Traduction de «assurance automobile des non-propriétaires » (Français → Anglais) :

– having regard to the Commission report on certain issues relating to Motor Insurance (COM(2007)0207) (the "Commission Report"),

In that context, the Finnish Supreme Court asked the Court of Justice of the European Communities whether Community law precludes national rules which refuse or limit compensation paid by the compulsory motor vehicle insurance on the basis of the passenger's contribution to the occurrence of the damage or injury he suffered, and whether the answer is different where the passenger is the owner of the vehicle.

The European Commission has welcomed the political agreement on the proposed Fifth Motor Insurance Directive reached by the November 27 meeting of the EU's Council of Ministers responsible for competitiveness The proposed Directive would update and improve the provisions of current EU Motor Insurance Directives by making it easier for drivers to get insurance and by upgrading the protection of victims.

These include the changes which update the Motor Insurance Directives many years after their adoption (e.g. revision of the minimum compensation amounts) and the general application of the mechanisms for speedy and efficient settlement of accidents set up by the 4 Motor Directive (e.g. reasoned offer procedure and direct right of action for the victims in any motor accident).

These conditions arise from the fact that the EU system on motor insurance was created on the basis of the pre-existing green card system and from the need that the insurance undertaking wishing to operate cross-border in another Member State participates in the local mechanisms for the coverage of compulsory motor insurance.

the Directive would cover cases where compensation is sought in connection with accidents caused by vehicles registered and insured outside the victim's home Member State; victims of such accidents would have a right of direct action, i.e. the right to make a direct claim for compensation to the third-party-liability insurer of the person responsible for the accident; each insurer providing cover for motor-vehicle third-party liability would have to appoint a claims representative in each Member State in which the insurer is not established; if this condition were not met, authorisation to operate in this class of insurance would not be grante ...[+++]d by the home Member State, in accordance with the rules laid down in the third non-life insurance Directive (Directive 92/49/EEC); each Member State would have to establish a penalty system so as to ensure that the compensation procedure is carried out rapidly; each Member State would have to set up an information centre responsible for dealing with questions relating to identification of the insurer of the vehicle involved in the accident and, more generally, any question concerning motor vehicle insurance; each Member State would have to set up a compensation body for "visiting motorists" who are victims of car accidents.