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Street victims and cross-border claims settlement cooperation. Possible situations for third injured parties with residence in Romania. Acc idents i n Rom a nia. Acc idents i n Bulgaria. Acc idents i n Turkey. Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014.
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Street victims and cross-border claims settlement cooperation
Possible situations for third injured parties with residence in Romania Accidentsin Romania Accidentsin Bulgaria Accidentsin Turkey Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Possible situations for third parties residing in Romania Hypotheses Acc. in România INSURED Liable vehicle registered in Romania UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey UNINSURED Unregistered / Unknown UNINSURED Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Possible situations for third parties residing in Romania Hypotheses Acc. in Romania INSURED Liable vehicle registered in Romania UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey UNINSURED Unregistered / Unknown UNINSURED Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Example Accident in România – third party and liable party are Romanians FPVS – Guarantee Fund Uninsured? Romanian MTPL Insurer Insured
Possible situations for third parties residing in Romania Hypotheses Acc. in Romania INSURED Liable vehicle registered in Romania UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey UNINSURED Unregistered / Unknown UNINSURED Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Accident in Romania – Romanian TP, Bulgarian liable party Green card correspondent in Ro. of the Bulgarian mtpl insurer Bulgarian insurer insured Uninsured – normally based in Bulgaria Romanian GC Bureau Bulgarian GC Bureau
Possible situations for third parties residing in Romania Hypotheses Acc. in Romania INSURED Liable vehicle registered in Romania UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey UNINSURED Unregistered / Unknown UNINSURED Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Accident in Romania – Romanian TP, Turkish liable party Green Card correspondent Turkish mtpl/gc insurer Turkish Green Card Uninsured Romanian Guarantee Fund - FPVS
Possible situations for third parties residing in Romania Hypotheses Acc. in Romania INSURED Liable vehicle registered in Romania UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey UNINSURED Unregistered / Unknown UNINSURED Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Accident in Romania – Romanian TP Unregistered vehicle Romanian Guarantee Fund - FPVS Unidentified vehicle *
Possible situations for third parties residing in Romania Hypotheses Acc. in Bulgaria INSURED Liable vehicle registered in Romania UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey UNINSURED Unregistered / Unidenfied UNINSURED Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Possible situations for third parties residing in Romania Hypotheses Acc. in Bulgaria INSURED Liable vehicle registered in Romania UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey UNINSURED Unregistered / Unidenfied UNINSURED Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Accident in Bulgaria – third party and liable party are Romanians Bulgarian Green card Bureau – as handling Bureau ? Romanian Guarantee Fund Uninsured ? Insured Romanian MTPL Insurer or It`s Bulgarian correspondent
Possible situations for third parties residing in Romania Hypotheses Acc. in Bulgaria INSURED Liable vehicle registered in Romania UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey UNINSURED Unregistered / Unknown UNINSURED Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Accident in Bulgaria – Romanian TP, Bulgarian liable party Claims representative from RO Bulgarian MTPL Insurer Insured Uninsured Romanian compensation body – FPVS, or directly, to the Bulgarian Guarantee Fund
In case of a dispute regarding the validity of the insurance policy, which one, the Insurer or the Guarantee Fund, is responsible in first instance, to settle the claim? Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Accident in Bulgaria – Romanian TP, German vehicle is liable Claims rep. of German mtpl ins in Ro Green card correspondent of German mtpl ins in Bg German MTPL insurer Insured Uninsured – and nb in Germany Romanian Compensation Body or German Guarantee Fund or Bulgarian Green Card Bureau as HB
Possible situations for third parties residing in Romania Hypotheses Acc. in Bulgaria INSURED Liable vehicle registered in Romania UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey UNINSURED Unregistered / Unknown UNINSURED Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Accident in Bulgaria – Romanian TP, Tukish liable party Green Card correspondent of the Turkish mtpl insurer in Bulgaria Insured Uninsured Romanian Compensation Body Bulgarian Guarantee Fund
Possible situations for third parties residing in Romania Hypotheses Acc. in Bulgaria INSURED Liable vehicle registered in Romania UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey UNINSURED Unregistered / Unknown UNINSURED Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Accident in Bulgaria – Romanian injured TP Bulgarian Guarantee Fund – final debtor Unregistered vehicle Unidentified vehicle Romanian Compensation Body – as handling body
Possible situations for third parties residing in Romania Hypotheses Acc. in Turkey INSURED Liable vehicle registered in Romania UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey UNINSURED Unregistered / Unidenfied UNINSURED Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Possible situations for third parties residing in Romania Hypotheses Acc. in Turkey INSURED Liable vehicle registered in Romania UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey UNINSURED Unregistered / Unidenfied UNINSURED Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Accident in Turkey– third party and liable party are Romanians Romanian Guarantee Fund Uninsured Insured Romanian MTPL Insurer or it`s Turkish Green Card Correspondent
Possible situations for third parties residing in Romania Hypotheses Acc. in Turkey INSURED Liable vehicle registered in Romania UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey UNINSURED Unregistered / Unknown UNINSURED Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Accident in Turkey – Romanian TP, Bulgarian liable party Turkish Green Card correspondent Romanian Claims representative Bulgarian MTPL Insurer Insured Uninsured Romanian compensation body – FPVS, or directly, to the Bulgarian Guarantee Fund
Possible situations for third parties residing in Romania Hypotheses Acc. in Turkey INSURED Liable vehicle registered in Romania UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey UNINSURED Unregistered / Unknown UNINSURED Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Accident in Turkey – Romanian TP, Tukish liable party Turkish MTPL Insurer Insured Uninsured No protection
Accident in Turkey – Romanian TP, Ukranian liable party Turkish Green Card correspondent Insured Uninsured No protection
Possible situations for third parties residing in Romania Hypotheses Acc. in Turkey INSURED Liable vehicle registered in Romania UNINSURED INSURED Liable vehicle registered in Bulgaria UNINSURED INSURED Liable vehicle registered in Turkey UNINSURED Unregistered / Unknown UNINSURED Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Accident in Turkey – Romanian TP Unregistered vehicle No protection Unidentified vehicle
Thank you for your attention Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014