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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. - PowerPoint PPT Presentation
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Street victims and cross-border claims
settlement cooperation
Possible situations for third injured parties with residence in Romania
Accidents in Romania
Accidents in Bulgaria
Accidents in Turkey
Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Possible situations for third parties residing in
Romania
Hypotheses Acc. in România
Liable vehicle registered in Romania
INSURED
UNINSURED
Liable vehicle registered in BulgariaINSURED
UNINSURED
Unregistered / Unknown UNINSURED
Liable vehicle registered in Turkey
INSURED
UNINSURED
Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Possible situations for third parties residing in
Romania
Hypotheses Acc. in Romania
Liable vehicle registered in Romania
INSURED
UNINSURED
Liable vehicle registered in BulgariaINSURED
UNINSURED
Unregistered / Unknown UNINSURED
Liable vehicle registered in Turkey
INSURED
UNINSURED
Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Accident in România – third party and liable party are Romanians
Example
InsuredRomanian MTPL Insurer
Uninsured?
FPVS – Guarantee Fund
Possible situations for third parties residing in
Romania
Hypotheses Acc. in Romania
Liable vehicle registered in Romania
INSURED
UNINSURED
Liable vehicle registered in BulgariaINSURED
UNINSURED
Unregistered / Unknown UNINSURED
Liable vehicle registered in Turkey
INSURED
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
Romanian GC Bureau
Uninsured – normally based in Bulgaria
insured
Bulgarian insurer
Bulgarian GC Bureau
Possible situations for third parties residing in
Romania
Hypotheses Acc. in Romania
Liable vehicle registered in Romania
INSURED
UNINSURED
Liable vehicle registered in BulgariaINSURED
UNINSURED
Unregistered / Unknown UNINSURED
Liable vehicle registered in Turkey
INSURED
UNINSURED
Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Accident in Romania – Romanian TP, Turkish liable party
Green Card correspondent
Romanian Guarantee Fund - FPVS
Uninsured
Turkish Green Card
Turkish mtpl/gc insurer
Possible situations for third parties residing in
Romania
Hypotheses Acc. in Romania
Liable vehicle registered in Romania
INSURED
UNINSURED
Liable vehicle registered in BulgariaINSURED
UNINSURED
Unregistered / Unknown UNINSURED
Liable vehicle registered in Turkey
INSURED
UNINSURED
Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Accident in Romania – Romanian TP
Unregistered vehicle
Unidentified vehicle
Romanian Guarantee Fund - FPVS
*
Possible situations for third parties residing in
Romania
Hypotheses Acc. in Bulgaria
Liable vehicle registered in Romania
INSURED
UNINSURED
Liable vehicle registered in BulgariaINSURED
UNINSURED
Unregistered / Unidenfied UNINSURED
Liable vehicle registered in Turkey
INSURED
UNINSURED
Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Possible situations for third parties residing in
Romania
Hypotheses Acc. in Bulgaria
Liable vehicle registered in Romania
INSURED
UNINSURED
Liable vehicle registered in BulgariaINSURED
UNINSURED
Unregistered / Unidenfied UNINSURED
Liable vehicle registered in Turkey
INSURED
UNINSURED
Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Accident in Bulgaria – third party and liable party are Romanians
Insured
Romanian MTPL Insurer or It`s Bulgarian correspondent
Uninsured ?
Romanian Guarantee Fund
Bulgarian Green card Bureau – as handling Bureau ?
Possible situations for third parties residing in
Romania
Hypotheses Acc. in Bulgaria
Liable vehicle registered in Romania
INSURED
UNINSURED
Liable vehicle registered in BulgariaINSURED
UNINSURED
Unregistered / Unknown UNINSURED
Liable vehicle registered in Turkey
INSURED
UNINSURED
Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Accident in Bulgaria – Romanian TP, Bulgarian liable party
Claims representative from RO
Romanian compensation body – FPVS, or directly, to the Bulgarian Guarantee Fund
Uninsured
Insured
Bulgarian MTPL Insurer
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
Romanian Compensation Body orGerman Guarantee Fund or
Uninsured – and nb in Germany
Insured
Green card correspondent of German mtpl ins in Bg
Bulgarian Green Card Bureau as HB
German MTPL insurer
Possible situations for third parties residing in
Romania
Hypotheses Acc. in Bulgaria
Liable vehicle registered in Romania
INSURED
UNINSURED
Liable vehicle registered in BulgariaINSURED
UNINSURED
Unregistered / Unknown UNINSURED
Liable vehicle registered in Turkey
INSURED
UNINSURED
Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Accident in Bulgaria – Romanian TP, Tukish liable party
Romanian Compensation Body Bulgarian Guarantee Fund
Uninsured
Insured
Green Card correspondent of the Turkish mtpl insurer in Bulgaria
Possible situations for third parties residing in
Romania
Hypotheses Acc. in Bulgaria
Liable vehicle registered in Romania
INSURED
UNINSURED
Liable vehicle registered in BulgariaINSURED
UNINSURED
Unregistered / Unknown UNINSURED
Liable vehicle registered in Turkey
INSURED
UNINSURED
Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Accident in Bulgaria – Romanian injured TP
Unregistered vehicle
Unidentified vehicle
Bulgarian Guarantee Fund – final debtor
Romanian Compensation Body – as handling body
Possible situations for third parties residing in
Romania
Hypotheses Acc. in Turkey
Liable vehicle registered in Romania
INSURED
UNINSURED
Liable vehicle registered in BulgariaINSURED
UNINSURED
Unregistered / Unidenfied UNINSURED
Liable vehicle registered in Turkey
INSURED
UNINSURED
Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Possible situations for third parties residing in
Romania
Hypotheses Acc. in Turkey
Liable vehicle registered in Romania
INSURED
UNINSURED
Liable vehicle registered in BulgariaINSURED
UNINSURED
Unregistered / Unidenfied UNINSURED
Liable vehicle registered in Turkey
INSURED
UNINSURED
Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Accident in Turkey– third party and liable party are Romanians
Insured
Romanian MTPL Insurer or it`s Turkish Green Card Correspondent
Uninsured
Romanian Guarantee Fund
Possible situations for third parties residing in
Romania
Hypotheses Acc. in Turkey
Liable vehicle registered in Romania
INSURED
UNINSURED
Liable vehicle registered in BulgariaINSURED
UNINSURED
Unregistered / Unknown UNINSURED
Liable vehicle registered in Turkey
INSURED
UNINSURED
Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Accident in Turkey – Romanian TP, Bulgarian liable party
Romanian Claims representative
Romanian compensation body – FPVS, or directly, to the Bulgarian Guarantee Fund
Uninsured
Insured
Bulgarian MTPL Insurer
Turkish Green Card correspondent
Possible situations for third parties residing in
Romania
Hypotheses Acc. in Turkey
Liable vehicle registered in Romania
INSURED
UNINSURED
Liable vehicle registered in BulgariaINSURED
UNINSURED
Unregistered / Unknown UNINSURED
Liable vehicle registered in Turkey
INSURED
UNINSURED
Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Accident in Turkey – Romanian TP, Tukish liable party
Uninsured
Insured
Turkish MTPL Insurer
No protection
Accident in Turkey – Romanian TP, Ukranian liable party
No protection
Uninsured
Insured
Turkish Green Card correspondent
Possible situations for third parties residing in
Romania
Hypotheses Acc. in Turkey
Liable vehicle registered in Romania
INSURED
UNINSURED
Liable vehicle registered in BulgariaINSURED
UNINSURED
Unregistered / Unknown UNINSURED
Liable vehicle registered in Turkey
INSURED
UNINSURED
Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014
Accident in Turkey – Romanian TP
Unregistered vehicle
Unidentified vehicle
No protection
Thank you for your attention
Sorin Greceanu - FPVS – IIF Conference - Istanbul 2014