Closing gaps to protect road accidents victims

Dita Charanzova

Changes to motor insurance rules across the EU aimed at better protecting road accident victims and tackle uninsured driving, were last Tuesday voted by Internal Market Committee, the EP press service reported. The proposal aims to close loopholes and to improve the current Motor Insurance Directive.

MEPs pointed out that changes are needed in five areas: compensating victims of accidents where an insurer goes bankrupt; minimum amounts of cover; Member States' checks on vehicle insurance; how claims history statements are used by a new insurance company; and the scope of the directive. Furthermore, cross-border insurance checks on vehicles will be allowed in order to better tackle uninsured driving.

“We found a good balance between greater protection for victims of accidents and preventing absurd overregulation. Motor insurance should not be required for anything with wheels and a motor. We have also created a fund to ensure that everyone is compensated for an accident, even if an insurance company goes bankrupt” rapporteur Dita Charanzova (ALDE, CZ) said.

In order to ensure the same minimum level of protection for victims, the proposal harmonises obligatory minimum amounts of cover across the EU to €6,070m per accident, irrespective of the number of victims, or €1,220 per victim for personal injuries, and €1,220m per claim, irrespective of the number of victims, for damages to property.

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