTNI FOND U UJEDINJENOM KRALJEVSTVU

Ključne reči: osiguranje, osiguranje od autoodgovornosti, garantni fond, neosigurano motorno vozilo, nepoznato motorno vozilo, Ujedinjeno Kraljevstvo, Bregzit

Apstrakt

Obeštećenje u slučajevima kada je šteta prouzrokovana neosiguranim ili nepoznatim vozilom u Ujedinjenom Kraljevstvu je organizovano na specifičan način. Poslovi naknade štete u takvim slučajevima povereni su organizaciji Motor Insurers’ Bureau (MIB). Pravni akti kojima je to poveravanje izvršeno jesu sporazumi između države i MIB-a. Bez obzira na ovu specifičnost, MIB jeste garantni fond, institut koji postoji i u drugim evropskim zemljama. Britanski sudovi izjašnjavali su se o pravnoj prirodi MIB-a. Case law u Ujedinjenom Kraljevstvu ranije je smatrao da je MIB institut privatnog prava. Pod uticajem Suda pravde Evropske unije, drugačije stanovište je prevladalo. Sudovi Velike Britanije prihvatili su argumentaciju evropske pravosudne institucije. Oni sada smatraju da je MIB subjekt javnog prava – pojavni oblik države. Takvo shvatanje implementirano je u pravo Ujedinjenog Kraljevstva i neće biti napušteno posle Bregzita. Britanski primer pokazuje kako dilema o pravnoj prirodi garantnog fonda može da se reši u zemlji koja je izvan Evropske unije.

Reference

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Pravni izvori

Second Council Directive of the Approximation of the Laws of the Member States relating to insurance against civil liability of the use of motor vehicles. Official Journal of the European Communities, L 8/17 of 11. 1. 1984.

Directive 2009/1003/EC of the European Parliament and the Council of 16th September 2009 relating to insurance against civil liability in respect of the use of motor vehicles, and the enforcement of the obligation to insure against such liability (codified version), Official Journal of the European Union, L 263/11.

Road Traffic Act 1930. Dostupno na: https://www.legislation.gov.uk/ukpga/Geo5/20-21/43/contents/enacted (17. 10. 2021).

Road Traffic Act 1988, last amendments and supplements 10th May 2019. Dostupno na: https://www.legislation.gov.uk/ukpga/1988/52/contents (17. 10. 2021).

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Verkehrsopfer-Entschädigungsgesetz, Österreich, vom 2007, das zuletzt durch vom 17. Januar 2017. Dostupno na: https://www.ris.bka.gv.at/GeltendeFassung.wxe?Abfrage=Bundesnormen&Gesetzesnummer=20005369 (23. 10. 2021).

Νομός 489/76 Περί Υποχρεωτικής Ασφαλίσεως των εξ ατυχηµάτων αυτοκινήτων αστικής ευθύνης, τελευταίος τροποποιητής to Νόµο 3746/2009, Ελληνική Δημοκρατία. Dostupno na: https://www.bankofgreece.gr/RelatedDocuments/law489gr.pdf (23. 10. 2021).

Articles of Association of Motor Insurers’ Bureau adopted on 8th July 2020. Dostupno na: https://www.mib.org.uk/media/516985/mib-articles-of-association-08072020.pdf (17. 10. 2021).

Uninsured Drivers Agreement England, Scotland and Wales 2015. Dostupno na: https://www.mib.org.uk/media/166917/2015-uninsured-drivers-agreement-england-scotland-wales.pdf (17. 10. 2021).

Untraced Drivers Agreement England Scotland and Wales 2017. Dostupno na: https://www.mib.org.uk/media/355104/amended-2017-untraced-driversagreement-england-scotland-and-wales_v10.pdf (17. 10. 2021).

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Sudska praksa

Court of Justice of the European Union, Judgment C-413/15 of 10th October 2017 in case Elaine Farrell v Alan Whitty, Minister for the Environment of the Ireland and Motor Insurers Bureau of Ireland (MIBI). Dostupno na: https://curia.europa.eu/juris/document/document.jsftext=&docid=195361&pageIndex=0&doclang=EN&mode=lst&dir=&occ=first∂=1&cid=16487723 (19. 10. 2021).

Court of Justice of the European Communities, Judgment C-61/03 of 4th December 2003 in case Samuel Sidney Evans v The Secretary of State for the Environment, Transport and the Regions and The Motor Insurers’ Bureau. Dostupno na: https://curia.europa.eu/juris/showPdf.jsftext=&docid=48780&pageIndex=0&doclang=EN&mode=lst&dir=&occ=irst∂=1&cid=16302359 (17. 10. 2021).

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England and Wales High Court (Queen’s Bench Division), Judgment Ben Byrne v MIB and The Secretary of State Transport of 5th June 2007, case number HQ06X00793. Dostupno na: https://www.bailii.org/ew/cases/EWHC/

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England and Wales Court of Appeal (Civil Division), Judgment Motor Insurers’ Bureau v Michael Lewis of 5th June 2019, case number: B3/2018/2411. Dostupno na: https://www.bailii.org/ew/cases/EWCA/Civ/2019/909.html (21. 10. 2021).

Dokumenti

Council of Bureaux, Motor Insurers’ Bureau – Ireland, Dostupno na: https://www.cobx.org/search-organisation?countryCode=IE (18. 10. 2021).

Council of Bureaux, Motor Insurers’Bureau – UK, Dostupno na: https://www.cobx.org/search-organisation?countryCode=GB (18. 10. 2021).

Motor Insurers’ Bureau Ltd, 2021. (MIB, 2021a) About us. Dostupno na: https://www.mib.org.uk/about-mib/management-and-governance/ (17. 10. 2021).

Motor Insurers’ Bureau Ltd, 2021. (MIB, 2021b) MIB Membership information. Dostupno na: https://www.mib.org.uk/about-mib/mib-membership/howto-become-a-member/ (17. 10. 2021).

Motor Insurers’ Bureau Ltd, 2021. (MIB, 2021c), Downloadable content. Dostupno na: https://www.mib.org.uk/downloadable-content/ (17. 10. 2021).

Internet izvori

Sharpston, E., Opinion of Advocate General delivered on 22nd June 2017 in case C-413/15 Elaine Farrell v Alan Whitty, Minister for the Environment of the Ireland and Motor Insurers Bureau of Ireland (MIBI). Dostupno na: https://curia.europa.eu/juris/document/document.jsftext=&docid=192067&pageIndex=0&doclang=EN&mode=lst&dir=&occ=first∂=1&cid=18512553 (19. 10. 2021).

Skelton, N., Compulsory Motor Insurance in UK Post Brexit. Dostupno na: https://www. carson-mcdowell.com/news-and-events/insights/compulsory-motor-insurance-in-uk-post-brexit (22. 10. 2021).

Walker, N., Briefing Paper: Brexit timeline: events leading to the UK’s exit from the European Union, House of Commons Briefing Paper, Number 7960, 6th January 2021. Dostupno na: https://researchbriefings.files.parliament.uk/documents/CBP-7960/CBP-7960.pdf (22. 10. 2021).

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2022-05-09
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