LEGAL PROBLEMS OF TRAFFIC ACCIDENTS – THE EU DIRECTIVES ON THE INSURANCE OF CIVIL LIABILITY FOR DAMAGES RESULTED FROM THE USE OF MOTOR VEHICLES

Abstract

The consequences of traffic accidents and the scope of protection of victims through the insurance were continuously followed at the EU level in order to harmonize national legislations providing the same minimum of the insurance protection within all Member States. The European Union still tends to resolving outstanding issues in the field of the compulsory insurance of civil liability of motorists through the harmonization of regulations of different countries the Union consists of. The European Union directives contributed to the harmonization and approximation of the protection of the traffic accidents victims in Europe. The EU Member States including those which are not agreed their national legislations in the field of the compulsory insurance of civil liability of motorists with European directives. Today, in many European countries, there is no mandatory minimum insurance protection of the injured parties in traffic accidents, so in this respect there are no more major differences from country to country. In this way there has been achieved an enviable level of protection of the most vulnerable categories of victims in contemporary societies. The engagement of the international community in the field of the compulsory liability insurance of motorists has yielded results.