This article is presented to you in association with the European Commission.
The European Commission welcomes the agreement reached today between the European Parliament and the Council to update the 2009 Automobile Insurance Directive. This directive ensures that vehicles can circulate freely in the European Union while using the same compulsory insurance. This means that in the event of an accident, injured parties are protected by effective compensation arrangements.
European Commissioner for Financial Stability, Financial Services and Capital Markets Union Mairead McGuinness, mentionned: “I welcome today’s agreement because it will strengthen the rights of our citizens, as policyholders, and especially in the event of an accident, whether it occurs in their Member State of residence or elsewhere in the country. ‘EU. “
The Directive better protects individuals by ensuring that all Member States set up bodies to compensate injured parties in a timely manner in the event of the insolvency of the insurance company in question. Until now, there have been no rules at EU level to ensure that injured parties are promptly compensated in such situations. This particularly affected those who were covered by cross-border motor vehicle liability insurance. Experience has shown significant delays in the payment of compensation to injured parties in such cases.
The amendments adopted today clarify the scope of the directive, in particular which vehicles are subject to compulsory insurance and what should be the insurance cover. In particular, the rules now specify that accidents caused during the normal use of a vehicle as a means of transport, including its use on private property, are generally covered.
The revised directive will further facilitate the free movement of people by harmonizing historical claims reporting. When an insured moves to another EU Member State, his claims history (resulting in a “bonus without claim” or “bonus-malus” rating) is not always taken into account by car insurers in the new state. member of residence. The harmonized complaint history, which contains standardized information for such cross-border situations, will prevent such discrimination.
The review also deals with uninsured driving, which is unfortunately an issue that also affects cross-border travel. It will now be possible to carry out checks on the insurance of vehicles registered in another Member State, and to exchange data, if these checks are part of a general system of checks on national territory, are not discriminatory and do not require stopping the vehicle.