Zaštita trećih oštećenih osoba ugovorom o osiguranju od automobilske odgovornosti

professional thesis

• Title (english): Third party liability car insurance
• Author: Sofija Šutalo
• Mentor: Drago Jakovčević (mentor)
• Committee member: Maja Mihelja Žaja (predsjednik povjerenstva)
• Committee member: Drago Jakovčević (član povjerenstva)
• Committee member: Hana Horak (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2022-09-12, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics

Abstract

Obveznim osiguranjem od automobilske odgovornosti uređuju se oni odnosi temeljem kojih se oštećenim osobama osigurava naknada štete. Već u trenutku kada se pojavilo prvo motorno vozilo koje je samom svojom upotrebom dovelo i do prvih prometnih nezgoda počela se u svim zemljama svijeta razvijati ideja da se zakonski uredi pitanje odgovornosti vlasnika odnosno korisnika motornih vozila za one štete koje pretrpe treće osobe. Prvi način koji se pojavio kao osiguranje od štete koja nastaje uslijed prometnih nezgoda pojavio se u obliku dobrovoljnog osiguranja. No, vrlo brzo se uvidjelo da se dobrovoljnim osiguranjem ne pruža zadovoljavajuća zaštita trećim oštećenim osobama, a broj prometnih nezgoda je svakim danom postajao sve veći i veći, te se postavljalo pitanje na koji način postići bolju zaštitu onih osoba koje budu oštećene u prometnim nezgodama. Tako se vrlo brzo javila ideja da se uvede obvezno zaključivanje ugovora o osiguranju od automobilske odgovornosti, a sve u cilju što bolje zaštite oštećenih osoba. Protekom vremena došlo se do zaključka da je osiguranje od odgovornosti vlasnika odnosno korisnika motornih vozila za štete koje upotrebom motornih vozila budu prouzrokovane trećim osobama neizbježno i da predstavlja najbolji način zaštite žrtava prometnih nezgoda. Zaštita oštećenih osoba se ostvaruje kroz postupak naknade štete koja bi trebala biti brza i učinkovita, te u stanju da oštećene osobe ponovno uvede u normalan život zajednice. U tu svrhu u radu je obrađena problematika zaštite trećih oštećenih osoba obveznim osiguranjem od automobilske odgovornosti, te je izloženo s kojim se sve problemima i izazovima susreću treće oštećene osobe prilikom ostvarivanja prava na naknadu štete kao temeljne obveze iz ugovora o osiguranju od automobilske odgovornosti. U radu je stavljen naglasak na određena sredstva oštećenikove zaštite koja zakonodavstva uvode kako bi olakšala i pojednostavila postupak naknade štete i na taj način oštećenim omogućila da ostvare potpunu naknadu štete na brz i učinkovit način.

Abstract (english)

Mandatory motor third party liability insurance regulates those relations on the basis of which the injured parties are provided with compensation for damage. Already at the moment when the first motor vehicle appeared, which by its very use led to the first traffic accidents, the idea began to develop in all countries of the world to legally regulate the issue of liability of owners or users of motor vehicles for damages suffered by third parties. The first method that appeared as insurance against damage caused by traffic accidents appeared in the form of voluntary insurance. However, it quickly became clear that voluntary insurance did not provide satisfactory protection to third parties injured, and the number of accidents became higher and higher every day, and the question arose as to how to achieve better protection of those injured in accidents. Thus, the idea to introduce the obligatory conclusion of a contract on motor liability insurance arose very quickly, all with the aim of better protection of injured persons. Over time, it was concluded that liability insurance for owners or users of motor vehicles for damage caused by the use of motor vehicles to third parties is inevitable and that it is the best way to protect victims of traffic accidents. The protection of injured persons is achieved through the procedure of compensation for damage that should be fast and effective, and able to bring the injured persons back into the normal life of the community. For this purpose, the paper deals with the issue of protection of third injured parties with compulsory motor third party liability insurance, and presents all the problems and challenges faced by third injured parties in exercising the right to compensation as a fundamental obligation under motor liability insurance contracts. The paper underlines certain means of protection of the injured party that the legislation introduces in order to facilitate and simplify the procedure of compensation for damages and thus enable the injured parties to obtain full compensation for damage in a fast and efficient manner.

• Keywords: osiguranje od automobilske odgovornosti; treće oštećene osobe; naknada štete; sredstva zaštite.
• Keywords (english): motor liability insurance; third party injured parties; compensation for damages; means of protection
• Language: croatian
• URN:NBN: urn:nbn:hr:148:826617
• Study programme: Title: Insurance and reinsurance; Study programme type: university; Study level: postgraduate specialist; Academic / professional title: sveučilišni/a specijalist/specijalistica osiguranja i reosiguranja (sveučilišni/a specijalist/specijalistica osiguranja i reosiguranja)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2022-09-21 19:16:11