UE, SEE, Regatul Unit și alte state: de ce traseele pot diferi

01Patru denumiri care răspund unor întrebări diferite

02De la ce pornesc: faptele, nu cetățenia

03Pentru UE și SEE, reprezentantul este o rută condiționată

04Regatul Unit: circulația și despăgubirea urmează verificări distincte

05Data accidentului nu este singura dată importantă

06Alte state: ce schimbări ale sistemului Carte Verde verific?

07Cui cer informațiile și ce pregătesc

08De ce termenele nu se transferă de la un mecanism la altul

09Vehicule necunoscute, neasigurate și acorduri bilaterale

10Gestionarea cererii nu decide singură legea și instanța

!De reținut

#Surse și trimiteri

1. 1
   Sursa 1: EFTA — The EEA EFTA StatesGhid oficial · The EEA EFTA States: paragrafele despre Islanda, Liechtenstein, Norvegia și ElvețiaTextul oficial ↗Explicația noastră a actului →

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   Corpul paginii — extras 1 · limba originalului: en

   The EEA EFTA States Information about the three EEA EFTA States: Iceland, Liechtenstein and Norway. The EU Member States, together with three of the EFTA States - Iceland, Liechtenstein and Norway - make up the EEA Contracting Parties (the EEA States). In everyday language, Iceland, Liechtenstein and Norway go by the term “EEA EFTA States” in order to clarify that the other EFTA State, Switzerland, is not party to the EEA Agreement. However, in the EEA Agreement and the legal texts linked to it (e.g. Joint Committee Decisions) the term “EFTA States” refers to the three EEA EFTA States and is understood to exclude Switzerland. Share twitter linkedin facebook email About Details Request more information EEA & Relations with the EU Sidebar: Menu Main

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   Sursa 2: BAAR — Lista țărilor SEEGhid oficial · Lista statelor SEE: toate cele 30 de intrăriTextul oficial ↗Explicația noastră a actului →

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   Lista tarilor SEE Austria Belgia Bulgaria Cipru Croația Danemarca Estonia Finlanda Franța Germania Grecia Irlanda Italia Letonia Lituania Luxemburg Malta Polonia Portugalia Cehia Romania Slovacia Slovenia Spania Suedia Olanda Ungaria Islanda Liechtenstein Norvegia

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   Sursa 3: Green Card system — mecanism, membri, corespondent și Acord multilateralGhid oficial · The Green Card system; The Multilateral Agreement: membri și efectul acordului asupra documentului de asigurareTextul oficial ↗Explicația noastră a actului →

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   Corpul paginii — extras 1 · limba originalului: en

   Cross-border road traffic accidents in the victim’s country of residence 1 What is the Green Card system? What is the Green Card system? What is the Green Card system? The Green Card system is a protection mechanism for victims of cross-border road traffic accidents caused by foreign vehicles. It facilitates the flow of cross-border road traffic in Europe and ensures the compensation of victims of accidents caused by foreign motorists by guaranteeing sufficient third party liability to the latter. The system consists of 47 member countries represented by 43 Green Card Bureaux. The Green Card system is conditioned upon the existence of: A Green Card Bureau – established in each participating country A valid Green Card – issued by a Green Card Bureau of one of the participating countries AIM OF THE SYSTEM = To enable a vehicle from country A to circulate in country B while being covered by the original MTPL insurance subscribed in country A 1 History History History The system was founded in 1949, stimulated by the United Nations Economic Commission for Europe and on the basis of Recommendation No. 5 adopted by the Working Party on Road Transport of the Inland Transport Committee. The initial twofold objective of the system was to facilitate: The crossing of borders = Motorists are released from the obligation of taking out a national insurance contract at the border of the 47 member countries if possessing a Green Card. The claims settlement = Victims of cross-border road traffic accidents should properly be compensated and not be prejudiced by the fact that the accident was caused by a foreign vehicle. 1 Members Members Members The Green Card system consists of 43 Green Card Bureaux representing about 1500 motor insurers in 47 countries in Europe, North Africa and the Middle East. The Member Bureaux are: List of Member Countries A - Austria (since 1954) AL - Albania (since 1992) AND - Andorra (since 1996) AZ - Azerbaijan (since 2016) B - Belgium (since 1949) BG - Bulgaria (since 1971) BIH - Bosnia and Herzegovina (since 1996) BY - Belarus (since 2003 - suspended) CH - Switzerland (since 1949) CY - Cyprus (since 1996) CZ - Czech Republic (since 1949) D - Germany (since 1951) DK - Denmark (since 1949) E - Spain (since 1953) EST - Estonia (since 1992) F - France (since 1949) FIN - Finland (since 1949) GR - Greece (since 1949) H - Hungary (since 1960) HR - Croatia (since 1992) I - Italy (since 1953) IR - Islamic Republic of Iran (since 1976 - suspended) IRL - Ireland (since 1949) IS - Iceland (since 1970) L - Luxembourg (since 1949) LT - Lithuania (since 2003) LV - Latvia (since 1998) M - Malta (since 1985) MA - Morocco (since 1969) MD - Moldova (since 1997) MK - North Macedonia (since 1994) MNE - Montenegro (since 2012) N - Norway (since 1949) NL - Netherlands (since 1949) P - Portugal (since 1953) PL - Poland (since 1958) RO - Romania (since 1965) RUS - Russia (since 2009 - suspended) S - Sweden (since 1949) SK - Slovak Republic (since 1949) SLO - Slovenia (since 1992) SRB - Serbia (since 1954) TN - Tunisia (since 1969) TR - Türkiye (since 1964) UA - Ukraine (since 1997) UK - United Kingdom (since 1949) 0 A Green Card Bureau is an organisation established in each country of the Green Card system, guaranteeing that a victim suffering damage from a road traffic accident caused by a foreign vehicle (from another participating country) will be compensated in the country of the accident. The Bureau of the country of the accident can, subsequently, recover all compensations paid from the Bureau of the country from which the liable vehicle originates. Each Green Card Bureau represents the motor liability insurers of its country. A Green Card Bureau has two functions: As a "Bureau of the country of the accident" (or handling Bureau), it has responsibility for the handling and settlement of claims arising from accidents caused by visiting vehicles. When compensating victims, the handling Bureau will apply the rules of insurance and liability law of the country of the accident.

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   As a Guaranteeing Bureau it guarantees certificates of Motor Insurance, Green Cards, which are issued by its member insurance companies to their policyholders. Green Card Bureaux cooperate on the basis of the Internal Regulations and operate with the recognition and approval of their governments. 1 Geographical scope Geographical scope Geographical scope The geographical scope of the Green Card System extends to: European countries lying to the West of the Ural Mountains and the Caspian Sea Countries bordering the Mediterranean Sea. Apart from the existing members of the Green Card System, the following countries are eligible for future COB Membership: Algeria, Armenia, Egypt, Georgia, Kazakhstan, Lebanon, Libya and Syria. Language = official language(s) of the issuing country +  title of the document in English and French Format = horizontal or vertical (determined by the United Nations Economic Commission for Europe - UNECE) 1 Green Card Green Card Green Card The IMIC (International Motor Insurance Certificate), also known as the Green Card,  is an international certificate of insurance accepted without any obstacle or cost by the authorities of all 47 countries of the Green Card system. A Green Card can be delivered by a Bureau, an insurance undertaking or an insurance intermediary, but it is always issued under the authority of a Green Card Bureau. It certifies that a visiting vehicle has at least the minimum compulsory Motor Third Party Liability Insurance cover as required by the law of the country visited. It provides a guarantee for the visited country that the insurer of the vehicle's country of origin will reimburse the victim's damage in accordance with the rules applicable in the visited country. In this way, the victim of an accident caused by a foreign vehicle is properly compensated for the damage suffered. 1 Correspondents Correspondents Correspondents According to the rules of the Green Card System, the Bureau of the country of the accident is competent to receive and handle claims addressed by victims having suffered an accident caused by a foreign vehicle (originating from another participating country). However, the Green Card System also allows motor insurers to nominate correspondents in other participating countries. This correspondent will then be responsible to handle all claims arising from accidents occurred in the country where the correspondent is nominated and caused by (foreign) vehicles insured by the (foreign) motor insurer that has nominated the correspondent. The correspondent acts in the name of the Green Card Bureau of the country where the correspondent is nominated and for the account of the foreign insurer that has nominated the correspondent. The nomination of correspondents is a possibility for insurers, not an obligation. The Green Card Bureau of the country of the accident will guarantee the quality of the claims handling process by the correspondent and the Bureau continues to bear the final responsibility for the compensation of the damage caused. Each Bureau must establish and publish the conditions under which the Bureau grants, refuses or withdraws the approval of correspondents. In that context the COB agreed on the use by the Bureaux of the 3 following documents: The model for a Correspondents’ Charter, The Handling and Paying Model Agreement , The Rules on Outsourcing. 1 Multilateral Agreement Multilateral Agreement Multilateral Agreement The introduction of the Green Card system was an important contribution to facilitate international traffic.  Nevertheless, showing a document at each border is still time-consuming and creates obstacles to the free movement of persons and goods. For this reason,  encouraged by European initiatives, several Green Card member countries replaced the Green Card by the Multilateral Agreement (MA). Today, 36 of the 47 countries  participating in the Green Card system apply the Multilateral Agreement: The 27 Member States of the European Union;

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   3 additional European countries participating to the European Economic Area: Iceland , Liechtenstein and Norway ; 6 additional countries participating to this system by way of agreement: Andorra , Bosnia and Herzegovina , Montenegro , Serbia , Switzerland and the United Kingdom . The MA Signatory Bureaux recognise each other’s MTPL insurance on the basis of the origin of the vehicle (based on the notion of ‘ territory in which a vehicle is normally based ’, as described in article 1.4 of the Codified Directive)  . Consequently, the Green Card is no longer a required document when crossing the borders for motorists from those countries! NOTE : in some countries, the Green Card is more than only an international proof of insurance. Certain countries have turned the Green Card into a national proof of insurance, on the basis of national legislation. Despite what is explained above, it might therefore still be necessary to have a Green Card, but not for travelling internationally.

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   Sursa 4: Directiva 2009/103/CE — consolidare 23.12.2023, copie EUR-Lex găzduită de IVASSLege · Directiva 2009/103, forma 23.12.2023, art. 20(1)–(2), PDF 17–18 · forma din 23 decembrie 2023Textul oficial ↗Explicația noastră a actului →

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   Article 20 · limba originalului: en

   Article 20 Special provisions concerning compensation for injured parties following an accident in a Member State other than that of their residence 1.   The object of Articles 20 to 26 is to lay down special provisions applicable to injured parties entitled to compensation in respect of any loss or injury resulting from accidents occurring in a Member State other than the Member State of residence of the injured party which are caused by the use of vehicles insured and normally based in a Member State. Without prejudice to the legislation of third countries on civil liability and private international law, these provisions shall also apply to injured parties resident in a Member State and entitled to compensation in respect of any loss or injury resulting from accidents occurring in third countries whose national insurer’s bureaux have joined the green card system whenever such accidents are caused by the use of vehicles insured and normally based in a Member State. 2.   Articles 21 and 24 shall apply only in the case of accidents caused by the use of a vehicle: (a)  insured through an establishment in a Member State other than the State of residence of the injured party; and (b)  normally based in a Member State other than the State of residence of the injured party.

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   Sursa 5: Directiva 2009/103/CE — consolidare 23.12.2023, copie EUR-Lex găzduită de IVASSLege · Art21(1)–(5), PDF 17–18 · forma din 23 decembrie 2023Textul oficial ↗Explicația noastră a actului →

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   Article 21 · limba originalului: en

   Article 21 Claims representatives 1.   Each Member State shall take all measures necessary to ensure that all insurance undertakings covering the risks classified in class 10 of point A of the Annex to Directive 73/239/EEC, other than carrier’s liability, appoint a claims representative in each Member State other than that in which they have received their official authorisation. The claims representative shall be responsible for handling and settling claims arising from an accident in the cases referred to in Article 20(1). The claims representative shall be resident or established in the Member State where he is appointed. 2.   The choice of its claims representative shall be at the discretion of the insurance undertaking. The Member States may not restrict this freedom of choice. 3.   The claims representative may act for one or more insurance undertakings. 4.   The claims representative shall, in relation to such claims, collect all information necessary in connection with the settlement of the claims and shall take the measures necessary to negotiate a settlement of claims. The requirement of appointing a claims representative shall not preclude the right of the injured party or his insurance undertaking to institute proceedings directly against the person who caused the accident or his insurance undertaking. 5.   Claims representatives shall possess sufficient powers to represent the insurance undertaking in relation to injured parties in the cases referred to in Article 20(1) and to meet their claims in full. They must be capable of examining cases in the official language(s) of the Member State of residence of the injured party. 6.   The appointment of a claims representative shall not in itself constitute the opening of a branch within the meaning of Article 1(b) of Directive 92/49/EEC and the claims representative shall not be regarded as an establishment within the meaning of Article 2(c) of Directive 88/357/EEC or an establishment within the meaning of Regulation (EC) No 44/2001.

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   Sursa 6: Legea nr. 132/2017 privind asigurarea obligatorie de răspundere civilă autoLege · Legea 132/2017, art34(1)(a), punctele(i)–(iv) · forma din 13 decembrie 2025Textul oficial ↗Explicația noastră a actului →

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   Art. 34

   Articolul 34 Atribuții ale BAAR în calitate de centru de informare(1) În calitate de centru de informare, BAAR are următoarele atribuții:a) furnizează, la solicitarea persoanelor prejudiciate sau a centrelor de informare din celelalte state semnatare ale Acordului cu privire la schimbul de informații între centrele de informare, date privind:(i) numele și adresa asigurătorului RCA pentru vehiculul condus de vinovatul de producerea accidentului; (ii) numele și adresa reprezentantului de despăgubiri al asigurătorului RCA, emitent al contractului RCA pentru vehiculul condus de către conducătorul auto vinovat de producerea accidentului, în statul de reședință al persoanei prejudiciate; (iii) numărul contractului RCA; (iv) numele și adresa organismului autorizat să primească și să soluționeze cererile de despăgubire în statul de reședință al persoanei prejudiciate, pentru vehiculul condus de către conducătorul auto vinovat de producerea accidentului sau pentru cazul în care persoana proprietară a vehiculului respectiv beneficiază de derogare de la obligativitatea încheierii contractului RCA; b) furnizează, la solicitarea persoanelor prejudiciate care prezintă un interes legitim, numele și adresa proprietarului, ale conducătorului obișnuit sau ale utilizatorului vehiculului condus de către conducătorul auto vinovat de producerea accidentului; aceste date se pot solicita de persoana prejudiciată în mod direct sau prin intermediul centrului de informare din statul său de reședință; dovada existenței interesului legitim este în sarcina celui care face solicitarea; furnizarea acestor date se face în conformitate cu prevederile legislației privind prelucrarea datelor cu caracter personal și libera circulație a acestor date. (2) În scopul îndeplinirii atribuțiilor prevăzute la alin. (1) lit. b), BAAR are drept de acces pentru consultarea evidențelor cu vehicule înmatriculate sau înregistrate în România administrate de autoritățile publice, în condiții stabilite prin protocol încheiat între A.S.F., Direcția Regim Permise de Conducere și Înmatriculare a Vehiculelor din cadrul Ministerului Afacerilor Interne și BAAR.(3) Informațiile comunicate de asigurătorul RCA conform art. 24 alin. (6) sunt transmise centrelor de informare naționale din statele membre.(4) Solicitarea prevăzută la alin. (1) lit. b) se poate face de către persoana prejudiciată, în mod direct sau prin intermediul centrului de informare din statul de reședință.(5) Abrogat. (6) BAAR nu poate prelucra datele cu caracter personal la care are acces potrivit alin. (2) în alt scop decât cel pentru care prezenta lege stabilește dreptul de acces.(7) Prin protocolul prevăzut la alin. (2) se stabilesc inclusiv măsurile de natură organizatorică și tehnică pentru asigurarea securității prelucrărilor de date cu caracter personal efectuate, în condițiile legislației privind protecția datelor cu caracter personal, precum și măsuri necesare pentru asigurarea:a) controlului accesului la sisteme; b) controlului utilizatorilor; c) controlului accesului la date; d) stabilirii profilurilor utilizatorilor în raport cu sarcinile relevante în condițiile prezentei legi; e) mecanismelor necesare exercitării drepturilor de către persoana vizată; f) mecanismelor necesare pentru verificarea legalității prelucrărilor; g) securității prelucrărilor de date cu caracter personal.

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   Sursa 7: BAAR — Accident în străinătateGhid oficial · Accident în străinătate: datele trimise infocentre@baar.ro și identificarea reprezentantuluiTextul oficial ↗Explicația noastră a actului →

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   Accident in strainatate Daca ați fost implicat intr-un accident care a avut loc in una din tarile din aceasta lista , prin intermediul unui vehicul înmatriculat in una din tarile SEE ( vezi lista tarilor SEE ), în vederea identificării reprezentantului de despăgubiri pe teritoriul României, trimiteți la adresa de e-mail infocentre@baar.ro următoarele informații: • dată accident • țară accident • număr de înmatriculare și tara de înmatriculare autovehiculul advers • nume asigurător autovehiculului advers în măsura în care se cunoaște După primirea informațiilor menționate mai sus, veți fi informați cu privire la datele de contact ale reprezentantului de despăgubiri pe teritoriul României al asigurătorului străin în vederea deschiderii dosarului de daună. De asemenea, pentru obtinerea informatiei cu privire la reprezentantul de despagubiri de pe teritoriul Romaniei, ne puteți contacta si la numărul de telefon +4 0311 300 800 Nota: In aceste situații, aveți posibilitatea sa va adresați pentru despăgubire si biroului national din tara in care s-a produs accidentul (vezi date de contact Birouri Naționale ), cu excepția cazului in care vehiculul era înmatriculat in tara producerii accidentului. In situația in care este necesara intervenția BAAR in calitate de Organism de Compensare, veți regăsi detalii si informații AICI . Statele SEE . Acceseaza Date de contact birouri nationale Acceseaza Listă tari Acceseaza

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   Sursa 8: Decizia de punere în aplicare (UE) 2021/1145 — vehicule din Muntenegru și Regatul UnitNormă · Decizia 2021/1145, considerentele3–6 și art2, JO L247/100–101 · forma din 30 iunie 2021Textul oficial ↗Explicația noastră a actului →

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   Article 2 · limba originalului: en

   Article 2 From 2 August 2021 Member States shall refrain from making checks of insurance against civil liability in respect of all types of vehicles normally based in the United Kingdom, with the exception of military vehicles registered therein, at their entry in the Union.

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   Considerentul 3 · limba originalului: en

   (3) On 30 May 2002, the national insurers’ bureaux of the Member States of the European Economic Area and other associate States concluded an agreement under which the settlement of claims arising in respect of accidents occurring in their territories that are caused by vehicles normally based in the territory of the other parties to that agreement, is guaranteed, irrespective of whether such vehicles are insured (the ‘Agreement’).

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   Considerentul 4 · limba originalului: en

   (4) On 6 January 2021, the national insurers’ bureaux of the Member States and those of Andorra, Bosnia and Herzegovina, Iceland, Liechtenstein, Norway, Serbia, Switzerland and the United Kingdom signed an addendum to the agreement by which the Agreement was amended to include the national insurers’ bureau of Montenegro. The addendum provides for the practical arrangements to abolish insurance checks in respect of vehicles normally based in the territory of Montenegro and which are subject to the Agreement.

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   Considerentul 5 · limba originalului: en

   (5) The national insurers’ bureau of the United Kingdom was a signatory to of the Agreement of 30 May 2002. The withdrawal of the United Kingdom of Great Britain and Northern Ireland from the European Union did not change the situation as regards the commitments of its national insurers’ bureau towards the other national insurers’ bureaux concerned.

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   Considerentul 6 · limba originalului: en

   (6) Therefore, all the conditions for the removing of checks on motor insurance against civil liability, in accordance with Directive 2009/103/EC, in respect of vehicles normally based in Montenegro and the United Kingdom are fulfilled.

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   Sursa 9: FCA Handbook — ICOBS 8.2 Motor vehicle liability insurersNormă · ICOBS 8.2.1(2)(a)–(b),8.2.2B și8.2.3 · forma din 1 ianuarie 2021Textul oficial ↗Explicația noastră a actului →

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   Corpul paginii — extras 1 · limba originalului: en

   Search Clear Home FCA Handbook ICOBS ICOBS 8 ICOBS 8.2 Motor vehicle liability insurers ICOBS 8.2 Motor vehicle liability insurers You are viewing ICOBS 8.2 Motor vehicle liability insurers as of . ICOBS 8.2 Motor vehicle liability insurers was last updated on 01/01/2021. Rules Guidance Deleted Related resources ICOBS 8.2 Motor vehicle liability insurers Application: who? what? ICOBS 8.2.1 01/01/2021 R (1) This section applies to a motor vehicle liability insurer . (2) The rules in this section relating to the appointment of claims representatives apply: (a) [deleted] (b) in relation to claims arising out of events occurring, and risks situated, in the United Kingdom , and covered by a firm operating from an establishment in the European Economic Area . (3) The rules in this section relating to claims handling apply in respect of claims arising from any accident caused by a vehicle normally based in the United Kingdom . [ Note : article 20(1) of the Consolidated Motor Insurance Directive and article 152 of the Solvency II Directive ] Requirement to appoint claims representatives ICOBS 8.2.2B 01/01/2021 R A firm operating from an establishment in the European Economic Area carrying on motor vehicle liability insurance business and covering UK risks must have a claims representative in the United Kingdom to deal with claims arising out of events occurring in the United Kingdom . [ Note: article 152 of the Solvency II Directive ] Conditions for appointing claims representatives ICOBS 8.2.3 01/01/2021 R A firm must ensure that each claims representative: (1) is responsible for handling and settling a claim by an injured party ; (2) is resident or established in the United Kingdom ; (3) collects all information necessary in connection with the settlement of a claim and takes the measures necessary to negotiate its settlement; (4) possesses sufficient powers to represent the firm in relation to an injured party and to meet an injured party's claim in full; and (5) is capable of examining cases in the official language(s) of the United Kingdom . [ Note : article 21(1), (4) and (5) of the Consolidated Motor Insurance Directive and article 152 of the Solvency II Directive ] ICOBS 8.2.4 06/01/2008 G The requirement to possess sufficient powers does not prevent a claims representative from seeking additional authority or instructions if needed. It does prevent it from declining to deal with, or transferring responsibility for, claims properly referred to it by an injured party , or their representative. Notifying the appointment of claims representatives ICOBS 8.2.5 01/01/2021 R (1) A firm must notify to the Motor Insurers’ Information Centre : (a) the name and address of the claims representative which they have appointed in the United Kingdom ; [ Note : article 23(2) of the Consolidated Motor Insurance Directive ] (b) the telephone number and effective date of appointment; and (c) any material change to information previously notified. (2) Notification must be made within ten business days of an appointment or of a material change. Motor vehicle liability claims handling rules ICOBS 8.2.6 01/01/2011 R Within three months of the injured party presenting his claim for compensation: (1) the firm of the person who caused the accident or its claims representative must make a reasoned offer of compensation in cases where liability is not contested and the damages have been quantified; or (2) the firm to whom the claim for compensation has been addressed or its claims representative must provide a reasoned reply to the points made in the claim in cases where liability is denied or has not been clearly determined or the damages have not been fully quantified. [ Note : article 22 of the Consolidated Motor Insurance Directive and article 3 of the Consolidated Motor Insurance Directive ] ICOBS 8.2.7 06/01/2008 R (1) If liability is initially denied, or not admitted, within three months of any subsequent admission of liability, the firm must (directly, or through a claims representative) make a reasoned offer of settlement, if, by that time, the relevant claim for damages has been fully quantified. (2) If an injured party's

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   Corpul paginii — extras 2 · limba originalului: en

   claim for damages is not fully quantified when it is first made, within three months of the subsequent receipt of a fully quantified claim for damages, the firm must (directly, or through a claims representative) make a reasoned offer of damages, if liability is admitted at that time. ICOBS 8.2.8 06/01/2008 R A claim for damages will be fully quantified for the purpose of this section when the injured party provides written evidence which substantiates or supports the amounts claimed. Interest on compensation ICOBS 8.2.9 01/04/2013 R (1) If the firm , or its claims representative, does not make an offer as required by this section, the firm must pay simple interest on the amount of compensation offered by it or awarded by the court to the injured party , unless interest is awarded by any tribunal. (2) The interest calculation period begins when the offer should have been made and ends when the compensation is paid to the injured party , or his authorised representative. (3) The interest rate is the Bank of England's base rate (from time to time), plus 4%. [ Note : article 22 of the Consolidated Motor Insurance Directive . Regulation 6 of the Financial Services and Markets Act 2000 (Rights of Action) Regulations 2001 makes this rule actionable under section 138D of the Act (Actions for damages) by any person who suffers loss as a result of its contravention] ICOBS 8.2.10 06/01/2008 R A firm will be taken to have received a claim, or a fully quantified claim, for damages when the claim is delivered to it, or a claims representative, by any person by any method of delivery which is lawful in the firm's , or its claims representative's, respective State of residence or establishment. ICOBS 8.2.11 06/01/2008 G The provisions in this section are not intended to, and do not, restrict any rights which the injured party , or its motor vehicle liability insurer , or any other insurer acting on its behalf, may have and which would enable any of them to begin legal proceedings against the person causing the accident or that person's , or the vehicle's , insurers . Previous Next

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    Sursa 10: Department for Transport — Motor Insurance Framework, November 2025Ghid oficial · Motor Insurance Framework, November 2025, PDFp6: Visiting Victims după BrexitTextul oficial ↗Explicația noastră a actului →

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    PDF p. 6

    Motor Insurance Framework Participation in the Green Card-free Circulation Zone (GCFCZ) The UK lost automatic membership of the Green Card Free Circulation Zone established by the Directive as a result of Brexit. However the UK again became a member: on 30 June 2021 the European Commission issued Implementing Decision (EU) 2021/1145 which stated that with effect from 2 August 2021 Member States shall refrain from making checks of insurance against civil liability in respect of all types of vehicles normally based in the United Kingdom except for military vehicles registered therein, at their entry in the Union. This in effect confirmed the UK’s re-admittance to the Green Card Free Circulation Zone meaning that UK motorists have not needed to carry a Green Card from 2 August 2021 in the EU/EEA. Protection of Visiting Victims The UK lost access to the Visiting Victims system established under the Motor Insurance Directive. Compensation is still available to UK residents. The National Insurance Bureaux, who are signatories to the multilateral agreement that guarantees compensation for visiting victims, have agreed to continue their multilateral cooperation and will continue handling claims based on deemed insurance cover. Insurers of foreign drivers are no longer required to establish a claims representative in the UK and DfT has removed the compensation body obligations on MIB from UK legislation, as without this the MIB would have to pay out where a UK resident incurred damages by a foreign driver in the EU/EEA but the foreign compensation body wouldn't be obliged to reimburse MIB. This means that if a UK resident is injured by an insured vehicle in the EU/EEA, the individual would need to pursue a claim against the insurer in the foreign country, rather than through a UK-based claims representative. The MIB has said that they could still assist victims before they make a claim to get information in their language. There are no legislative requirements arising from this and the MIB acts for the whole UK so no separate arrangements are required for NI. For uninsured/untraced vehicles, the MIB has negotiated bilateral ‘Protection of Visitors’ agreements with the guarantee funds of EU/EEA countries so victims will still be able to claim compensation, but this would be done through the Guarantee Fund of the foreign country rather than the MIB Bilateral agreements have been agreed with all EU countries except for Romania, who have agreed in principle but are yet to make the requisite domestic legislation. This Common Framework will be an agreement between DfT and DfI. International obligations The international obligations that apply to this area are: • The Inter-Bureaux Uniform Agreement between all bureaux participating in the Green Card scheme (first signed in 1951 in support of a United Nations initiative).

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    Sursa 11: MIB — I’ve been hit by a foreign vehicleGhid oficial · I’ve been hit by a foreign vehicle: accident în UK, identificarea agentului și ruta MIB dacă acesta nu se găseșteTextul oficial ↗Explicația noastră a actului →

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    Corpul paginii — extras 1 · limba originalului: en

    Know what to do if a foreign vehicle hits you What to do if you've been hit by a foreign registered vehicle in the UK, including how to make a claim against the driver. Hit by a foreign vehicle in the UK? If you’re in an accident in the UK, the British Crown Dependencies or Gibraltar with a foreign-registered vehicle, you may be able to make a claim. 1 Collect as many details as you can You’ll need to collect as many details as you can about the foreign vehicle involved in the accident. You should do this no matter who is at fault. Make sure you get: Name and address Vehicle registration number, make and model Registration of the cab (if accident is with a lorry) Insurance information Photos of both vehicles and the surrounding area Witness contact details 2 Ask the other driver if they know their Green Card number When you swap your insurance details at the accident scene, ask if the driver knows their Green Card number. This is an internationally recognised document that will help you and your insurer identify the right details ready to make a claim. If they don’t know it, just make sure you take note of their vehicle registration number instead. 3 Contact your insurer If the accident involved a vehicle that you were driving, the next step is to contact your insurer. They’ll be able to give you guidance on what to do next. 4 Find the foreign insurer’s UK representative Because the accident happened in your own country, your claim can only be processed and settled locally. This is why all foreign insurers have a legal in-country representative that you can submit a claim against. Our Find a foreign insurer’s UK representative service below can help you identify the correct representative if the information you have from the other driver is unclear or incomplete. Find a foreign insurer’s UK representative Select the vehicle’s registration country below. Then select the Green Card number and/or insurer name you should have been given at the scene. Once you’ve identified the correct representative, contact them directly to find out the next steps towards making a claim against the foreign vehicle driver. Select a country Select a country Albania Andorra Austria Azerbaijan Belarus Belgium Bosnia-Herzegovina Bulgaria Croatia Cyprus Czech Republic Denmark Estonia Finland France Germany Greece Hungary Iceland Ireland The Islamic Republic of Iran Italy Latvia Liechtenstein Lithuania Luxembourg Malta Moldova Montenegro Morocco Netherlands North Macedonia Norway Poland Portugal Romania Russia Serbia Slovakia Slovenia Spain Sweden Switzerland Tunisia Türkiye Ukraine Select a Green Card Number Select a Green Card Number Select an insurer Select an insurer Results Agent Address County Post Code Telephone Email What to do if you can’t identify the insurer’s representative If you can't find the right insurer yourself due to lack of information given at the scene of the accident, you can submit a claim to MIB. We’ll use this information to consult with other countries and try to locate the insurer and/or their UK representative. Please note, for this to be successful, you’ll need to know the vehicle’s registration number. Start a new claim Frequently asked questions about having an accident with a foreign vehicle in the UK Why do I need to find a UK representative if I have the foreign insurer’s details? For legal reasons, claims made on behalf of a resident of the UK, British Crown Dependencies and Gibraltar can only be submitted and resolved in-country. Most foreign insurers have authorised an organisation or local branch to act on their behalf to make sure that all outcomes of a case are compliant under UK law. Sometimes, the representative of the foreign insurer may be MIB. The same is reversed in other countries – if you have an accident abroad, your UK or home territory insurer may have a representative within the country where the accident took place. MIB is the in-country representative. What should I do now?

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    Corpul paginii — extras 2 · limba originalului: en

    Submit a claim via our MIB Claim Portal. The claims form will clearly ask you whether the accident involved a foreign vehicle. You may need to provide the vehicle’s number plate and the driver’s green card information. I had an accident with a foreign vehicle when I was abroad. What do I do? The first thing you should do is collect as many details as you can about the other vehicle and driver involved. This includes their vehicle registration number and green card information, if they have it. Either you or the other driver should report the accident to the police. You should also contact your insurer for guidance on what to do next. Read our full advice on what to do if you've had an accident abroad.

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12. 12
    Sursa 12: MIB — Driving abroadGhid oficial · Locating the foreign driver: UKICInfoCentre@mib.org.uk; At the sceneTextul oficial ↗Explicația noastră a actului →

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    Corpul paginii — extras 1 · limba originalului: en

    Insurance and accident advice for driving abroad Make sure you’re properly insured to drive abroad and know what to do if you’re involved in an accident or collision while you’re away. Driving abroad: what you need to know Driving in other countries can be a great experience, but rules and insurance requirements vary from country to country. Before you travel, it’s important to understand what level of insurance cover you have, what proof of insurance you may need, and whether additional cover is required. A few simple checks can help you avoid unexpected issues and make sure you’re legally covered wherever you drive. What is a Green Card for driving? The Green Card system , co-ordinated by COB , is an international initiative with 50 member countries that aims to protect road users by making sure that victims of accidents caused by foreign vehicles receive fair compensation. It does this through the use of a Green Card, which is a document that proves your vehicle has valid motor insurance when driving in member countries. A Green Card shows that your insurer will provide you, at minimum, with the level of insurance cover required by law in the country you’re visiting. This is usually part of your UK-based insurance policy and does not cost you anything extra. The minimum insurance cover required by law is usually on a third-party basis. Third-party only covers damage you’ve caused to other people or vehicles if you’re the driver at fault. If you’re planning to drive abroad, we’d recommend you check this with your insurer and pay for additional cover before you go if you feel you need it. Do you need a Green Card to drive abroad? A Green Card is only relevant when you are driving a UK, British Crown Dependencies or Gibraltar-registered car abroad. The Green Card system is split into two categories. Free circulation zone You don’t need to carry or display a Green Card if you’re driving within the free circulation zone. Your UK motor insurance automatically provides the minimum level of cover needed. Countries included in the free circulation zone: All countries within the European Economic Area (EEA) UK, British Crown Dependencies and Gibraltar Andorra Bosnia and Herzegovina Montenegro Serbia Switzerland If you’re planning to drive in these countries, it’s advisable to contact your insurer to arrange comprehensive insurance cover so that costs for theft or damage to your own vehicle and personal injury are included, should you have an accident. Proof of Green Card needed Some countries do require a Green Card to be shown as proof of motor insurance. You’ll need to request this from your insurer before you travel. They are usually issued digitally and can be shown on your phone. Countries that require proof of a Green Card: Albania Azerbaijan Moldova North Macedonia Tunisia Turkey Ukraine When you request a Green Card, make sure to check the level of insurance cover. Consider upgrading to comprehensive insurance for the duration of your time abroad. We always recommend you carry a printed copy of your Green Card with you just in case. What if my insurer won't issue a Green Card? In some cases, your UK insurer may decline your request to cover your travel to one of the countries that require proof of a Green Card. If this happens, you’ll need to pay a different insurer who is willing to cover you for the duration of time you are spending in that country. This temporary policy will just run alongside your usual UK insurance, starting as you enter the specific country and ending when you leave again. Driving in countries outside the Green Card system If you’re planning to drive your own car in countries that aren’t part of the Green Card system, you’ll need to purchase local insurance at the border. This is known as frontier insurance and provides country-specific cover for your trip.

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    Corpul paginii — extras 2 · limba originalului: en

    You’re no longer covered by your usual insurer under these circumstances, which means that any accidents in these countries will need to be resolved through the frontier insurance company that issued you with the policy. Green Card system members change from time-to-time. It’s worth checking the status of the country you are travelling to if it’s outside of the EEA. COB , the organisation that co-ordinates the Green Card system, have an interactive map that shows the live status of every country. View the COB map What happens if you have an accident abroad? At the scene Collect as many details as you can Whether you’re in a vehicle, on a bike, or a pedestrian, you’ll need to collect as many details as you can about the other vehicle involved in the accident. You should do this no matter who is at fault. Make sure you get: Name and address Vehicle registration plate, make and model Insurance and/or Green Card information Photos of both vehicles and the surrounding area Witness contact details What to do next Report it to the police Either you or the other driver should report the accident to the police. It may even be helpful for your insurance claim if you can get a copy of the police report. What to do next Contact your insurer If the accident involved a vehicle that you were driving, the next step is to contact your insurer. They’ll be able to give you guidance on what to do next. Standard accident form In many European countries, drivers use a standard accident form called a ‘Constat Amiable’. This form helps the driver to record what happened in the accident using simple diagrams and details from both drivers. Insurers will use this to decide who was responsible for the accident. The form has space for a signature at the bottom, but you should think carefully before signing. Only sign it if you fully understand what it says and if you agree with all of the information written. Signing a form with inaccurate information could cause issues for your insurance claim. You are not obligated to sign the form, even if the other driver wants you to. Locating a foreign driver Struggling to get a driver’s details after an accident abroad? The UK Information Centre run by MIB may be able to help you with finding the insurance details of the foreign vehicle involved. You can contact us via email at UKICInfoCentre@mib.org.uk . Did you know? Accidents involving lorries European heavy goods vehicles (HGVs) have different registration numbers on the cab and the trailer If you have an accident with a lorry, you’ll need to make sure you get the insurance policy information for the cab (sometimes called the tractor unit). Frequently asked questions about driving abroad or having an accident with a foreign vehicle Do I need a Green Card to drive abroad? A Green Card is a document that acts as proof of insurance for the vehicle you’re driving abroad. If you’re driving in what is known as the free circulation zone, then you won’t need physical proof of a Green Card. If you’re driving beyond the free circulation zone, you may need to request a Green Card from your usual insurer. This is only necessary for the following countries: Albania Azerbaijan Moldova North Macedonia Tunisia Turkey Ukraine If you’re driving outside of the Green Card system entirely, you’ll need to buy frontier insurance at the border of the country you’re visiting. Examples include Algeria, Egypt and Syria. This also applies to countries that are suspended from the Green Card system. The Green Card system does not apply to locally hired cars in the country you are visiting. What happens if I don’t have a Green Card for the country I want to drive in? You can drive across most of Europe without needing to show a Green Card at the border. However, there are seven member countries that do require physical proof of motor insurance: Albania Azerbaijan Moldova North Macedonia Tunisia Turkey Ukraine

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    Corpul paginii — extras 3 · limba originalului: en

    If you arrive at the border of a country where a Green Card is required and you don’t have one, you may be refused entry or be required to buy frontier insurance at the border which can be more expensive. Always check requirements before travelling. I’ve been in a vehicle accident abroad – what do I do now? You’ll need to exchange insurance policy and personal details, take photos of the vehicles involved, and contact your insurer as soon as you can. If the other driver is at fault, you’re struggling to get their details, or they’ve left the accident scene, you can contact MIB for guidance on next steps.

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    Sursa 13: European Union (Withdrawal Agreement) Act 2020 — section 39Lege · European Union (Withdrawal Agreement) Act 2020, section 39(1)–(2)Textul oficial ↗Explicația noastră a actului →

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    Section 39(1)–(2) · limba originalului: en

    (1) In this Act— “ devolved authority ” means— (a) the Scottish Ministers, (b) the Welsh Ministers, or (c) a Northern Ireland department; “ EEA EFTA separation agreement ” means (as modified from time to time in accordance with any provision of it) the Agreement on arrangements between Iceland, the Principality of Liechtenstein, the Kingdom of Norway and the United Kingdom of Great Britain and Northern Ireland following the withdrawal of the United Kingdom from the European Union, the EEA Agreement and other agreements applicable between the United Kingdom and the EEA EFTA States by virtue of the United Kingdom's membership of the European Union; “ enactment ” means an enactment whenever passed or made and includes— (a) an enactment contained in any Order in Council, order, rules, regulations, scheme, warrant, byelaw or other instrument made under an Act of Parliament, (b) an enactment contained in any Order in Council made in exercise of Her Majesty's Prerogative, (c) an enactment contained in, or in an instrument made under, an Act of the Scottish Parliament, (d) an enactment contained in, or in an instrument made under, a Measure or Act of the National Assembly for Wales, (e) an enactment contained in, or in an instrument made under, Northern Ireland legislation, (f) an enactment contained in any instrument made by a member of the Scottish Government, the Welsh Ministers, the First Minister for Wales, the Counsel General to the Welsh Government, a Northern Ireland Minister, the First Minister in Northern Ireland, the deputy First Minister in Northern Ireland or a Northern Ireland department in exercise of prerogative or other executive functions of Her Majesty which are exercisable by such a person on behalf of Her Majesty, (g) an enactment contained in, or in an instrument made under, a Measure of the Church Assembly or of the General Synod of the Church of England, and (h) any retained direct EU legislation; “ IP completion day ” means 31 December 2020 at 11.00 p.m (and see subsections (2) to (5)); “ Minister of the Crown ” has the same meaning as in the Ministers of the Crown Act 1975 and also includes the Commissioners for Her Majesty's Revenue and Customs; “ modify ” includes amend, repeal or revoke (and related expressions are to be read accordingly); “ primary legislation ” means— (a) an Act of Parliament, (b) an Act of the Scottish Parliament, (c) a Measure or Act of the National Assembly for Wales, or (d) Northern Ireland legislation; “ subordinate legislation ” means any Order in Council, order, rules, regulations, scheme, warrant, byelaw or other instrument made under any primary legislation; “Swiss citizens' rights agreement” means (as modified from time to time in accordance with any provision of it) the Agreement signed at Bern on 25 February 2019 between the United Kingdom of Great Britain and Northern Ireland and the Swiss Confederation on citizens' rights following the withdrawal of the United Kingdom from— (a) the European Union, and (b) the free movement of persons agreement, so far as the Agreement operates for the purposes of the case where “ specified date ” for the purposes of that Agreement has the meaning given in Article 2(b)(ii) of that Agreement; [ F1 “ Windsor Framework ” means the part of the withdrawal agreement known as the Windsor Framework by virtue of Joint Declaration No. 1/2023 of 24 March 2023 made between the EU and the United Kingdom in the Joint Committee established by the withdrawal agreement; ] “ withdrawal agreement ” means the agreement between the United Kingdom and the EU under Article 50(2) of the Treaty on European Union which sets out the arrangements for the United Kingdom's withdrawal from the EU [ F2 as modified in relation to the Windsor Framework (and as otherwise modified from time to time in accordance with any provision of that agreement) ] . (2) In this Act references to before, after or on IP completion day, or to beginning with IP completion day, are to be read as references to before, after or at 11.00 p.m. on 31 December 2020 or (as the case may be) to beginning with 11.00 p.m. on that day.

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    Sursa 14: The Motor Vehicles (Compulsory Insurance) (Amendment etc.) (EU Exit) Regulations 2019, SI2019/551Normă · SI 2019/551, reg. 1(4)–(6), PDF 1–2; reg. 4, PDF2–4 · forma din 11 martie 2019Textul oficial ↗Explicația noastră a actului →

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    PDF p. 1 · limba originalului: en

    S T A T U T O R Y I N S T R U M E N T S 2019 No. 551 EXITING THE EUROPEAN UNION ROAD TRAFFIC The Motor Vehicles (Compulsory Insurance) (Amendment etc.) (EU Exit) Regulations 2019 Made - - - - 11th March 2019 Coming into force in accordance with regulation 1 The Secretary of State makes these Regulations in exercise of the powers conferred by section 8(1) of, and paragraph 21 of Schedule 7 to, the European Union (Withdrawal) Act 2018(a). In accordance with paragraph 1(3) of Schedule 7 to that Act, a draft of this instrument has been laid before Parliament and approved by a resolution of each House of Parliament. PART 1 Introduction Citation, commencement, extent, interpretation and savings 1.—(1) These Regulations may be cited as the Motor Vehicles (Compulsory Insurance) (Amendment etc.) (EU Exit) Regulations 2019 and come into force on exit day. (2) Regulations 2 and 3 extend to England and Wales and Scotland only. Regulations 5 and 6 extend to Northern Ireland only. (3) In these Regulations, “the 2003 Regulations” means the Motor Vehicles (Compulsory Insurance) (Information Centre and Compensation Body) Regulations 2003(b). (4) Where a court in any part of the United Kingdom was seised before exit day of legal proceedings against MIB under regulation 11 or 13 of the 2003 Regulations, regulations 2, 10, 11, 12(3) to (5), 13 and 16 of those Regulations shall continue to apply as if these Regulations had not been made and as if the United Kingdom remained a member State of the European Union. (5) In this regulation a court shall be deemed to be seised— (a) at the time when the document instituting the proceedings or an equivalent document is lodged with the court, provided that the applicant has not subsequently failed to take the steps the applicant was required to take to have service effected on the respondent; or (a) 2018 c. 16. (b) S.I. 2003/37, to which there are amendments not relevant to these Regulations.

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    PDF p. 2 · limba originalului: en

    2 (b) if the document has to be served before being lodged with the court, at the time when it is received by the authority responsible for service (being the first authority receiving the document to be served), provided that the applicant has not subsequently failed to take the steps the applicant was required to take to have the document lodged with the court. (6) In this regulation— (a) references to “applicant” include “claimant” or “pursuer”, and references to “respondent” include “defendant” or “defender”; (b) “MIB” means the Motor Insurers’ Bureau (a company limited by guarantee and incorporated under the Companies Act 1929 on 14th June 1946). PART 2 Amendment of primary legislation Amendment of the Road Traffic Act 1988 2. In section 145 of the Road Traffic Act 1988(a) (requirements in respect of policies of insurance), in subsection (3)— (a) in paragraph (aa) for “another” substitute “a”; (b) in paragraph (b)— (i) for “other than Great Britain and Gibraltar” substitute “of Northern Ireland and”; (ii) in sub-paragraph (i) for “of the State in whose territory” substitute “applicable in the territory in which”. PART 3 Amendment of subordinate legislation Amendment of the Motor Vehicles (Compulsory Insurance) (No. 2) Regulations 1973 3.—(1) The Motor Vehicles (Compulsory Insurance) (No. 2) Regulations 1973(b) are amended as follows. (2) In regulation 5(1) for “other than Great Britain and Gibraltar” substitute “of Northern Ireland or”. (3) In regulation 6(1)— (a) after “other than” insert “Northern Ireland or”; (b) for the words from “the territory in” to the end substitute “Great Britain, in accordance with the requirements on compulsory insurance against civil liability in respect of the use of vehicles in Part VI of the Road Traffic Act 1988.”. (4) In regulation 7(3)(c)— (a) after “a place not in” insert “Northern Ireland or”; (b) omit “other than Gibraltar”. (5) In regulation 8 omit “other than the United Kingdom and Gibraltar”. (a) 1988 c. 52; section 145(3) was amended by S.I. 1992/3036, 2000/726 and 2011/1043. (b) S.I. 1973/2143, relevant amending instruments are S.I. 1974/791, 2011/1043, 2012/1809.

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    PDF p. 3 · limba originalului: en

    3 Amendment of the Motor Vehicles (Compulsory Insurance) (Information Centre and Compensation Body) Regulations 2003 4.—(1) Subject to regulation 1(4), the 2003 Regulations are amended as follows. (2) In regulation 2(1)— (a) omit the following definitions— (i) claims representative; (ii) compensation body; (iii) foreign compensation body; (iv) MIB; (v) second motor insurance directive; (b) in the definitions of “European insurance policy” and “foreign information centre” omit “other than the United Kingdom”. (3) In regulation 3— (a) for paragraph (1) substitute— “(1) MIIC is the information centre for the United Kingdom.”; (b) omit paragraph (6). (4) In regulation 4— (a) in paragraph (b)— (i) at the end of sub-paragraph (iii) insert “and”; (ii) omit sub-paragraph (iv); (b) in paragraph (c) for “derogation provided in Article 4(a) of the first motor insurance directive” substitute “exception in section 144(2) of the Road Traffic Act 1988 or in paragraph (2)(a) or (aa) or paragraph (2A) of Article 90 of the Road Traffic (Northern Ireland) Order 1981”; (c) in paragraph (d) omit the words from “(in” to “applicable)”. (5) For regulation 7(1) substitute— “(1) Every person who takes advantage of an exception in section 144(2) of the Road Traffic Act 1988 or in paragraph (2)(a) or (aa) or paragraph (2A) Article 90 of the Road Traffic (Northern Ireland) Order 1981 to— (a) use a motor vehicle on a road or other public place without there being in force in relation to the use of the vehicle by that person a UK insurance policy; or (b) cause or permit any other person to use a motor vehicle on a road or other public place without there being in force in relation to the use of the vehicle by that person a UK insurance policy, shall maintain a record of the information set out in Part 3 of the Schedule for the period specified in regulation 3(3).”. (6) In regulation 9— (a) in paragraph (1)— (i) in sub-paragraph (b)(i) omit “other than the United Kingdom”; (ii) omit sub-paragraph (c). (b) in paragraph (4)— (i) at the end of sub-paragraph (b) insert “and”; (ii) omit sub-paragraph (c); (iii) in sub-paragraph (d) omit “other than the United Kingdom”. (7) Omit regulations 10 to 16.

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    PDF p. 4 · limba originalului: en

    4 (8) In Part 3 of the Schedule— (a) for the heading substitute— “Information to be Recorded by Users Taking Advantage of an Exception from the Requirement to hold Compulsory Third Party Motor Insurance”; (b) for “Article 4(a) of the first motor insurance directive” substitute “section 144(2) of the Road Traffic Act 1988 or paragraph (2)(a) or (aa) or paragraph (2A) of Article 90 of the Road Traffic (Northern Ireland) Order 1981”; (c) in sub-paragraph (b) for “derogation” substitute “exception”. PART 4 Amendment of Northern Ireland Orders in Council Amendment of the Road Traffic (Northern Ireland) Order 1981 5. In Article 92 of the Road Traffic (Northern Ireland) Order 1981(a) (requirements in respect of policies), in paragraph (1)— (a) in sub-paragraph (bb) for “another” substitute “a”; (b) in sub-paragraph (c)— (i) for “other than Northern Ireland and Gibraltar” substitute “of Great Britain and”; (ii) in head (i) for “, of the State in whose territory” substitute “applicable in the territory in which”. PART 5 Amendment of Northern Ireland subordinate legislation Amendment of the European Communities (Motor Vehicles: Compulsory Insurance) (Northern Ireland) Regulations 1973 6.—(1) The European Communities (Motor Vehicles: Compulsory Insurance) (Northern Ireland) Regulations 1973(b) are amended as follows. (2) In regulation 5(1) for “other than Northern Ireland and Gibraltar” substitute “of Great Britain or”. (3) In regulation 6(1)— (a) after “other than” insert “Great Britain or”; (b) for the words from “the territory in” to the end substitute “Northern Ireland, in accordance with the requirements on compulsory insurance against civil liability in respect of the use of vehicles in Part VIII of the Road Traffic (Northern Ireland) Order 1981.”. (a) S.I. 1981/154 (N.I. 1); Article 92(1) was amended by S.R. 1993 No. 57; there are other amending instruments but none is relevant. (b) S.R. & O. (NI) 1973 No. 448, amended by S.R. 1974 No. 206; there are other amending instruments but none is relevant.

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    Sursa 15: The Motor Vehicles (Compulsory Insurance and Rights Against Insurers) (Amendment) (EU Exit) Regulations 2020, SI2020/945Normă · SI 2020/945, reg. 1(2) și reg. 2, PDF 1 · forma din 2 septembrie 2020Textul oficial ↗Explicația noastră a actului →

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    PDF p. 1

    S T A T U T O R Y I N S T R U M E N T S 2020 No. 945 EXITING THE EUROPEAN UNION ROAD TRAFFIC The Motor Vehicles (Compulsory Insurance and Rights Against Insurers) (Amendment) (EU Exit) Regulations 2020 Sift requirements satisfied 14th July 2020 Made - - - - 2nd September 2020 Laid before Parliament 7th September 2020 Coming into force in accordance with regulation 1 The Secretary of State makes these Regulations in exercise of the powers conferred by section 8(1) of, and paragraph 21 of Schedule 7 to, the European Union (Withdrawal) Act 2018(a). The requirements of paragraph 3(2) of Schedule 7 to that Act (relating to the appropriate Parliamentary procedure for these Regulations) have been satisfied. Citation and commencement 1.—(1) These Regulations may be cited as the Motor Vehicles (Compulsory Insurance and Rights Against Insurers) (Amendment) (EU Exit) Regulations 2020. (2) Subject to paragraph (3), these Regulations come into force immediately before IP completion day. (3) Regulation 3 comes into force on IP completion day(b). Amendment of the Motor Vehicles (Compulsory Insurance) (Amendment etc.) (EU Exit) Regulations 2019 2. In regulation 1(4) of the Motor Vehicles (Compulsory Insurance) (Amendment etc.) (EU Exit) Regulations 2019(c), for “exit day” substitute “IP completion day”. (a) 2018 c. 16; section 8 was amended by section 27 of the European Union (Withdrawal agreement) Act 2020 (c. 1) (the “2020 Act”) and paragraph 21 of Schedule 7 was amended by section 41 and Schedule 5, Part 2, paragraph 53 of the 2020 Act. (b) “IP completion day” is defined in section 1A of the European Union (Withdrawal) Act 2018 (c. 16). Section 1A was inserted by section 1 of the 2020 Act. (c) S.I. 2019/551.

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    Sursa 16: Changes in cross-border road traffic to/from Russia and BelarusGhid oficial · Changes to cross-border road traffic to/from Russia and Belarus: efectele de la1 iunie și30 iunie 2023Textul oficial ↗Explicația noastră a actului →

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    Corpul paginii — extras 1 · limba originalului: en

    0 The bilateral agreements between the Green Card Bureau of Russia and the Green Card Bureau of Belarus on the one hand, and the Green Card Bureaux of the EEA countries, Switzerland and the UK on the other hand were terminated in 2022. Following the transition period, the termination of the bilateral agreements has taken effect on 1 June 2023. The COB 2023 General Assembly decided to suspend the membership of the Green Card Bureau of Russia and the membership of the Green Card Bureau of Belarus, as of 30 June 2023 for an undetermined period of time. What are the consequences of the termination of bilateral agreements and the suspensions in the cross border road traffic? As of 1 June 2023 cross border traffic between Russia and Belarus and the EEA countries, Switzerland and the UK is subject to frontier insurance. As of 30 June 2023, the cross border traffic between Russia and Belarus and the remaining non-EEA countries (AL, AND, AZ, BIH, IR, MD, MNE, MA, MK, SRB, TN, TR as well as Russia and Belarus respectively) can be subject to frontier insurance. July 2023

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    Sursa 17: Changes in cross-border road traffic to/from IranGhid oficial · Changes to cross-border road traffic to/from Iran: suspendare și neacceptarea documentelor de la1 ianuarie 2024 · forma din 28 decembrie 2023Textul oficial ↗Explicația noastră a actului →

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    Corpul paginii — extras 1 · limba originalului: en

    0 The membership of the Green Card Bureau of Iran will be suspended as of 1 January 2024 for an undetermined period. No Green Cards issued in Iran, or covering for the territory of Iran will be acceptable as of 1 January 2024. As of 1 January 2024 cross border traffic between Iran and all other member countries of COB, including EEA and non-EEA countries, will be subject to frontier insurance. 28 December 2023

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18. 18
    Sursa 18: Green Card system — mecanism, membri, corespondent și Acord multilateralGhid oficial · The correspondent; The Multilateral AgreementTextul oficial ↗Explicația noastră a actului →

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    Corpul paginii — extras 1 · limba originalului: en

    Cross-border road traffic accidents in the victim’s country of residence 1 What is the Green Card system? What is the Green Card system? What is the Green Card system? The Green Card system is a protection mechanism for victims of cross-border road traffic accidents caused by foreign vehicles. It facilitates the flow of cross-border road traffic in Europe and ensures the compensation of victims of accidents caused by foreign motorists by guaranteeing sufficient third party liability to the latter. The system consists of 47 member countries represented by 43 Green Card Bureaux. The Green Card system is conditioned upon the existence of: A Green Card Bureau – established in each participating country A valid Green Card – issued by a Green Card Bureau of one of the participating countries AIM OF THE SYSTEM = To enable a vehicle from country A to circulate in country B while being covered by the original MTPL insurance subscribed in country A 1 History History History The system was founded in 1949, stimulated by the United Nations Economic Commission for Europe and on the basis of Recommendation No. 5 adopted by the Working Party on Road Transport of the Inland Transport Committee. The initial twofold objective of the system was to facilitate: The crossing of borders = Motorists are released from the obligation of taking out a national insurance contract at the border of the 47 member countries if possessing a Green Card. The claims settlement = Victims of cross-border road traffic accidents should properly be compensated and not be prejudiced by the fact that the accident was caused by a foreign vehicle. 1 Members Members Members The Green Card system consists of 43 Green Card Bureaux representing about 1500 motor insurers in 47 countries in Europe, North Africa and the Middle East. The Member Bureaux are: List of Member Countries A - Austria (since 1954) AL - Albania (since 1992) AND - Andorra (since 1996) AZ - Azerbaijan (since 2016) B - Belgium (since 1949) BG - Bulgaria (since 1971) BIH - Bosnia and Herzegovina (since 1996) BY - Belarus (since 2003 - suspended) CH - Switzerland (since 1949) CY - Cyprus (since 1996) CZ - Czech Republic (since 1949) D - Germany (since 1951) DK - Denmark (since 1949) E - Spain (since 1953) EST - Estonia (since 1992) F - France (since 1949) FIN - Finland (since 1949) GR - Greece (since 1949) H - Hungary (since 1960) HR - Croatia (since 1992) I - Italy (since 1953) IR - Islamic Republic of Iran (since 1976 - suspended) IRL - Ireland (since 1949) IS - Iceland (since 1970) L - Luxembourg (since 1949) LT - Lithuania (since 2003) LV - Latvia (since 1998) M - Malta (since 1985) MA - Morocco (since 1969) MD - Moldova (since 1997) MK - North Macedonia (since 1994) MNE - Montenegro (since 2012) N - Norway (since 1949) NL - Netherlands (since 1949) P - Portugal (since 1953) PL - Poland (since 1958) RO - Romania (since 1965) RUS - Russia (since 2009 - suspended) S - Sweden (since 1949) SK - Slovak Republic (since 1949) SLO - Slovenia (since 1992) SRB - Serbia (since 1954) TN - Tunisia (since 1969) TR - Türkiye (since 1964) UA - Ukraine (since 1997) UK - United Kingdom (since 1949) 0 A Green Card Bureau is an organisation established in each country of the Green Card system, guaranteeing that a victim suffering damage from a road traffic accident caused by a foreign vehicle (from another participating country) will be compensated in the country of the accident. The Bureau of the country of the accident can, subsequently, recover all compensations paid from the Bureau of the country from which the liable vehicle originates. Each Green Card Bureau represents the motor liability insurers of its country. A Green Card Bureau has two functions: As a "Bureau of the country of the accident" (or handling Bureau), it has responsibility for the handling and settlement of claims arising from accidents caused by visiting vehicles. When compensating victims, the handling Bureau will apply the rules of insurance and liability law of the country of the accident.

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    As a Guaranteeing Bureau it guarantees certificates of Motor Insurance, Green Cards, which are issued by its member insurance companies to their policyholders. Green Card Bureaux cooperate on the basis of the Internal Regulations and operate with the recognition and approval of their governments. 1 Geographical scope Geographical scope Geographical scope The geographical scope of the Green Card System extends to: European countries lying to the West of the Ural Mountains and the Caspian Sea Countries bordering the Mediterranean Sea. Apart from the existing members of the Green Card System, the following countries are eligible for future COB Membership: Algeria, Armenia, Egypt, Georgia, Kazakhstan, Lebanon, Libya and Syria. Language = official language(s) of the issuing country +  title of the document in English and French Format = horizontal or vertical (determined by the United Nations Economic Commission for Europe - UNECE) 1 Green Card Green Card Green Card The IMIC (International Motor Insurance Certificate), also known as the Green Card,  is an international certificate of insurance accepted without any obstacle or cost by the authorities of all 47 countries of the Green Card system. A Green Card can be delivered by a Bureau, an insurance undertaking or an insurance intermediary, but it is always issued under the authority of a Green Card Bureau. It certifies that a visiting vehicle has at least the minimum compulsory Motor Third Party Liability Insurance cover as required by the law of the country visited. It provides a guarantee for the visited country that the insurer of the vehicle's country of origin will reimburse the victim's damage in accordance with the rules applicable in the visited country. In this way, the victim of an accident caused by a foreign vehicle is properly compensated for the damage suffered. 1 Correspondents Correspondents Correspondents According to the rules of the Green Card System, the Bureau of the country of the accident is competent to receive and handle claims addressed by victims having suffered an accident caused by a foreign vehicle (originating from another participating country). However, the Green Card System also allows motor insurers to nominate correspondents in other participating countries. This correspondent will then be responsible to handle all claims arising from accidents occurred in the country where the correspondent is nominated and caused by (foreign) vehicles insured by the (foreign) motor insurer that has nominated the correspondent. The correspondent acts in the name of the Green Card Bureau of the country where the correspondent is nominated and for the account of the foreign insurer that has nominated the correspondent. The nomination of correspondents is a possibility for insurers, not an obligation. The Green Card Bureau of the country of the accident will guarantee the quality of the claims handling process by the correspondent and the Bureau continues to bear the final responsibility for the compensation of the damage caused. Each Bureau must establish and publish the conditions under which the Bureau grants, refuses or withdraws the approval of correspondents. In that context the COB agreed on the use by the Bureaux of the 3 following documents: The model for a Correspondents’ Charter, The Handling and Paying Model Agreement , The Rules on Outsourcing. 1 Multilateral Agreement Multilateral Agreement Multilateral Agreement The introduction of the Green Card system was an important contribution to facilitate international traffic.  Nevertheless, showing a document at each border is still time-consuming and creates obstacles to the free movement of persons and goods. For this reason,  encouraged by European initiatives, several Green Card member countries replaced the Green Card by the Multilateral Agreement (MA). Today, 36 of the 47 countries  participating in the Green Card system apply the Multilateral Agreement: The 27 Member States of the European Union;

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    3 additional European countries participating to the European Economic Area: Iceland , Liechtenstein and Norway ; 6 additional countries participating to this system by way of agreement: Andorra , Bosnia and Herzegovina , Montenegro , Serbia , Switzerland and the United Kingdom . The MA Signatory Bureaux recognise each other’s MTPL insurance on the basis of the origin of the vehicle (based on the notion of ‘ territory in which a vehicle is normally based ’, as described in article 1.4 of the Codified Directive)  . Consequently, the Green Card is no longer a required document when crossing the borders for motorists from those countries! NOTE : in some countries, the Green Card is more than only an international proof of insurance. Certain countries have turned the Green Card into a national proof of insurance, on the basis of national legislation. Despite what is explained above, it might therefore still be necessary to have a Green Card, but not for travelling internationally.

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    Sursa 19: Directiva 2009/103/CE — consolidare 23.12.2023, copie EUR-Lex găzduită de IVASSLege · Art21(5) și art. 21(6), PDF 18 · forma din 23 decembrie 2023Textul oficial ↗Explicația noastră a actului →

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    Article 21 · limba originalului: en

    Article 21 Claims representatives 1.   Each Member State shall take all measures necessary to ensure that all insurance undertakings covering the risks classified in class 10 of point A of the Annex to Directive 73/239/EEC, other than carrier’s liability, appoint a claims representative in each Member State other than that in which they have received their official authorisation. The claims representative shall be responsible for handling and settling claims arising from an accident in the cases referred to in Article 20(1). The claims representative shall be resident or established in the Member State where he is appointed. 2.   The choice of its claims representative shall be at the discretion of the insurance undertaking. The Member States may not restrict this freedom of choice. 3.   The claims representative may act for one or more insurance undertakings. 4.   The claims representative shall, in relation to such claims, collect all information necessary in connection with the settlement of the claims and shall take the measures necessary to negotiate a settlement of claims. The requirement of appointing a claims representative shall not preclude the right of the injured party or his insurance undertaking to institute proceedings directly against the person who caused the accident or his insurance undertaking. 5.   Claims representatives shall possess sufficient powers to represent the insurance undertaking in relation to injured parties in the cases referred to in Article 20(1) and to meet their claims in full. They must be capable of examining cases in the official language(s) of the Member State of residence of the injured party. 6.   The appointment of a claims representative shall not in itself constitute the opening of a branch within the meaning of Article 1(b) of Directive 92/49/EEC and the claims representative shall not be regarded as an establishment within the meaning of Article 2(c) of Directive 88/357/EEC or an establishment within the meaning of Regulation (EC) No 44/2001.

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    Sursa 20: Directiva 2009/103/CE — consolidare 23.12.2023, copie EUR-Lex găzduită de IVASSLege · Art22 și art. 24, PDF 18–21 · forma din 23 decembrie 2023Textul oficial ↗Explicația noastră a actului →

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    Art. 22, primul alineat și lit. (a)–(b); PDF p. 18 · limba originalului: en

    The Member States shall create a duty, backed by appropriate, effective and systematic financial or equivalent administrative penalties, whereby, within three months of the date when the injured party presented his claim for compensation either directly to the insurance undertaking of the person who caused the accident or to its claims representative, (a) the insurance undertaking of the person who caused the accident or its claims representative is required to make a reasoned offer of compensation in cases where liability is not contested and the damages have been quantified; or (b) the insurance undertaking to whom the claim for compensation has been addressed or its claims representative is required to provide a reasoned reply to the points made in the claim in cases where liability is denied or has not been clearly determined or the damages have not been fully quantified.

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    Article 24 · limba originalului: en

    Article 24 Compensation bodies 1.   Each Member State shall establish or approve a compensation body responsible for providing compensation to injured parties in the cases referred to in Article 20(1). Such injured parties may present a claim to the compensation body in their Member State of residence: (a)  if, within three months of the date when the injured party presented his claim for compensation to the insurance undertaking of the vehicle the use of which caused the accident or to its claims representative, the insurance undertaking or its claims representative has not provided a reasoned reply to the points made in the claim; or (b)  if the insurance undertaking has failed to appoint a claims representative in the Member State of residence of the injured party in accordance with Article 20(1); in such a case, injured parties may not present a claim to the compensation body if they have presented a claim for compensation directly to the insurance undertaking of the vehicle the use of which caused the accident and if they have received a reasoned reply within three months of presenting the claim. Injured parties may not however present a claim to the compensation body if they have taken legal action directly against the insurance undertaking. The compensation body shall take action within two months of the date when the injured party presents a claim for compensation to it but shall terminate its action if the insurance undertaking, or its claims representative, subsequently makes a reasoned reply to the claim. The compensation body shall immediately inform: (a)  the insurance undertaking of the vehicle the use of which caused the accident or the claims representative; (b)  the compensation body in the Member State in which the insurance undertaking which issued the policy is established; (c)  if known, the person who caused the accident; that it has received a claim from the injured party and that it will respond to that claim within two months of the presentation of that claim. This provision shall be without prejudice to the right of the Member States to regard compensation by that body as subsidiary or non-subsidiary and the right to make provision for the settlement of claims between that body and the person or persons who caused the accident and other insurance undertakings or social security bodies required to compensate the injured party in respect of the same accident. However, Member States may not allow the body to make the payment of compensation subject to any conditions other than those laid down in this Directive, in particular the injured party’s establishing in any way that the person liable is unable or refuses to pay. 2.   The compensation body which has compensated the injured party in his Member State of residence shall be entitled to claim reimbursement of the sum paid by way of compensation from the compensation body in the Member State in which the insurance undertaking which issued the policy is established. The latter body shall be subrogated to the injured party in his rights against the person who caused the accident or his insurance undertaking in so far as the compensation body in the Member State of residence of the injured party has provided compensation for the loss or injury suffered. Each Member State shall be obliged to acknowledge this subrogation as provided for by any other Member State. 3.   This Article shall take effect: (a)  after an agreement has been concluded between the compensation bodies established or approved by the Member States relating to their functions and obligations and the procedures for reimbursement; (b)  from the date fixed by the Commission upon its having ascertained in close cooperation with the Member States that such an agreement has been concluded.

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    Sursa 21: Legea nr. 132/2017 privind asigurarea obligatorie de răspundere civilă autoLege · Legea 132/2017, art35(1)(a) · forma din 13 decembrie 2025Textul oficial ↗Explicația noastră a actului →

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    Art. 35

    Articolul 35 Atribuții ale BAAR în calitate de organism de compensare(1) În calitate de organism de compensare BAAR intervine în următoarele situații:a) dacă în termen de 3 luni de la data la care a adresat o cerere de despăgubire persoana rezidentă în România care a suferit un prejudiciu cauzat de un accident de vehicule produs pe teritoriul unui stat situat în limitele teritoriale de aplicare, cu excepția României, sau pe teritoriul unui stat terț al cărui birou național a aderat la sistemul Carte Verde, prin intermediul unui vehicul care staționează în mod obișnuit pe teritoriul unui stat membru al Spațiului Economic European, cu excepția României, nu a fost despăgubită sau nu a primit un răspuns motivat de la asigurătorul RCA al vehiculului respectiv sau de la reprezentantul de despăgubiri al asigurătorului RCA în România; b) dacă asigurătorul RCA nu și-a desemnat un reprezentant de despăgubire pe teritoriul României; c) dacă în termen de două luni de la data producerii accidentului asigurătorul RCA nu poate fi identificat. (2) BAAR, ca organism de compensare, nu are calitate procesuală pasivă sau de parte responsabilă civilmente în raport cu persoanele prejudiciate în urma producerii accidentelor de vehicule.(3) Persoanele juridice care s-au subrogat în drepturile persoanelor păgubite prin accidente produse în condițiile prevăzute la alin. (1) lit. a) nu pot să depună cereri de despăgubire la BAAR.

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    Sursa 22: Norma ASF nr.26 din 6 septembrie 2021 — activitatea asigurătorilor din state terțe prin sucursaleNormă · Norma 26/2021, copiaASF29.11.2024, art10(2), PDF22–23 · forma din 29 noiembrie 2024Textul oficial ↗Explicația noastră a actului →

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    PDF p. 22

    22 (7) Denunţarea contractelor conform alin. (6) se poate face prin informarea asigurătorilor în scris sau prin utilizarea mijloacelor de comunicare care permit denunţarea contractului, conform condiţiilor contractuale şi clauzelor de reînnoire automată; contractele în cauză continuă să producă efecte până la data primei scadenţe de plată a primei de asigurare ulterioare retragerii statului membru din Uniunea Europeană. (8) În perioada de lichidare voluntară a portofoliului, A.S.F. continuă să exercite competenţele de supraveghetor din stat membru gazdă prevăzute la art. 14 din Legea nr. 237/2015. (9) În cazul în care optează pentru aplicarea prevederilor alin. (2) lit. b), asigurătorii prevăzuţi la alin. (1): a) încetează desfăşurarea operaţiunilor prevăzute la alin. (4); b) respectă prevederile art. 117 din Legea nr. 237/2015 şi reglementările A.S.F. referitoare la transferul de portofoliu. (10) Transferul de portofoliu prevăzut la alin. (2) lit. b) se realizează până la data la care statului în care asigurătorii au sediul central nu i se mai aplică legislaţia Uniunii Europene şi nici statul respectiv nu mai aplică legislaţia menţionată. (11) În cazuri documentate, transferul de portofoliu prevăzut la alin. (2) lit. b) se poate finaliza în maximum un an de la data prevăzută la alin. (10). (12) A.S.F. radiază asigurătorii prevăzuţi la alin. (1) din evidenţele proprii în data menţionată la alin. (11). ARTICOLUL 10. Prevederi finale (1) Asigurătorilor din statele terţe li se aplică în mod corespunzător prevederile reglementărilor emise de A.S.F. referitoare la: a) guvernanţă; b) conduită; c) distribuţia de asigurări; d) asigurarea de răspundere civilă auto pentru utilizarea vehiculelor auto terestre, exclusiv răspunderea transportatorului; e) raportările suplimentare prevăzute în Norma A.S.F. nr. 21/2016 privind raportările referitoare la activitatea de asigurare şi/sau de reasigurare, cu modificările şi completările ulterioare, inclusiv la termenele de transmitere a acestora, cu excepţia raportărilor privind: (i) angajaţii şi persoanele cu contract de mandat; (ii) tranzacţiile intragrup; (iii) structura acţionariatului asigurătorilor din statele terţe; (iv) situaţia activităţii desfăşurate pe teritoriul altor state; (v) situaţia modificării capitalurilor proprii pentru activitatea de asigurări generale, asigurări de viaţă şi activitatea de administrare a fondurilor de pensii facultative. (2) Persoanele fizice şi juridice rezidente în statele terţe pot beneficia de garanţia BAAR în condiţiile prevăzute la art. 33 alin. (1) şi (2) din Legea nr. 132/2017 privind asigurarea obligatorie de răspundere civilă auto pentru

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    23 prejudicii produse terţilor prin accidente de vehicule şi tramvaie numai în baza unor acorduri de reciprocitate încheiate de BAAR cu organismele similare din statele respective. (3) În procesul de supraveghere, A.S.F. poate încheia acorduri de cooperare cu autorităţile competente din statele terţe în temeiul art. 12 alin. (2) din Legea nr. 237/2015, având în vedere şi deciziile emise de autorităţile europene de declarare a echivalenţei regimului de supraveghere din statele terţe, inclusiv cu supraveghetori din statele membre care se retrag din Uniunea Europeană. (4) În cazul retragerii statelor membre din Uniunea Europeană, acordurile prevăzute la alin. (3) prevăd realizarea unui schimb de informaţii, având în vedere principiul proporţionalităţii în ceea ce priveşte: a) natura, amploarea şi complexitatea activităţii asigurătorilor din statele respective în România; b) măsurile din planul de lichidare voluntară a portofoliului transmis A.S.F. în documentaţia prevăzută în anexa nr. 3; c) măsurile de supraveghere adoptate sau, dacă este cazul, avute în vedere; d) problemele de prudenţialitate, conduită sau solvabilitate identificate cu privire la asigurători din statele respective. (5) Asigurătorii din Regatul Unit al Marii Britanii şi al Irlandei de Nord care au în vigoare contracte de asigurare: a) respectă prevederile art. 3 alin. (9); b) pot continua să administreze contractele de asigurări conform art. 3 alin. (10); c) transmit semestrial A.S.F. un raport referitor la situaţia contractelor. (6) În cazul în care EIOPA instituie o platformă de colaborare pentru a facilita schimbul de informaţii dintre supraveghetorii din statele membre şi cei din statele membre care se retrag din Uniunea Europeană, A.S.F. colaborează cu supraveghetorii menţionaţi prin intermediul platformei respective. (7) În procesul de supraveghere, A.S.F. evaluează adecvarea resurselor financiare ale asigurătorilor din statele terţe şi capacitatea acestora de a preveni situaţiile de dificultate. (8) Dacă nu se prevede altfel, toate codurile de referinţă din formulare şi instrucţiuni se referă la formularele sau instrucţiunile care cuprind coduri de referinţă identice, prevăzute în Regulamentul 2015/2.450. (9) Prezenta normă pune în aplicare recomandările din Ghidul BoS 15/110 privind supravegherea sucursalelor întreprinderilor de asigurare din ţările terţe al Autorităţii Europene de Supraveghere pentru Asigurări şi Pensii Ocupaţionale. (10) Următoarele anexe*) fac parte integrantă din prezenta normă: *) Anexele nr. 1-10 se publică în Monitorul Oficial al României, Partea I, nr. 892 bis.

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    Sursa 23: BAAR — Accident în străinătateGhid oficial · Accident în străinătate: alternativa biroului național din statul accidentului, cu excepția vehiculului înmatriculat în acel statTextul oficial ↗Explicația noastră a actului →

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    Accident in strainatate Daca ați fost implicat intr-un accident care a avut loc in una din tarile din aceasta lista , prin intermediul unui vehicul înmatriculat in una din tarile SEE ( vezi lista tarilor SEE ), în vederea identificării reprezentantului de despăgubiri pe teritoriul României, trimiteți la adresa de e-mail infocentre@baar.ro următoarele informații: • dată accident • țară accident • număr de înmatriculare și tara de înmatriculare autovehiculul advers • nume asigurător autovehiculului advers în măsura în care se cunoaște După primirea informațiilor menționate mai sus, veți fi informați cu privire la datele de contact ale reprezentantului de despăgubiri pe teritoriul României al asigurătorului străin în vederea deschiderii dosarului de daună. De asemenea, pentru obtinerea informatiei cu privire la reprezentantul de despagubiri de pe teritoriul Romaniei, ne puteți contacta si la numărul de telefon +4 0311 300 800 Nota: In aceste situații, aveți posibilitatea sa va adresați pentru despăgubire si biroului national din tara in care s-a produs accidentul (vezi date de contact Birouri Naționale ), cu excepția cazului in care vehiculul era înmatriculat in tara producerii accidentului. In situația in care este necesara intervenția BAAR in calitate de Organism de Compensare, veți regăsi detalii si informații AICI . Statele SEE . Acceseaza Date de contact birouri nationale Acceseaza Listă tari Acceseaza

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    Sursa 24: MIB — Driving abroadGhid oficial · At the scene: identitatea șoferului, înmatricularea, asigurarea, fotografii, martoriTextul oficial ↗Explicația noastră a actului →

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    Corpul paginii — extras 1 · limba originalului: en

    Insurance and accident advice for driving abroad Make sure you’re properly insured to drive abroad and know what to do if you’re involved in an accident or collision while you’re away. Driving abroad: what you need to know Driving in other countries can be a great experience, but rules and insurance requirements vary from country to country. Before you travel, it’s important to understand what level of insurance cover you have, what proof of insurance you may need, and whether additional cover is required. A few simple checks can help you avoid unexpected issues and make sure you’re legally covered wherever you drive. What is a Green Card for driving? The Green Card system , co-ordinated by COB , is an international initiative with 50 member countries that aims to protect road users by making sure that victims of accidents caused by foreign vehicles receive fair compensation. It does this through the use of a Green Card, which is a document that proves your vehicle has valid motor insurance when driving in member countries. A Green Card shows that your insurer will provide you, at minimum, with the level of insurance cover required by law in the country you’re visiting. This is usually part of your UK-based insurance policy and does not cost you anything extra. The minimum insurance cover required by law is usually on a third-party basis. Third-party only covers damage you’ve caused to other people or vehicles if you’re the driver at fault. If you’re planning to drive abroad, we’d recommend you check this with your insurer and pay for additional cover before you go if you feel you need it. Do you need a Green Card to drive abroad? A Green Card is only relevant when you are driving a UK, British Crown Dependencies or Gibraltar-registered car abroad. The Green Card system is split into two categories. Free circulation zone You don’t need to carry or display a Green Card if you’re driving within the free circulation zone. Your UK motor insurance automatically provides the minimum level of cover needed. Countries included in the free circulation zone: All countries within the European Economic Area (EEA) UK, British Crown Dependencies and Gibraltar Andorra Bosnia and Herzegovina Montenegro Serbia Switzerland If you’re planning to drive in these countries, it’s advisable to contact your insurer to arrange comprehensive insurance cover so that costs for theft or damage to your own vehicle and personal injury are included, should you have an accident. Proof of Green Card needed Some countries do require a Green Card to be shown as proof of motor insurance. You’ll need to request this from your insurer before you travel. They are usually issued digitally and can be shown on your phone. Countries that require proof of a Green Card: Albania Azerbaijan Moldova North Macedonia Tunisia Turkey Ukraine When you request a Green Card, make sure to check the level of insurance cover. Consider upgrading to comprehensive insurance for the duration of your time abroad. We always recommend you carry a printed copy of your Green Card with you just in case. What if my insurer won't issue a Green Card? In some cases, your UK insurer may decline your request to cover your travel to one of the countries that require proof of a Green Card. If this happens, you’ll need to pay a different insurer who is willing to cover you for the duration of time you are spending in that country. This temporary policy will just run alongside your usual UK insurance, starting as you enter the specific country and ending when you leave again. Driving in countries outside the Green Card system If you’re planning to drive your own car in countries that aren’t part of the Green Card system, you’ll need to purchase local insurance at the border. This is known as frontier insurance and provides country-specific cover for your trip.

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    You’re no longer covered by your usual insurer under these circumstances, which means that any accidents in these countries will need to be resolved through the frontier insurance company that issued you with the policy. Green Card system members change from time-to-time. It’s worth checking the status of the country you are travelling to if it’s outside of the EEA. COB , the organisation that co-ordinates the Green Card system, have an interactive map that shows the live status of every country. View the COB map What happens if you have an accident abroad? At the scene Collect as many details as you can Whether you’re in a vehicle, on a bike, or a pedestrian, you’ll need to collect as many details as you can about the other vehicle involved in the accident. You should do this no matter who is at fault. Make sure you get: Name and address Vehicle registration plate, make and model Insurance and/or Green Card information Photos of both vehicles and the surrounding area Witness contact details What to do next Report it to the police Either you or the other driver should report the accident to the police. It may even be helpful for your insurance claim if you can get a copy of the police report. What to do next Contact your insurer If the accident involved a vehicle that you were driving, the next step is to contact your insurer. They’ll be able to give you guidance on what to do next. Standard accident form In many European countries, drivers use a standard accident form called a ‘Constat Amiable’. This form helps the driver to record what happened in the accident using simple diagrams and details from both drivers. Insurers will use this to decide who was responsible for the accident. The form has space for a signature at the bottom, but you should think carefully before signing. Only sign it if you fully understand what it says and if you agree with all of the information written. Signing a form with inaccurate information could cause issues for your insurance claim. You are not obligated to sign the form, even if the other driver wants you to. Locating a foreign driver Struggling to get a driver’s details after an accident abroad? The UK Information Centre run by MIB may be able to help you with finding the insurance details of the foreign vehicle involved. You can contact us via email at UKICInfoCentre@mib.org.uk . Did you know? Accidents involving lorries European heavy goods vehicles (HGVs) have different registration numbers on the cab and the trailer If you have an accident with a lorry, you’ll need to make sure you get the insurance policy information for the cab (sometimes called the tractor unit). Frequently asked questions about driving abroad or having an accident with a foreign vehicle Do I need a Green Card to drive abroad? A Green Card is a document that acts as proof of insurance for the vehicle you’re driving abroad. If you’re driving in what is known as the free circulation zone, then you won’t need physical proof of a Green Card. If you’re driving beyond the free circulation zone, you may need to request a Green Card from your usual insurer. This is only necessary for the following countries: Albania Azerbaijan Moldova North Macedonia Tunisia Turkey Ukraine If you’re driving outside of the Green Card system entirely, you’ll need to buy frontier insurance at the border of the country you’re visiting. Examples include Algeria, Egypt and Syria. This also applies to countries that are suspended from the Green Card system. The Green Card system does not apply to locally hired cars in the country you are visiting. What happens if I don’t have a Green Card for the country I want to drive in? You can drive across most of Europe without needing to show a Green Card at the border. However, there are seven member countries that do require physical proof of motor insurance: Albania Azerbaijan Moldova North Macedonia Tunisia Turkey Ukraine

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    If you arrive at the border of a country where a Green Card is required and you don’t have one, you may be refused entry or be required to buy frontier insurance at the border which can be more expensive. Always check requirements before travelling. I’ve been in a vehicle accident abroad – what do I do now? You’ll need to exchange insurance policy and personal details, take photos of the vehicles involved, and contact your insurer as soon as you can. If the other driver is at fault, you’re struggling to get their details, or they’ve left the accident scene, you can contact MIB for guidance on next steps.

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    Sursa 25: Directiva 2009/103/CE — consolidare 23.12.2023, copie EUR-Lex găzduită de IVASSLege · Art20(1)–(2), PDF 17–18 · forma din 23 decembrie 2023Textul oficial ↗Explicația noastră a actului →

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    Article 20 · limba originalului: en

    Article 20 Special provisions concerning compensation for injured parties following an accident in a Member State other than that of their residence 1.   The object of Articles 20 to 26 is to lay down special provisions applicable to injured parties entitled to compensation in respect of any loss or injury resulting from accidents occurring in a Member State other than the Member State of residence of the injured party which are caused by the use of vehicles insured and normally based in a Member State. Without prejudice to the legislation of third countries on civil liability and private international law, these provisions shall also apply to injured parties resident in a Member State and entitled to compensation in respect of any loss or injury resulting from accidents occurring in third countries whose national insurer’s bureaux have joined the green card system whenever such accidents are caused by the use of vehicles insured and normally based in a Member State. 2.   Articles 21 and 24 shall apply only in the case of accidents caused by the use of a vehicle: (a)  insured through an establishment in a Member State other than the State of residence of the injured party; and (b)  normally based in a Member State other than the State of residence of the injured party.

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    Sursa 26: Directiva 2009/103/CE — consolidare 23.12.2023, copie EUR-Lex găzduită de IVASSLege · Art21(4)–(5), PDF 18 · forma din 23 decembrie 2023Textul oficial ↗Explicația noastră a actului →

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    Article 21 · limba originalului: en

    Article 21 Claims representatives 1.   Each Member State shall take all measures necessary to ensure that all insurance undertakings covering the risks classified in class 10 of point A of the Annex to Directive 73/239/EEC, other than carrier’s liability, appoint a claims representative in each Member State other than that in which they have received their official authorisation. The claims representative shall be responsible for handling and settling claims arising from an accident in the cases referred to in Article 20(1). The claims representative shall be resident or established in the Member State where he is appointed. 2.   The choice of its claims representative shall be at the discretion of the insurance undertaking. The Member States may not restrict this freedom of choice. 3.   The claims representative may act for one or more insurance undertakings. 4.   The claims representative shall, in relation to such claims, collect all information necessary in connection with the settlement of the claims and shall take the measures necessary to negotiate a settlement of claims. The requirement of appointing a claims representative shall not preclude the right of the injured party or his insurance undertaking to institute proceedings directly against the person who caused the accident or his insurance undertaking. 5.   Claims representatives shall possess sufficient powers to represent the insurance undertaking in relation to injured parties in the cases referred to in Article 20(1) and to meet their claims in full. They must be capable of examining cases in the official language(s) of the Member State of residence of the injured party. 6.   The appointment of a claims representative shall not in itself constitute the opening of a branch within the meaning of Article 1(b) of Directive 92/49/EEC and the claims representative shall not be regarded as an establishment within the meaning of Article 2(c) of Directive 88/357/EEC or an establishment within the meaning of Regulation (EC) No 44/2001.

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    Sursa 27: Legea nr. 132/2017 privind asigurarea obligatorie de răspundere civilă autoLege · Legea 132/2017, art33(1)–(2) · forma din 13 decembrie 2025Textul oficial ↗Explicația noastră a actului →

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    Art. 33

    Articolul 33 Atribuții ale BAAR în calitate de organism de plată a despăgubirilor(1) În calitate de organism de plată a despăgubirilor, BAAR garantează fără a avea beneficiu de discuțiune despăgubirea persoanelor prejudiciate, rezidenți ai statelor membre, prin accidente produse pe teritoriul României sau pe teritoriul unui alt stat membru decât statul lor de rezidență, prin intermediul unor vehicule sau tramvaie care staționează în mod obișnuit pe teritoriul României sau pe teritoriul unui stat al cărui birou național auto nu a semnat Acordul multilateral, neasigurate RCA cu toate că, în conformitate cu prevederile legii, pentru acestea trebuia încheiată asigurarea RCA sau prin intermediul unor vehicule neidentificate, în următoarele condiții:a) dacă vehiculul sau tramvaiul a fost identificat, dar nu era asigurat pentru RCA, se acordă despăgubiri atât pentru daune materiale, cât și pentru vătămarea integrității corporale sau sănătății ori pentru deces; b) dacă vehiculul sau tramvaiul rămâne neidentificat, se acordă despăgubiri pentru vătămarea integrității corporale sau sănătății ori pentru deces; se acordă despăgubiri și pentru daune materiale cu aplicarea unei francize de 500 de euro în echivalent lei la cursul comunicat de Banca Națională a României la data producerii accidentului, dacă în urma unui astfel de accident a rezultat decesul unei persoane sau s-a pricinuit integrității corporale sau sănătății unei persoane o vătămare care necesită pentru vindecare îngrijiri medicale mai mult de 60 de zile; accidentul produs de un vehicul care a rămas neidentificat este accidentul în care respectivul vehicul a intrat în coliziune directă cu persoana accidentată sau cu bunul pe care l-a avariat, după care a părăsit locul accidentului; , Alineatul (1) , Articolul 33 , Capitolul IX a fost modificată de Punctul 13. , Articolul I din LEGEA nr. 181 din 13 noiembrie 2025, publicată în MONITORUL OFICIAL nr. 1049 din 13 noiembrie 2025 ) c) în situația producerii riscului pe perioada suspendării efectelor contractului RCA, în condițiile prezentei legi. , Alineatul (1) , Articolul 33 , Capitolul IX a fost modificată de Punctul 13. , Articolul I din LEGEA nr. 181 din 13 noiembrie 2025, publicată în MONITORUL OFICIAL nr. 1049 din 13 noiembrie 2025 ) (2) BAAR intervine în calitate de organism de plată a despăgubirilor și în cazul accidentelor provocate pe teritoriul României sau pe teritoriul unui alt stat membru, prin intermediul unui vehicul neasigurat pentru RCA, exportat dintr-un alt stat membru în România, dacă accidentul se produce în termen de 30 de zile de la data acceptării exportului.(3) Nu pot beneficia de despăgubiri persoanele care la data producerii accidentului au posibilitatea să își recupereze prejudiciile suferite în baza unei asigurări facultative sau obligatorii ori în baza legii și nici cele care au urcat de bunăvoie în vehiculul condus de către persoana vinovată pentru producerea accidentului, dacă se dovedește că acestea știau că pentru vehiculul respectiv nu era în vigoare un contract RCA.(4) Nicio entitate care a compensat în orice fel persoanele prejudiciate sau a oferit acestora servicii în legătură cu prejudiciile suferite, inclusiv servicii medicale, în baza unor contracte încheiate ori în baza legii, nu are dreptul să solicite de la BAAR recuperarea cheltuielilor efectuate.(5) Cuantumul prejudiciului suferit de persoanele prejudiciate prin accidente de vehicule produse pe teritoriul României, precum și persoanele care pot beneficia de despăgubiri și condițiile de intervenție ale BAAR în calitate de organism de plată a despăgubirilor sunt stabilite în conformitate cu prevederile prezentei legi și ale normelor adoptate în aplicarea acesteia în vigoare în România la data producerii accidentului.(6) Pentru cazurile de daună care sunt soluționate prin intermediul organismelor de compensare sau a fondurilor de garantare din statele de reședință ale persoanelor păgubite sau din statele pe teritoriul cărora sau produs accidentele, cuantumul prejudiciului este stabilit de aceste organisme, în condițiile respectării clauzelor acordului pe care l-au încheiat cu BAAR.(7) BAAR nu poate plăti despăgubiri pentru prejudiciile cauzate într-un singur accident care să depășească limitele de răspundere ale asigurătorului RCA prevăzute de legislația în vigoare la data producerii accidentului în România sau de legislația în vigoare a celorlalte state pe teritoriul cărora s-a produs accidentul, din care va fi dedusă, după caz, franșiza prevăzută prin lege.(8) În toate cazurile în care o persoană se adresează direct BAAR, acesta, pe baza informațiilor primite din partea persoanei prejudiciate, transmite un răspuns motivat cu privire la plata unei despăgubiri.

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