Progress: Procedure completed
Role | Committee | Rapporteur | Shadows |
---|---|---|---|
Lead | IMCO | CHARANZOVÁ Dita ( Renew) | POSPÍŠIL Jiří ( EPP), PENKOVA Tsvetelina ( S&D), KOLAJA Marcel ( Verts/ALE), BUCHHEIT Markus ( ID), JURZYCA Eugen ( ECR), KONEČNÁ Kateřina ( GUE/NGL) |
Former Responsible Committee | IMCO | ||
Committee Opinion | JURI | ||
Former Committee Opinion | JURI |
Lead committee dossier:
Legal Basis:
RoP 59-p4, TFEU 114
Legal Basis:
RoP 59-p4, TFEU 114Subjects
Events
The European Parliament adopted by 689 votes to 3, with 4 abstentions, a legislative resolution on the proposal for a directive of the European Parliament and of the Council amending Directive 2009/103/EC of the European Parliament and the Council of 16 September 2009 relating to insurance against civil liability in respect of the use of motor vehicles, and the enforcement of the obligation to ensure against such liability.
The European Parliament's position adopted at first reading under the ordinary legislative procedure amends the Commission's proposal as follows:
Subject matter and scope
Under the amending Directive, each Member State should take all appropriate measures to ensure that civil liability in respect of the use of a vehicle normally based in its territory is covered by insurance.
The amended rules should apply to any motor vehicle propelled exclusively by mechanical power on land but not running on rails with: (i) a maximum design speed of more than 25 km/h ; or (ii) a maximum net weight of more than 25 kg and a maximum design speed of more than 14 km/h . Lawn tractors or scooters for people with reduced mobility and electric bicycles would thus be excluded from the insurance obligations.
Vehicles intended exclusively for motorsports would also be excluded from the Directive, provided that the Member State has ensured that the organiser of the activity has taken out other insurance or guarantee measures covering any damage that could affect a third party, including spectators.
Insurance checks
The amending Directive provides that measures taken by Member States must specify the precise purpose of the processing of personal data , indicate the relevant legal basis, meet the applicable security requirements, respect the principles of necessity, proportionality and purpose limitation and set a proportionate data retention period. Personal data should only be kept for as long as necessary for the purpose of processing an insurance check. Thereafter, the data should be completely erased.
Amounts of cover
To ensure the same minimum level of protection for victims, the revised text harmonises the compulsory minimum amounts of cover throughout the EU, without prejudice to any higher guarantees prescribed by Member States:
- for injuries: EUR 6.45 million per accident , irrespective of the number of injured parties, or EUR 1.3 million per injured party; and
- for damage to property: EUR 1.3 million per accident , whatever the number of injured parties.
Compensation bodies
Each Member State should set up or authorise a body responsible for compensating injured parties resident within its territory, at least up to the limits of the insurance obligation, from the moment when the insurance undertaking is subject to bankruptcy proceedings or winding-up proceedings . Member States should take appropriate measures to ensure that the body has sufficient funds available to compensate injured parties when compensation payments are due. They should ensure that the body has all the necessary powers and competences to be able to cooperate in due time with other such bodies in other Member States.
The injured party may submit a claim directly to the body. The body should provide the injured party with a reasoned offer of compensation or a reasoned reply in accordance with the applicable national law within three months of the date on which the injured party made his or her application for compensation. Where compensation is due, the body should pay the compensation to the injured party without undue delay and in any event within three months of the acceptance by the injured party of the reasoned offer of compensation.
Claims-history statement
Insurance undertakings that take into account claims-history statements to determine motor insurance premiums should not discriminate on the basis of nationality or solely on the basis of the previous Member State of residence of the policyholder.
Moreover, insurance undertakings should treat a claims-history statement from another Member State as equal to a domestic claims-history statement and apply to a client from another Member State any discounts that would be available to an otherwise identical domestic client, including those discounts that are required by the Member State's national legislation, such as 'bonus-malus' discounts.
The Commission should adopt implementing acts no later than 19 months after the date of entry into force of the amending Directive to specify, by means of a template , the form and content of the claims-history.
Motor insurance price comparison tools
Member States should be able to choose to certify tools which enable consumers to compare prices, tariffs and coverage between providers of motor insurance which comply with the conditions set out in Directive 2009/103/EC. If duly certified, such tools could be denominated as ‘motor insurance independent price comparison tools’ . Member States should also be able to establish public price comparison tools, operated by a public authority.
Limitation period
In a statement annexed to the legislative resolution, the Commission noted the concerns repeatedly expressed by the European Parliament as regards differences across Member States in relation to limitation periods, i.e. the relevant timespan during which an injured party may address a claim.
The Commission should examine this issue and explore possible remedies to further strengthen the protection of victims, should the evidence show that action at Union level is warranted.
The European Parliament adopted by 562 votes to 36, with 19 abstentions, amendments to the proposal for a directive of the European Parliament and of the Council amending Directive 2009/103/EC of the European Parliament and the Council of 16 September 2009 relating to insurance against civil liability in respect of the use of motor vehicles, and the enforcement of the obligation to ensure against such liability.
The matter was referred back to the committee responsible for interinstitutional negotiations.
As a reminder, the aim of this Directive is to ensure an equal minimum protection of parties injured as a result of traffic accidents across the Union, to ensure their protection in case of insolvency of insurance undertakings and to ensure equal treatment in the authentication of claims-history statements by insurers for potential policy holders crossing internal Union borders.
The main amendments adopted in plenary concern the following issue:
Scope
The proposed Directive shall not cover eBikes, segways and electric scooters since they are smaller and are therefore less likely to cause significant damage to persons or property than others [such as cars or trucks] are, according to Members.
Vehicles intended exclusively for motorsports are also excluded, as they are generally covered by other forms of liability insurance and are not subject to compulsory motor insurance when they are solely used for a competition.
Coverage and checks
Member States shall ensure that when a vehicle is required to hold insurance, the insurance is also valid and covers injured parties in the case of accidents occurring when the vehicle is in traffic and not being used in accordance with its primary function; and outside the use of the vehicle in traffic.
Member States may carry out checks provided that they are not discriminatory, necessary and achieve the end pursued, respect the rights, freedoms and legitimate interests of the person concerned.
When conducting a search in the form of an outgoing request, the national contact point of the Member State carrying out an insurance check shall use a full registration number. Those searches shall ensure the security and protection of data sent.
Amounts of cover
In order to ensure the same minimum level of protection for victims, the proposal harmonises obligatory minimum amounts of cover across the EU, without prejudice to any higher guarantees which member states may prescribe:
- for personal injuries: EUR 6 070 000 per accident, irrespective of the number of victims, or EUR 1 220 000 per victim;
- for damages to property: EUR 1 220 000 per claim, irrespective of the number of victims.
Compensation bodies
In order to simplify and make it as easy as possible for administrations, insurers and injured parties to seek claims redress, Members encouraged Member States to create a single body to cover all the functions of the different compensation bodies included in this Directive.
Where a Member State does not administer these bodies as a single administrative unit, it shall notify the Commission and the other Member States of this fact and the reasons for its decision
Price comparison tool
Member states shall ensure that consumers have access free of charge to at least one independent comparison tool, which enables them to compare and evaluate general prices and tariffs between providers of the compulsory insurance, based on information provided by the consumers. The tool shall be operationally independent of service providers, clearly disclose the identity of its owners and operators and set out clear and objective criteria by which the comparison is based.
In addition, the injured party shall have the right to obtain a copy of the accident report drawn up by the competent authorities in good time.
Limitation period
Member States shall ensure that a limitation period of at least four years applies to actions that relate to compensation for personal injury and damage to property resulting from a cross-border road traffic accident. They shall ensure that where the national law applicable to the claim provides for a limitation period which is longer than four years, such longer limitation period shall apply.
Evaluation and report
No later than five years after the transposition date, the EU Commission must evaluate, amongst other issues, the application of these rules with regard to technological developments, the adequacy of its scope (possible extension to high speed lightweight vehicles, such as eBikes, segways or electric scooters), the encouragement of insurance undertakings to include a bonus-malus system in their insurance contracts, including discounts by way of a “no claims bonus”. That report shall be accompanied by the observations of the Commission and, where appropriate, by a legislative proposal.
The Committee on the Internal Market and Consumer Protection adopted the report by Dita CHARANZOVÁ (ALDE, CZ) on the proposal for a directive of the European Parliament and of the Council amending Directive 2009/103/EC of the European Parliament and the Council of 16 September 2009 relating to insurance against civil liability in respect of the use of motor vehicles, and the enforcement of the obligation to ensure against such liability.
As a reminder, the aim of this Directive is to ensure an equal minimum protection of parties injured as a result of traffic accidents across the Union, to ensure their protection in case of insolvency of insurance undertakings and to ensure equal treatment in the authentication of claims-history statements by insurers for potential policy holders crossing internal Union borders.
The committee recommended that the European Parliament's position adopted at first reading under the ordinary legislative procedure should amend the Commission's proposal as follows.
Definitions
It is proposed that the word ‘victim’ is replaced by ‘injured party’ and ‘victims’ be replaced by ‘injured parties’, throughout the Directive.
Members also proposed to clarify the term ‘use of a vehicle’ which shall mean any use of a vehicle in traffic that is consistent with the vehicle's function as a means of transport at the time of the accident, irrespective of the vehicle's characteristics and irrespective of the terrain on which the motor vehicle is used and of whether it is stationary or in motion.
Scope
The proposed Directive shall not cover eBikes, segways and electric scooters since they are smaller and are therefore less likely to cause significant damage to persons or property than others [such as cars or trucks] are, according to Members.
Vehicles intended exclusively for motorsports are also excluded, as they are generally covered by other forms of liability insurance and are not subject to compulsory motor insurance when they are solely used for a competition.
Amounts of cover
In order to ensure the same minimum level of protection for victims, the proposal harmonises obligatory minimum amounts of cover across the EU, without prejudice to any higher guarantees which member states may prescribe:
- for personal injuries: EUR 6 070 000 per accident, irrespective of the number of victims, or EUR 1 220 000 per victim;
- for damages to property: EUR 1 220 000 per claim, irrespective of the number of victims.
Compensation bodies
In order to simplify and make it as easy as possible for administrations, insurers and injured parties to seek claims redress, Members encouraged Member States to create a single body to cover all the functions of the different compensation bodies included in this Directive.
Where a Member State does not administer these bodies as a single administrative unit, it shall notify the Commission and the other Member States of this fact and the reasons for its decision.
Limitation period
Member States shall ensure that a limitation period of at least four years applies to actions that relate to compensation for personal injury and damage to property resulting from a cross-border road traffic accident. They shall ensure that where the national law applicable to the claim provides for a limitation period which is longer than four years, such longer limitation period shall apply.
Evaluation and report
No later than five years after the transposition date, the EU Commission must evaluate, amongst other issues, the application of these rules with regard to technological developments, the adequacy of its scope (possible extension to high speed lightweight vehicles, such as eBikes, segways or electric scooters), the encouragement of insurance undertakings to include a bonus-malus system in their insurance contracts, including discounts by way of a “no claims bonus”. That report shall be accompanied by the observations of the Commission and, where appropriate, by a legislative proposal.
PURPOSE: to strengthen EU rules on motor insurance to better protect victims of motor vehicle accidents.
PROPOSED ACT: Directive of the European Parliament and of the Council.
ROLE OF THE EUROPEAN PARLIAMENT: the European Parliament decides in accordance with the ordinary legislative procedure and on an equal footing with the Council.
BACKGROUND: the first EU Directive on motor insurance was adopted in 1972, with the dual objectives of protecting victims of motor vehicle accidents (with or without a cross-border element), and facilitating the free movement of motor vehicles between Member States. Five motor insurance Directives since 1972 progressively strengthened the Directive and enhanced its provisions; they were consolidated into Directive 2009/103/EC of the European Parliament and the Council. Motor insurance also has an impact on the free movement of persons, goods and vehicles. It should therefore be a key objective of the Union action in the field of financial services to reinforce and consolidate the internal market for motor insurance.
The evaluation of the functioning of Directive 2009/103/EC concluded that the Directive was working well overall. However, four areas have been identified where targeted amendments would be appropriate: (i) compensation of victims of accidents in cases of insolvency of an insurance undertaking, (ii) minimum obligatory amounts of insurance cover, (iii) checks by Member States on vehicle insurance and (iv) the use of policyholders’ claims history statements by a new insurance undertaking.
IMPACT ASSESSMENT: the impact assessment examined several options for each of the problems identified. The proposed amendments aim at reducing uninsured driving, potentially reducing motor insurance premiums, and at improving the level of protection of victims of motor accidents, potentially benefitting all citizens in the EU. The proposal avoids risking large potential increases of premiums of motor insurance.
CONTENT: the proposed amendment to Directive 2009/103/EC on motor insurance introduces the following changes:
Scope : the proposal clarifies the scope of the Directive in the light of recent judgments of the Court of Justice of the European Union . The Court of Justice of the European Union has clarified that motor vehicles are intended normally to serve as means of transport, irrespective of such vehicle's characteristics, and it has clarified that the use of such vehicles covers any use of a vehicle consistent with its normal function as a means of transport, irrespective of the terrain on which the motor vehicle is used and of whether it is stationary or in motion. Uninsured driving : Member States shall be authorised to carry out insurance checks of vehicles normally based in the territory of another Member State and of vehicles normally based in the territory of a third country entering their territory from the territory of another Member state only if, they are non-discriminatory necessary and proportionate, form part of a general system of checks on the national territory and do not require stopping of the vehicle for the purpose of such a check. Those checks have to be conducted in accordance with the protection of natural persons with regard to the processing of personal data and on the free movement of such data. Minimum level of protection : in order to ensure the same minimum level of protection at EU level for victims of motor vehicle accidents, the proposal harmonises at EU level the minimum levels of compulsory cover for personal injury and material damage, without prejudice to any higher amounts of cover prescribed by the Member States. The Commission may adopt delegated acts to update, every five years, the harmonised minimum amounts of cover for victims in line with inflation. Insolvency of the insurer : each Member State should entrust a body set up for this purpose with the task of providing compensation for material or personal injuries caused by a vehicle insured by an undertaking which is insolvent or where, after a period of three months from the date on which the injured party submitted a claim for compensation, the insurer has not provided a reasoned reply. The injured parties would be compensated by the body in their Member State of residence. That body would be entitled to claim reimbursement from the body in the Member State where the insurance undertaking which produced the contract is established, with the latter assuming ultimate responsibility. Claims history statements : the proposal harmonises the statements relating to successful third party liability claims against the policyholder in the last five years. It ensures non-discriminatory treatment of the claims history by insurance undertakings, irrespective of nationality or previous Member State of residence of a citizen.
Documents
- Commission response to text adopted in plenary: SP(2021)728
- Final act published in Official Journal: Directive 2021/2118
- Final act published in Official Journal: OJ L 430 02.12.2021, p. 0001
- Draft final act: 00060/2021/LEX
- Results of vote in Parliament: Results of vote in Parliament
- Debate in Parliament: Debate in Parliament
- Decision by Parliament, 1st reading: T9-0433/2021
- Approval in committee of the text agreed at 1st reading interinstitutional negotiations: PE695.145
- Approval in committee of the text agreed at 1st reading interinstitutional negotiations: GEDA/A/(2021)002949
- Text agreed during interinstitutional negotiations: PE695.145
- Coreper letter confirming interinstitutional agreement: GEDA/A/(2021)002949
- Decision by Parliament, 1st reading: T8-0110/2019
- Committee report tabled for plenary, 1st reading: A8-0035/2019
- Committee opinion: PE629.601
- Committee draft report: PE629.546
- Economic and Social Committee: opinion, report: CES2875/2018
- Contribution: COM(2018)0336
- Document attached to the procedure: EUR-Lex
- Document attached to the procedure: SWD(2018)0247
- Document attached to the procedure: EUR-Lex
- Document attached to the procedure: SWD(2018)0248
- Legislative proposal published: COM(2018)0336
- Legislative proposal published: EUR-Lex
- Document attached to the procedure: EUR-Lex SWD(2018)0247
- Document attached to the procedure: EUR-Lex SWD(2018)0248
- Economic and Social Committee: opinion, report: CES2875/2018
- Committee draft report: PE629.546
- Committee opinion: PE629.601
- Coreper letter confirming interinstitutional agreement: GEDA/A/(2021)002949
- Text agreed during interinstitutional negotiations: PE695.145
- Draft final act: 00060/2021/LEX
- Commission response to text adopted in plenary: SP(2021)728
- Contribution: COM(2018)0336
Activities
- Dimitrios PAPADIMOULIS
Plenary Speeches (2)
- 2021/10/21 Insurance of motor vehicles (debate)
- 2021/10/21 Insurance of motor vehicles (debate)
- Dita CHARANZOVÁ
Plenary Speeches (1)
- 2021/10/21 Insurance of motor vehicles (debate)
- Deirdre CLUNE
Plenary Speeches (1)
- 2021/10/21 Insurance of motor vehicles (debate)
- Evelyne GEBHARDT
Plenary Speeches (1)
- 2021/10/21 Insurance of motor vehicles (debate)
- Antonius MANDERS
Plenary Speeches (1)
- 2021/10/21 Insurance of motor vehicles (debate)
- Jiří POSPÍŠIL
Plenary Speeches (1)
- 2021/10/21 Insurance of motor vehicles (debate)
- Róża THUN UND HOHENSTEIN
Plenary Speeches (1)
- 2021/10/21 Insurance of motor vehicles (debate)
- Alessandro PANZA
Plenary Speeches (1)
- 2021/10/21 Insurance of motor vehicles (debate)
- Eugen JURZYCA
Plenary Speeches (1)
- 2021/10/21 Insurance of motor vehicles (debate)
- Vlad-Marius BOTOŞ
Plenary Speeches (1)
- 2021/10/21 Insurance of motor vehicles (debate)
- Leszek MILLER
Plenary Speeches (1)
- 2021/10/21 Insurance of motor vehicles (debate)
- Chris MACMANUS
Plenary Speeches (1)
- 2021/10/21 Insurance of motor vehicles (debate)
- Vlad GHEORGHE
Plenary Speeches (1)
- 2021/10/21 Insurance of motor vehicles (debate)
Votes
A8-0035/2019 - Dita Charanzová - Am 7/2 13/02/2019 17:10:58.000 #
A8-0035/2019 - Dita Charanzová - Am 22/2 13/02/2019 17:11:17.000 #
A8-0035/2019 - Dita Charanzová - Am 55 13/02/2019 17:11:31.000 #
IT | FR | EL | AT | SE | ?? | DK | PT | CY | DE | LT | IE | ES | LU | LV | EE | RO | HR | SI | HU | MT | FI | SK | BE | BG | GB | NL | CZ | PL | ||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Total |
56
|
64
|
15
|
18
|
12
|
1
|
12
|
18
|
1
|
77
|
8
|
8
|
44
|
6
|
6
|
4
|
25
|
10
|
8
|
13
|
5
|
12
|
12
|
18
|
14
|
56
|
24
|
19
|
46
|
|
S&D |
151
|
Italy S&DFor (25)Andrea COZZOLINO, Brando BENIFEI, Caterina CHINNICI, Cécile Kashetu KYENGE, Damiano ZOFFOLI, Daniele VIOTTI, Elena GENTILE, Elly SCHLEIN, Flavio ZANONATO, Giuseppe FERRANDINO, Goffredo Maria BETTINI, Isabella DE MONTE, Luigi MORGANO, Massimo PAOLUCCI, Mercedes BRESSO, Michela GIUFFRIDA, Nicola CAPUTO, Nicola DANTI, Patrizia TOIA, Pier Antonio PANZERI, Pina PICIERNO, Renata BRIANO, Roberto GUALTIERI, Sergio Gaetano COFFERATI, Silvia COSTA
|
3
|
Austria S&D |
5
|
3
|
Portugal S&DFor (6) |
Germany S&DFor (24)Arndt KOHN, Arne LIETZ, Babette WINTER, Bernd LANGE, Birgit SIPPEL, Constanze KREHL, Dietmar KÖSTER, Evelyne GEBHARDT, Gabriele PREUSS, Iris HOFFMANN, Ismail ERTUG, Jens GEIER, Joachim SCHUSTER, Knut FLECKENSTEIN, Maria NOICHL, Martina WERNER, Michael DETJEN, Peter SIMON, Petra KAMMEREVERT, Susanne MELIOR, Sylvia-Yvonne KAUFMANN, Tiemo WÖLKEN, Udo BULLMANN, Ulrike RODUST
|
1
|
1
|
1
|
1
|
1
|
1
|
2
|
2
|
2
|
3
|
3
|
2
|
United Kingdom S&DFor (15) |
3
|
3
|
Poland S&DFor (5) |
||||||
Verts/ALE |
44
|
1
|
France Verts/ALEFor (6) |
3
|
3
|
1
|
Germany Verts/ALEFor (9) |
1
|
Spain Verts/ALE |
1
|
1
|
1
|
1
|
1
|
2
|
2
|
4
|
2
|
||||||||||||
GUE/NGL |
42
|
2
|
France GUE/NGL |
Greece GUE/NGL |
1
|
4
|
1
|
Germany GUE/NGL |
2
|
8
|
1
|
1
|
3
|
3
|
||||||||||||||||
ENF |
32
|
Italy ENFAgainst (5) |
4
|
1
|
3
|
3
|
2
|
|||||||||||||||||||||||
EFDD |
36
|
Italy EFDDFor (12)Abstain (1) |
France EFDDFor (6) |
1
|
1
|
United Kingdom EFDDAgainst (12)Abstain (1) |
1
|
1
|
||||||||||||||||||||||
NI |
14
|
1
|
Greece NI |
1
|
1
|
1
|
1
|
2
|
3
|
|||||||||||||||||||||
ALDE |
59
|
France ALDEFor (1)Against (6) |
1
|
2
|
2
|
1
|
3
|
2
|
1
|
1
|
2
|
1
|
2
|
1
|
4
|
Belgium ALDEAgainst (5)Abstain (1) |
4
|
1
|
Netherlands ALDEAgainst (6) |
4
|
||||||||||
ECR |
61
|
4
|
1
|
3
|
Germany ECRAgainst (5) |
1
|
1
|
1
|
1
|
2
|
3
|
3
|
1
|
United Kingdom ECRAgainst (15) |
2
|
2
|
Poland ECRAgainst (16) |
|||||||||||||
PPE |
173
|
Italy PPEFor (1)Against (5) |
14
|
2
|
5
|
2
|
1
|
Portugal PPEFor (1)Against (6) |
Germany PPEFor (1)Against (26)
Andreas SCHWAB,
Angelika NIEBLER,
Axel VOSS,
Daniel CASPARY,
David MCALLISTER,
Dennis RADTKE,
Dieter-Lebrecht KOCH,
Godelieve QUISTHOUDT-ROWOHL,
Hermann WINKLER,
Ingeborg GRÄSSLE,
Jens GIESEKE,
Markus FERBER,
Markus PIEPER,
Michael GAHLER,
Monika HOHLMEIER,
Norbert LINS,
Peter JAHR,
Peter LIESE,
Rainer WIELAND,
Reimer BÖGE,
Renate SOMMER,
Sabine VERHEYEN,
Stefan GEHROLD,
Sven SCHULZE,
Thomas MANN,
Werner LANGEN
|
2
|
4
|
Spain PPEFor (1)Against (11) |
3
|
3
|
1
|
12
|
Croatia PPEFor (1)Against (4) |
5
|
Hungary PPEAgainst (8) |
3
|
3
|
Slovakia PPEAgainst (6) |
3
|
Bulgaria PPEAgainst (7) |
2
|
Netherlands PPEAgainst (5) |
Czechia PPEAgainst (6) |
Poland PPEAgainst (19)
Adam SZEJNFELD,
Agnieszka KOZŁOWSKA,
Barbara KUDRYCKA,
Bogdan Andrzej ZDROJEWSKI,
Bogusław SONIK,
Czesław Adam SIEKIERSKI,
Danuta Maria HÜBNER,
Dariusz ROSATI,
Elżbieta Katarzyna ŁUKACIJEWSKA,
Jan OLBRYCHT,
Janusz LEWANDOWSKI,
Jarosław KALINOWSKI,
Jarosław WAŁĘSA,
Jerzy BUZEK,
Krzysztof HETMAN,
Marek PLURA,
Michał BONI,
Róża THUN UND HOHENSTEIN,
Tadeusz ZWIEFKA
|
A8-0035/2019 - Dita Charanzová - Am 56 13/02/2019 17:11:43.000 #
A8-0035/2019 - Dita Charanzová - Am 57 13/02/2019 17:11:55.000 #
A8-0035/2019 - Dita Charanzová - Am 58 13/02/2019 17:12:07.000 #
A8-0035/2019 - Dita Charanzová - Am 59 13/02/2019 17:12:24.000 #
A8-0035/2019 - Dita Charanzová - Am 60 13/02/2019 17:12:35.000 #
A8-0035/2019 - Dita Charanzová - Vote: proposition de la Commission 13/02/2019 17:12:48.000 #
Assurance des véhicules automoteurs - Insurance of motor vehicles - Kraftfahrzeugversicherung - A8-0035/2019 - Dita Charanzová - Accord provisoire - Am 61 #
Assurance des véhicules automoteurs - Insurance of motor vehicles - Kraftfahrzeugversicherung - A8-0035/2019 - Dita Charanzová - Déclaration de la Commission - Am 62 #
Amendments | Dossier |
115 |
2018/0168(COD)
2018/11/26
JURI
31 amendments...
Amendment 10 #
Proposal for a directive Recital 7 (7) Effective and efficient protection of victims of traffic accidents requires that those victims are always reimbursed for their personal injuries or for damage to their property, irrespective of whether the insurance undertaking of the party liable is solvent or not. Member States should therefore set up or appoint a body that provides, without any delay, initial compensation for injured parties habitually residing within their territory, and which has the right to reclaim that compensation from the body set up or
Amendment 11 #
Proposal for a directive Recital 8 (8) Previous claims histories of policyholders who seek to conclude new insurance contracts with insurance undertakings should be easily authenticated in order to facilitate the recognition of such claims history when concluding a new insurance policy. In order to simplify the verification and authentication of claims history statements, it is important that the content and format of the statement of such claims histories are the same across all Member States. In addition, insurance undertakings
Amendment 12 #
Proposal for a directive Recital 10 Amendment 13 #
Proposal for a directive Recital 11 (11) As part of the evaluation of the functioning of the Directive, the European Commission should monitor the application of the Directive, taking into account the number of victims, the amount of outstanding claims due to delays in payments following cross-border insolvency cases, the level of minimum amounts of cover in Member States, the amount of claims due to uninsured driving relating to cross-border traffic and the number of complaints regarding claims history statements In the context of the evaluation of the functioning of Directive 2009/103/EC, the Commission should also examine and assess whether, in the light of technological progress, including the increasing use of autonomous and semi- autonomous vehicles, it continues to serve its purpose of protecting the victims of road traffic accidents from the insolvency of insurers in accidents caused by vehicles.
Amendment 14 #
Proposal for a directive Recital 11 (11) As part of the evaluation of the functioning of the Directive, the European Commission should monitor the
Amendment 15 #
Proposal for a directive Recital 12 (12) Since the objectives of this Directive, in particular to ensure an equal minimum protection of victims of traffic accidents across the Union
Amendment 16 #
Proposal for a directive Article 1 – paragraph 1 – point 1 Directive 2009/103/EC Article 1 1a. ‘use of a vehicle’ means
Amendment 17 #
Proposal for a directive Article 1 – paragraph 1 – point 1 a (new) Amendment 18 #
Proposal for a directive Article 1 – paragraph 1 – point 2 Directive 2009/103/EC Article 4 – paragraph 1 – subparagraph 2 However, they may carry out such checks on insurance provided that those checks are non-discriminatory, necessary and proportionate to achieve the end pursued,
Amendment 19 #
Proposal for a directive Article 1 – paragraph 1 – point 3 Directive 2009/103/EC Article 9 – paragraph 1 – point a (a) for personal injuries: EUR
Amendment 2 #
Proposal for a directive Recital 1 (1) Insurance against civil liability in respect of the use of motor vehicles (motor insurance) is of special importance for European citizens, whether they are policyholders or potential victims of an accident. It is also a major concern for insurance undertakings, as it constitutes an important segment of non-life insurance business in the Union. Motor insurance also has a
Amendment 20 #
Proposal for a directive Article 1 – paragraph 1 – point 4 Directive 2009/103/EC Article 10 a – paragraph 1 a a (new) (aa) the insurance undertaking became insolvent
Amendment 21 #
Proposal for a directive Article 1 – paragraph 1 – point 4 Directive 2009/103/EC Article 10 – paragraph 1 a b (new) (ab) the insurance undertaking has insufficient financial resources to compensate victims of accidents involving autonomous vehicles circulating within the EU;
Amendment 22 #
Proposal for a directive Article 1 – paragraph 1 – point 4 Directive 2009/103/EC Article 10 a – paragraph 1 – point c (c) the insurance undertaking or its claims representative has not provided a reasoned reply to the points made in a claim for compensation within
Amendment 23 #
Proposal for a directive Article 1 – paragraph 1 – point 4 Directive 2009/103/EC Article 10 3. The body referred to in paragraph 1 shall give a reply to the claim within t
Amendment 24 #
Proposal for a directive Article 1 – paragraph 1 – point 5 – point b Directive 2009/103/EC Article 16 Member States shall ensure that insurance undertakings
Amendment 25 #
Proposal for a directive Article 1 – paragraph 1 – point 5 – point b Directive 2009/103/EC Article 16 Member States shall ensure that insurance undertakings and the bodies referred to in the second subparagraph incorporate a compulsory ‘bonus-malus’ system in their third-party liability motor vehicle insurance contracts, which calculates the amount of insurance premiums of each policyholder in accordance with the claims history statements.
Amendment 26 #
Proposal for a directive Article 1 – paragraph 1 – point 5 – point b Directive 2009/103/EC Article 16 Amendment 27 #
Proposal for a directive Article 1 – paragraph 1 – point 5 – point b Directive 2009/103/EC Article 16 Member States shall ensure that insurance undertakings publish their policies in respect of their use of claims history statements when calculating premiums, in particular also in relation to the ‘bonus- malus’ system they use.
Amendment 28 #
Proposal for a directive Article 1 – paragraph 1 – point 6 Directive 2009/103/EC Article 28c No later than
Amendment 29 #
Proposal for a directive Article 1 – paragraph 1 – point 6 Directive 2009/103/EC Article 28 c No later than
Amendment 3 #
Proposal for a directive Recital 2 (2) The Commission has carried out an evaluation of the functioning of Directive 2009/103/EC of the European Parliament and of the Council15, including its efficiency effectiveness and coherence with other Union policies. The conclusion of the evaluation was that Directive 2009/103/EC functions well on the whole, and does not need amendment in most aspects. However, four areas were
Amendment 30 #
Proposal for a directive Article 1 – paragraph 1 – point 6 Directive 2009/103/EC Article 28 c No later than
Amendment 31 #
Proposal for a directive Article 2 – paragraph 1 Member States shall adopt and publish, by [PO: Please insert date
Amendment 32 #
Proposal for a directive Article 2 – paragraph 2 They shall apply those provisions from [PO: Please insert date
Amendment 4 #
Proposal for a directive Recital 3 a (new) (3a) According to the case law of the European Court of Justice, in principle all existing and new motor vehicles fall within the scope of Directive 2009/103/EC. However, particularly with new types of vehicle, such as electric bicycles, electric scooters and Segways, this does not seem to be absolutely necessary. They are much smaller and have a lower maximum speed, so their damage/injury potential is not so great. The undifferentiated application of compulsory insurance seems disproportionate, especially given the need to promote the development of new alternative modes of transport, which occupy less public road space and are more environmentally friendly. This Directive should therefore apply only to those vehicles which under EU law have to satisfy safety requirements as a condition for approval. Of course, accidents may also occur when such vehicles are used, so that Member States should be free to adopt or maintain at national level rules which also provide for liability insurance for vehicles which are not subject to type approval.
Amendment 5 #
Proposal for a directive Recital 3 a (new) (3a) By pursuing the general objectives of ensuring a high level of protection for victims of road traffic accidents and of facilitating the free movement of persons and vehicles throughout the EU, this Directive will help improve confidence in the single market for motor insurance by increasing legal certainty over cross- border sales of motor insurance based on the freedom to provide services, while reducing the risks that may arise during the compensation to victims process.
Amendment 6 #
Proposal for a directive Recital 3 b (new) (3b) This Directive strikes an appropriate balance between the public interest and the potential costs for public authorities, insurers and policy holders, with a view to ensuring that the measures proposed are cost-effective.
Amendment 7 #
Proposal for a directive Recital 4 (4) Member States currently
Amendment 8 #
Proposal for a directive Recital 4 a (new) (4a) Uninsured driving, circulating with a motor vehicle without a compulsory motor third party liability insurance, is an increasing problem within the EU. The cost for the EU has been estimated at € 870 million in claims in 2011 for the EU as a whole. It shall be stressed that uninsured driving negatively affects a wide range of stakeholders including victims of accidents, insurers, guarantee funds and motor insurance policyholders.
Amendment 9 #
Proposal for a directive Recital 5 (5) Member States that opt to set up a system that processes personal data which may subsequently be shared with other Member States, such as data from number plate recognition technology, need to legislate to allow for the processing of personal data for the purposes of combatting uninsured driving, whilst establishing suitable measures to safeguard the data subject's rights and freedoms and legitimate interests. The provisions of Regulation (EU) 2016/679 of the European Parliament and of the Council19 apply to
source: 630.675
2018/12/10
IMCO
84 amendments...
Amendment 100 #
Proposal for a directive Article 1 – paragraph 1 – point 4 Directive 2009/103/EC Article 10 a – paragraph 3 a (new) 3a. The body referred to in paragraph 1 shall provide the compensation within three months of communicating their reply, in accordance with paragraph 3, to the injured party.
Amendment 101 #
Proposal for a directive Article 1 – paragraph 1 – point 4 Directive 2009/103/EC Article 10 a – paragraph 4 4. Where the injured party is resident in another Member State than the Member State in which the
Amendment 102 #
Proposal for a directive Article 1 – paragraph 1 – point 4 Directive 2009/103/EC Article 10 a – paragraph 6 6. Member States shall not allow the body referred to in paragraph 1 to make the payment of compensation subject to any reduction or requirements other than those laid down in this Directive and in particular not the requirement that the injured party should establish that the party liable or the insurance undertaking is unable or refuses to pay.
Amendment 103 #
Proposal for a directive Article 1 – paragraph 1 – point 4 Directive 2009/103/EC Article 10 a – paragraph 6 a (new) 6a. Member States shall provide for penalties against insurance undertakings that have failed to comply with their obligations under this Article. Such penalties shall be proportionate, effective and dissuasive.
Amendment 104 #
Proposal for a directive Article 1 – paragraph 1 – point 4 Directive 2009/103/EC Article 10 a – paragraph 7 a (new) 7a. The latter body shall be subrogated to the injured party in his or her rights against the body referred to in paragraph 1 established in the Member State where the liable party is resident, in so far as the compensation body in the injured party's Member State of residence provided compensation for personal injuries or damage to property. Each Member State shall be obliged to acknowledge this subrogation as provided for by any other Member State.
Amendment 105 #
Proposal for a directive Article 1 – paragraph 1 – point 4 Directive 2009/103/EC Article 10 a – paragraph 7 b (new) 7b. Injured parties referred to in Article 20(1) may, in the situations referred to in paragraph 1, apply for compensation from the compensation body referred to in Article 24 in their Member State of residence.
Amendment 106 #
Proposal for a directive Article 1 – paragraph 1 – point 4 Directive 2009/103/EC Article 10 a – paragraph 7 c (new) 7c. The compensation body which has compensated the injured party in his or her 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 where the vehicle causing the accident is insured.
Amendment 107 #
Proposal for a directive Article 1 – paragraph 1 – point 5 Directive 2009/103/EC Article 16 Amendment 108 #
Proposal for a directive Article 1 – paragraph 1 – point 5 – point b Directive 2009/103/EC Article 16 – paragraph 3 Member States shall ensure that insurance undertakings or the bodies as referred to in the second subparagraph, when taking account of claims history statements issued by other insurance undertakings or other bodies as referred to in the second subparagraph, do not treat policyholders in a discriminatory manner
Amendment 109 #
Proposal for a directive Article 1 – paragraph 1 – point 5 – point b Directive 2009/103/EC Article 16 – paragraph 3 a (new) Member States shall require insurance undertakings and the bodies referred to in the second subparagraph to integrate into motor vehicle insurance contracts a mandatory bonus-malus system, including a discount by way of a “no claims bonus”, in which premiums are influenced by policyholders’ claims history statement.
Amendment 110 #
Proposal for a directive Article 1 – paragraph 1 – point 5 – point b Directive 2009/103/EC Article 16 – paragraph 4 Member States shall ensure that insurance undertakings
Amendment 111 #
Proposal for a directive Article 1 – paragraph 1 – point 5 – point b Directive 2009/103/EC Article 16 – paragraph 4 Without prejudice to the pricing policies of insurance undertakings, Member States shall ensure that insurance undertakings publish their policies in respect of their use of claims history statements when calculating premiums.
Amendment 112 #
Proposal for a directive Article 1 – paragraph 1 – point 5 – point b Directive 2009/103/EC Article 16 – paragraph 4 a (new) The Commission shall be empowered to adopt delegated acts in accordance with Article 28a to establish a standardised presentation of the information published by insurance undertakings and the bodies as referred to in the second subparagraph regarding their bonus-malus systems. When exercising that power, the Commission shall ensure that the system guarantees a high degree of comparability and transparency.
Amendment 113 #
Proposal for a directive Article 1 – paragraph 1 – point 5 – point b Directive 2009/103/EC Article 16 – paragraph 5 – introductory part The Commission shall be empowered to adopt
Amendment 114 #
Proposal for a directive Article 1 – paragraph 1 – point 5 – point b Directive 2009/103/EC Article 16 – paragraph 5 – point b (b) the identity, the date of birth, and the number and date of issue of the driving licence of the policyholder;
Amendment 115 #
Proposal for a directive Article 1 – paragraph 1 – point 5 – point b Directive 2009/103/EC Article 16 – paragraph 5 – point c (c) the vehicle insured and its registration index number;
Amendment 116 #
Proposal for a directive Article 1 – paragraph 1 – point 5 – point b Directive 2009/103/EC Article 16 – paragraph 5 – point d (d) the
Amendment 117 #
Proposal for a directive Article 1 – paragraph 1 – point 5 – point b Directive 2009/103/EC Article 16 – paragraph 5 – point e (e) the number and
Amendment 118 #
Proposal for a directive Article 1 – paragraph 1 – point 5 – point b Directive 2009/103/EC Article 16 – paragraph 5 – point e a (new) (ea) the number of years driven without accidents;
Amendment 119 #
Proposal for a directive Article 1 – paragraph 1 – point 5 – point b Directive 2009/103/EC Article 16 – paragraph 5 – point e b (new) (eb) the latest reference to any risk classification by the insurer;
Amendment 120 #
Proposal for a directive Article 1 – paragraph 1 – point 5 – point b Directive 2009/103/EC Article 16 – paragraph 5 – point e c (new) (ec) the contact address of the policyholder;
Amendment 121 #
Proposal for a directive Article 1 – paragraph 1 – point 5 – point b Directive 2009/103/EC Article 16 – paragraph 5 – point e d (new) (ed) the date of issue of the insurance undertakings’ policy that is used in respect of their use of claims history statements when calculating premiums.
Amendment 122 #
Proposal for a directive Article 1 – paragraph 1 – point 5 Directive 2009/103/EC Article 16 – paragraph 5 a (new) The Commission shall consult with all relevant stakeholders before adopting those implementing acts and seek to reach a mutual agreement between stakeholders as to the content and the form of the claims history statement.
Amendment 123 #
Proposal for a directive Article 1 – paragraph 1 – point 5 a (new) Directive 2009/103/EC Article 26 a (new) 5a. The following Article is inserted: “Article 26a Limitation period 1. Member States shall ensure that a limitation period of at least three years applies to actions under Articles 19 and 20(2) that relate to compensation for personal injury and damage to property resulting from a cross-border road traffic accident. The limitation period shall begin to run from the day on which the claimant became aware, or had reasonable grounds to become aware, of the extent of the injury, loss or damage, its cause and the identity of the person liable and the insurance undertaking covering this person against civil liability or the claim representative or compensation body responsible for providing compensation and against whom the claim is to be brought. 2. Member States shall ensure that where the proper law of the claim provides for a limitation period which is longer than three years, such longer limitation period shall apply. 3. Member States shall ensure that they provide the Commission with up-to- date information on national rules of limitation for damages caused by traffic accidents. The Commission shall make publicly available and accessible, in all Union languages, that general information communicated by Member States.”
Amendment 124 #
Proposal for a directive Article 1 – paragraph 1 – point 5 b (new) Directive 2009/103/EC Article 26 b (new) 5b. The following Article is inserted: “Article 26b Suspension of limits 1. Member States shall ensure that the limitation provided for in Article 26a is suspended during the period between submission by the claimant of his or her claim to: (a) the insurance undertaking of the person who caused the accident or its claims representative referred to in Articles 21 and 22; or (b) the compensation body referred to in Articles 24 and 25, and the defendant’s rejection of the claim. 2. Where the remaining part of the limitation period, once the period of suspension ends, is less than six months, Member States shall ensure that the claimant is granted a minimum period of six additional months to initiate court proceedings. 3. Member States shall ensure that, if a period expires on a Saturday or a Sunday or on one of their official holidays, it shall be extended until the end of the first following working day.”
Amendment 125 #
Proposal for a directive Article 1 – paragraph 1 – point 5 c (new) Directive 2009/103/EC Article 26 c (new) 5c. The following Article is inserted: “Article 26c Calculation of time limits Member States shall ensure that any period of time laid down by this Directive is calculated as follows: (a) calculation shall start on the day following the day on which the relevant event occurred; (b) when a period is expressed as one year or a number of years, it shall expire in the relevant subsequent year in the month having the same name and on the day having the same number as the month and the day on which the said event occurred. If the relevant subsequent month has no day with the same number, the period shall expire on the last day of that month; (c) periods shall not be suspended during court recesses.”
Amendment 126 #
Proposal for a directive Article 1 – paragraph 1 – point 6 Directive 2009/103/EC Articles 28 a, 28 b and 28 c Amendment 127 #
Proposal for a directive Article 1 – paragraph 1 – point 6 – introductory part (6) the following Articles
Amendment 128 #
Proposal for a directive Article 1 – paragraph 1 – point 6 Directive 2009/103/EC Article 28 a Amendment 129 #
Proposal for a directive Article 1 – paragraph 1 – point 6 Directive 2009/103/EC Article 28 b – paragraph 2 2. The power to adopt delegated acts referred to in Article
Amendment 130 #
Proposal for a directive Article 1 – paragraph 1 – point 6 Directive 2009/103/EC Article 28 b – paragraph 5 5. A delegated act adopted pursuant to Articles 9(2) and 10a(7) shall enter into force only if no objection has been expressed either by the European Parliament or the Council within a period of t
Amendment 131 #
Proposal for a directive Article 1 – paragraph 1 – point 6 Directive 2009/103/EC Article 28 c No later than
Amendment 132 #
Proposal for a directive Article 1 – paragraph 1 – point 6 Directive 2009/103/EC Article 28 c No later than
Amendment 133 #
Proposal for a directive Article 1 – paragraph 1 – point 6 Directive 2009/103/EC Article 28 c No later than seven years after the date of transposition of this Directive, an evaluation of this Directive shall be carried out. That evaluation shall, in particular, assess the suitability of this Directive in light of technological developments related to autonomous and semi- autonomous vehicles. The Commission shall communicate the conclusions of the evaluation accompanied by its observations to the European Parliament, the Council and the European Economic and Social Committee.
Amendment 134 #
Proposal for a directive Article 1 – paragraph 1 – point 6 Directive 2009/103/EC Article 28 c No later than
Amendment 135 #
Proposal for a directive Article 2 – paragraph 1 Member States shall adopt and publish, by [PO: Please insert date
Amendment 51 #
Proposal for a directive Recital 2 (2) The Commission has carried out an evaluation of the functioning of Directive 2009/103/EC of the European Parliament and of the Council15, including its efficiency effectiveness and coherence with other Union policies. The conclusion of the evaluation was that Directive 2009/103/EC functions well on the whole, and does not need amendment in most aspects. However, four areas were identified where targeted amendments would be appropriate: compensation of
Amendment 52 #
Proposal for a directive Recital 2 a (new) (2a) It is furthermore necessary to introduce the obligation for insurance contracts to include a mandatory bonus- malus system, including discounts by way of a “no claims bonus”, in which premiums are influenced by the policyholders’ claims history statement. Such a system would incentivise safer driving behaviours, thus increasing road safety, and would offer better conditions to consumers.
Amendment 53 #
Proposal for a directive Recital 3 (3) Furthermore, in recent decisions of the European Court of Justice of the European Union, namely Vnuk16, Rodrigues de Andrade17 and Torreiro18, the Court has clarified the meaning of the words ‘use of a vehicle’. In particular, the European Court of Justice has clarified that motor vehicles are intended
Amendment 54 #
Proposal for a directive Recital 3 a (new) Amendment 55 #
Proposal for a directive Recital 3 a (new) (3a) Only vehicles for which prior administrative authorisation is required for their use on the roads and those which fall within the scope of application of type-approval regulations Regulation (EU) 2018/858, Regulation (EU) No 167/2013 and Regulation (EU) No 168/2013 should remain within the scope of application of the Directive. Consequently, new alternative mobility vehicles such as electric bicycles and scooters or similar would be outside the scope of the Directive. This exclusion is founded on the principle of proportionality, as the risk posed by the use of these vehicles in traffic is lower than it is for other vehicles.
Amendment 56 #
Proposal for a directive Recital 3 a (new) (3a) In view of a key focus of this Directive being for the benefit of parties injured in vehicle accidents, it should be further noted that a wide interpretation of scope is required. The mere existence of other forms of insurance for vehicles that are not necessarily used on public roads does not ensure any or a fair level of compensation for victims of accidents caused by such vehicles. In addition, ensuring a purposive approach to the scope of the Directive will assist in the continuing protection of citizens in the light of developments in vehicle technologies.
Amendment 57 #
Proposal for a directive Recital 3 a (new) (3a) Member States should avoid a situation where insurance is required for vehicles which are registered but incapable of being moved because they are in a museum, because they are undergoing restoration or because they are not being used for a lengthy period of time for another reason and are immobilised by the disconnection of the battery or other essential component.
Amendment 58 #
Proposal for a directive Recital 3 b (new) (3b) It is further appropriate to exclude from the scope of Directive 2009/103/EC all vehicles intended exclusively for use in non-traffic situations. These vehicles are generally used in controlled environments and are subject to other forms of liability insurance, such as employers’ or public liability insurance, which ensures that injured parties received adequate compensation. However, it should continue to be possible for individual Member States to decide whether compulsory motor insurance is the appropriate form of cover for these vehicles and under what conditions.
Amendment 59 #
Proposal for a directive Recital 3 b (new) (3b) To better protect potential victims, in cases falling outside the scope of the Directive, as stated above and in Article 1, the Member States may establish civil liability insurance commensurate with the risk posed.
Amendment 60 #
Proposal for a directive Recital 3 c (new) (3c) Use of vehicles in traffic includes the use of a vehicle on a road or other public place. Traffic implies a certain degree of volume and regularity. The isolated use of a vehicle for other purposes in areas without public access should not be seen as the use of a vehicle in traffic and should not lead to an obligation to hold compulsory insurance. Where a vehicle is used in non-traffic- related situations, Member States should be able to limit the scope of compulsory insurance. This is particularly relevant in situations where the principal function of the vehicle, at the time of the accident, was related to secondary functions of that vehicle. Nothing in this Directive prevents Member States from maintaining or introducing new provisions that extend the scope of compulsory motor insurance to these situations.
Amendment 61 #
Proposal for a directive Recital 3 d (new) (3d) To avoid a situation where insurance is required for vehicles which are registered but incapable of being moved because they are in a museum, because they are undergoing restoration or because they are not being used for a lengthy period of time and are immobilised by the disconnection of the battery or other essential component, the scope of Directive 2009/103/EC should be explicitly limited to vehicles which are capable of use.
Amendment 62 #
Proposal for a directive Recital 4 (4) Member States currently should refrain from performing checks of
Amendment 63 #
Proposal for a directive Recital 7 (7) Effective and efficient protection of victims of traffic accidents requires that those victims are always reimbursed for their personal injuries or for damage to their property, irrespective of whether the insurance undertaking of the party liable is solvent or not. Member States should therefore set up or appoint a body that provides initial compensation, at least up to the limits of the insurance obligation referred to in Article 9(1) or the guarantee limits prescribed by the Member State if higher, for injured parties habitually residing within their territory, and which has the right to reclaim that compensation from the body set up or appointed for the same purpose in the Member State of establishment of the insurance undertaking which issued the policy of the vehicle of the liable party. However, to avoid parallel claims being introduced, victims of traffic incidents
Amendment 64 #
Proposal for a directive Recital 7 (7) Effective and efficient protection of victims of traffic accidents requires that those victims are always reimbursed the amounts due for their personal injuries or for damage to their property, irrespective of whether the insurance undertaking of the party liable is solvent or not. Member States should therefore set up or appoint a body that provides initial compensation for injured parties habitually residing within their territory, and which has the right to reclaim that compensation from the body set up or appointed for the same purpose in the Member State of establishment of the insurance undertaking which issued the policy of the vehicle of the liable party. However, to avoid parallel claims being introduced, victims of traffic incidents
Amendment 65 #
Proposal for a directive Recital 7 (7) Effective and efficient protection of victims of traffic accidents requires that those victims are always reimbursed for their personal injuries or for damage to their property, irrespective of whether the insurance undertaking of the party liable is solvent or not. Member States should therefore set up or appoint a body that provides initial compensation for injured parties habitually residing within their territory, and which has the right to reclaim that compensation from the body set up or appointed for the same purpose in the Member State of establishment of the insurance undertaking which issued the policy of the vehicle of the liable party. However, to avoid parallel claims being introduced, victims of traffic incidents should not be allowed to present a claim for compensation with that body if they have already presented their claim
Amendment 66 #
Proposal for a directive Recital 8 Amendment 67 #
Proposal for a directive Recital 8 (8) Previous claims histories of policyholders who seek to conclude new insurance contracts with insurance undertakings should be easily authenticated in order to facilitate the recognition of such claims history when concluding a new insurance policy. In order to simplify the verification and authentication of claims history statements, it is important that the content and format of the statement of such claims histories are the same across all Member States. In addition,
Amendment 68 #
Proposal for a directive Recital 8 (8) Previous claims histories of policyholders who seek to conclude new insurance contracts with insurance undertakings should be easily authenticated in order to facilitate the recognition of such claims history when concluding a new insurance policy. In order to simplify the verification and authentication of claims history statements, it is important that the content and format of the statement of such claims histories are the same across all Member States. In addition, insurance undertakings that take into account claims history statements to determine motor insurance premiums should not discriminate on the basis of nationality or solely on the basis of the previous Member State of residence of the policyholder.
Amendment 69 #
Proposal for a directive Recital 9 Amendment 70 #
Proposal for a directive Recital 9 Amendment 71 #
Proposal for a directive Recital 9 a (new) (9a) In a view to bring full effect to the use of claims history statements when calculating premiums, Member States should encourage the participation of insurance undertakings in transparent price comparison tools.
Amendment 72 #
Proposal for a directive Recital 10 (10) In order to ensure uniform conditions for the implementation of this Directive, the power to adopt acts in accordance with Article 290 of the Treaty on the Functioning of the European Union should be delegated to the Commission in order to establish the standardised presentation of the information published by insurance undertakings regarding their bonus- malus systems, including the no claims bonus, and the content and the form of the claims history statement. To ensure that the minimum amounts stay in line with the evolving economic reality (and are not eroded over time) the power to adopt acts in accordance with Article 290 of the Treaty on the Functioning of the European Union should be delegated to the Commission in respect of the adaptation of those minimum amounts of cover of motor third party liability insurance to reflect the evolving economic reality, as well as to define the
Amendment 73 #
Proposal for a directive Recital 11 (11) As part of the evaluation of the functioning of the Directive, the European Commission should monitor the
Amendment 74 #
Proposal for a directive Recital 12 (12) Since the objectives of this Directive, in particular to ensure an equal minimum protection of
Amendment 75 #
Proposal for a directive Recital 13 a (new) (13a) To promote a consistent approach for victims of incidents where a motor vehicle is used as a weapon to commit a violent crime or terrorist act, Member States should ensure their respective national motor guarantee body regulated by Article 10 of Directive 2009/103/EC handles any and all claims arising from such an act.
Amendment 76 #
Proposal for a directive Article 1 – paragraph 1 – point -1 (new) Directive 2009/103/EC Article 1 – point 1 -1 In Article 1, point 1 is amended as follows: 1. ‘vehicle’ means any motor vehicle intended for travel on land and propelled solely by mechanical power or where the mechanical power is designed to propel the motor vehicle to speeds in excess of 25 km/h, but not running on rails, and any trailer, whether or not coupled;
Amendment 77 #
Proposal for a directive Article 1 – paragraph 1 – point 1 Directive 2009/103/EC Article 1 – point 1 a 1a. ‘use of a vehicle’ means any use of such vehicle, intended normally to serve as a means of transport or for connected purposes, that is consistent with
Amendment 78 #
Proposal for a directive Article 1 – paragraph 1 – point 1 Directive 2009/103/EC Article 1 – point 1 a (1a) ‘use of a vehicle’ means any use of
Amendment 79 #
Proposal for a directive Article 1 – paragraph 1 – point 1 Directive 2009/103/EC Article 1 – point 1 a 1a.
Amendment 80 #
Proposal for a directive Article 1 – paragraph 1 – point 1 Directive 2009/103/EC Article 1 – point 1 a 1a.
Amendment 81 #
Proposal for a directive Article 1 – paragraph 1 – point 1 Directive 2009/103/EC Article 1 – point 1 a 1a.
Amendment 82 #
Proposal for a directive Article 1 – paragraph 1 – point 1 Directive 2009/103/EC Article 1 – point 1 a 1a. ‘use of a vehicle’ means any use of such vehicle, intended normally to
Amendment 83 #
Proposal for a directive Article 1 – paragraph 1 – point 1 a (new) Directive 2009/103/EC Article 2 – paragraphs 1 a and 1 b (new) Amendment 84 #
Proposal for a directive Article 1 – paragraph 1 – point 1 b (new) Directive 2009/103/EC Article 3 – paragraph 1 (1b) In Article 3, the first paragraph is amended as follows: Each Member State shall, subject to Article 5, take all appropriate measures to ensure that civil liability in respect of
Amendment 85 #
Proposal for a directive Article 1 – paragraph 1 – point 1 b (new) (1b) In Article 3, the following paragraph is added: Member States shall ensure that when a vehicle is required to hold third party motor insurance pursuant to the first paragraph, the insurance is also valid and covers injured parties in the case of accidents occurring when that vehicle is in traffic on public roads and not being used in line with its primary function.
Amendment 86 #
Proposal for a directive Article 1 – paragraph 1 – point 2 Directive 2009/103/EC Article 4 – paragraph 1 Member States shall refrain from making checks on insurance against civil liability in respect of vehicles normally based in the territory of another Member State and in respect of vehicles normally based in the territory of a third country entering their territory from the territory of another Member State, so as to avoid obstructing the flow of traffic or inconveniencing travellers.
Amendment 87 #
Proposal for a directive Article 1 – paragraph 1 – point 2 Directive 2009/103/EC Article 4 – paragraph 1 – subparagraph 2 – introductory part However, they may carry out such checks on insurance provided that those checks are non-discriminatory, necessary and proportionate
Amendment 88 #
Proposal for a directive Article 1 – paragraph 1 – point 2 Directive 2009/103/EC Article 4 – paragraph 1 – subparagraph 2 – point b (b) they form part of a general system of checks on the national territory, which are carried out also in respect of vehicles based in the territory of the respective Member State, and do not require the vehicle to stop.
Amendment 89 #
Proposal for a directive Article 1 – paragraph 1 – point 2 1a. For the purposes of carrying out checks on insurance, as referred to in paragraph 1, a Member State shall grant other Member States access to the following national vehicle registration data, with the power to conduct automated searches thereon: (a) data on whether a vehicle is covered by a compulsory insurance; (b) data relating to owners or holders of the vehicle which is relevant to their insurance against civil liability subject to Article 3. Access to those data shall be granted through the Member States’ national contact points, as designated pursuant to Article 4(2) of Directive (EU) 2015/413*. __________________ * Directive (EU) 2015/413 of the European Parliament and of the Council of 11 March 2015 facilitating cross- border exchange of information on road- safety-related traffic offences (OJ L 68, 13.3.2015, p. 9)
Amendment 90 #
Proposal for a directive Article 1 – paragraph 1 – point 3 Directive 2009/103/EC Article 9 – paragraph 1 – point a (a) for personal injuries: EUR
Amendment 91 #
Proposal for a directive Article 1 – paragraph 1 – point 3 Directive 2009/103/EC Article 9 – paragraph 1 – point b (3a) In Article 10, the first subparagraph of paragraph 1 is amended as follows: 1. Each Member State shall set up or authorise a body with the task of providing compensation
Amendment 93 #
Proposal for a directive Article 1 – paragraph 1 – point 3 a (new) Directive 2009/103/EC Article 10 – paragraph 1 – subparagraph 1 (3a) In Article 10, the first subparagraph of paragraph 1 is amended as follows: 1. Each Member State shall set up or authorise a body with the task of providing compensation, at least up to the limits of the insurance obligation for damage to property or personal injuries caused by an unidentified vehicle or a vehicle for which the insurance obligation provided for in Article 3 has not been satisfied, including with respect to incidents where a motor vehicle is used as a weapon to commit a violent crime or terrorist act.
Amendment 94 #
Proposal for a directive Article 1 – paragraph 1 – point 4 Directive 2009/103/EC Article 10 a – paragraph 1 – introductory part 1. Member States shall set up or authorise a body to compensate injured parties habitually residing within their territory, at least up to the limits of the insurance obligation referred to in Article 9(1) or the guarantee limits prescribed by the Member State, if higher, for personal injuries or material damage, caused by a vehicle insured by an insurance undertaking in any of the following situations:
Amendment 95 #
Proposal for a directive Article 1 – paragraph 1 – point 4 Directive 2009/103/EC Article 10 a – paragraph 1 – introductory part 1. Each Member State
Amendment 96 #
Proposal for a directive Article 1 – paragraph 1 – point 4 Directive 2009/103/EC Article 10 a – paragraph 1 – point c (c) the insurance undertaking or its claims representative has not provided a reasoned reply to the points made in a claim for compensation within
Amendment 97 #
Proposal for a directive Article 1 – paragraph 1 – point 4 Directive 2009/103/EC Article 10 a – paragraph 2 2. Injured parties may not present a claim to the body referred to in paragraph 1 if they have presented a claim directly
Amendment 98 #
Proposal for a directive Article 1 – paragraph 1 – point 4 Directive 2009/103/EC Article 10 a – paragraph 3 3. The body referred to in paragraph 1 shall give a reply to the claim within t
Amendment 99 #
Proposal for a directive Article 1 – paragraph 1 – point 4 Directive 2009/103/EC Article 10 a – paragraph 3 3. The body referred to in paragraph 1 shall give a reply to the claim within
source: 631.961
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History
(these mark the time of scraping, not the official date of the change)
docs/0 |
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docs/5 |
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docs/5/docs/0/url |
http://www.europarl.europa.eu/RegData/commissions/imco/lcag/2021/06-28/IMCO_LA(2021)002949_EN.pdf
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docs/3/docs/0/url |
https://www.europarl.europa.eu/doceo/document/IMCO-PR-629546_EN.html
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docs/4/docs/0/url |
https://www.europarl.europa.eu/doceo/document/JURI-AD-629601_EN.html
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Old
Motor Insurance Directive: compensation of victims of motor vehicle accidents, insurance conditions and cover, combatting uninsured drivingNew
Motor vehicles insurance |
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https://www.europarl.europa.eu/sides/getDoc.do?type=COMPARL&mode=XML&language=EN&reference=PE629.546
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committees/1/rapporteur/0/mepref |
124708
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Rules of Procedure EP 159
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Rules of Procedure EP 159
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docs/2/docs/0/url |
https://dmsearch.eesc.europa.eu/search/public?k=(documenttype:AC)(documentnumber:2875)(documentyear:2018)(documentlanguage:EN)
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events/2/docs/0/url |
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events/3/docs/0/url |
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events/2/docs/0/url |
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events/3/docs/0/url |
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otherinst |
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procedure/Mandatory consultation of other institutions |
European Economic and Social Committee
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procedure/Modified legal basis |
Rules of Procedure EP 159
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procedure/dossier_of_the_committee |
Old
IMCO/8/13225New
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Old
DirectiveNew
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Rules of Procedure EP 59-p4
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European Economic and Social Committee
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Old
New
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activities/1/committees/0/date |
2018-06-19T00:00:00
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activities/1/committees/0/rapporteur |
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activities/1/committees/0/shadows/0 |
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activities/1/committees/1/date |
2018-07-09T00:00:00
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activities/1/committees/1/rapporteur |
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committees/0/date |
2018-06-19T00:00:00
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committees/0/rapporteur |
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committees/1/date |
2018-07-09T00:00:00
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committees/0/shadows |
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other/0 |
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activities/1 |
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IMCO/8/13225
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Awaiting committee decision |
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European Economic and Social Committee
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activities |
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committees |
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procedure |
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