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Right on your side

Right on your side. Baku, 21.06.2013 Ionel D. Dima. 1. Agenda: ◊ AVUS Group ◊ Green Card System ◊ ROMANIA - part of the Green Card System ◊ Romanian Motor Third Party Liability Insurance. 2. AVUS GROUP.

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Right on your side

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  1. Right on your side Baku, 21.06.2013 Ionel D. Dima 1.

  2. Agenda: ◊AVUS Group ◊ Green Card System ◊ ROMANIA - part of the Green Card System ◊ Romanian Motor Third Party Liability Insurance 2.

  3. AVUS GROUP • after 1945: Josef Pscheidl - a transport entrepreneur without adequate insurance cover • 17 May 1960 – AVUS – AllgemeinesVersicherungs-, Unfalls-, Schadensberatungsbüro und Kreditvermittlung, J.Pscheidl KG, registered as “advisor in insurance matters” 3.

  4. AVUS GROUP: • 31 branches in 28 countries; • total staff of aprox. 500 people; • Portfolio: full range of services related to claims settlement. 4.

  5. The AVUS range of services: • Handling domestic and foreign claims in all lines of the insurance business • Filing of direct or subrogated damage claims • Investigations of facts • Legal assessment of facts and issues related to foreign cases • Mandating and co-ordinating experts for all fields of • specialty • Insurance fraud: identification and prevention • Consulting regarding international activities • Auditing 5.

  6. GREEN CARD SYSTEM 6.

  7. London Vienna Bucharest Baku 7.

  8. Hammerfest – Punta de Tarifa: 5493 km Hammerfest 5493 km London 4786 km 3770 km Vienna Bucharest 2830 km Baku Punta de Tarifa 8.

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  10. Green Card Claims:2011 – 371.2712010 – 381.3532009 – 345.7462005 – 342.9632000 – 447.3611999 – 291.730Objectives:* Free flow of cross border traffic* Guarantee to victims* Aim of regulations: consumer protection 10.

  11. 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 11.

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  15. Legal basis for jurisdictionPrinciple/EU Regulation 44/2001Art. 2/5: - Country of residence of Insurer - Country where the accident occurred - Direct applicability of the regulation - no transposition in national law required 15.

  16. Legal Bases of International Private Law • Hague Convention of 1971 Lex loci delicticommissi (art.3) • National Dispositions in International Private Law • Rome II Regulation (art. 4) • applicability of the law in which the damage occurred (par. 1) • law of the country in which liable person and victim have their habitual residence (par. 2) • closer connection with other country (par. 3) 16.

  17. * Knowledge of the applicable legal system* Language skills * Efficient organization or operational processes* Modern technology* Networked international organization* Financial background Requirements for Correspondents (Green Card) and Representatives (4th Directive) 17.

  18. Unique and coherent System:National Bureaux GC SystemGuarantee fundsCompensation bodiesInformation CentersForms of regulations: * Domestic* Bilateral * MultilateralAim of regulations: CONSUMER PROTECTION 18.

  19. Who is consumer? * Insured * VictimThree pillars:1. Green Card System  based on existing certificate deemed insurance cover2. System of the EU Directives 3. Protection of victims agreement 19.

  20. Aims for the future: • Equal rights for the road users • Real guaranties for victims • One aim – different methods • Road safety • Fraud 20.

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  23. The number of claim files notified in 2012 (percentage) The number of claims notified to the handling companies in 2011 and 2012 No. files 23.

  24. ROMANIAArea: 238,391 km2 Population: 19,042,9362012: 26.650 accidents - with victims 2.018 persons - lost their lives 8.768 persons - severely injured 24.728 persons - slightly injured 67.380accidents - material damages only - indemnities for bodily injuries and demise grew up with 23%- car fleet in Romania: over 5,7 Mil. registered vehicles- 11 Insurers undertakings authorized to carry out TPL insurance business 24.

  25. Romanian MTPL Insurance The compensation limits in the MTPL insurance contract for 2013: - material damages: 1 Million Euro • bodily injuries and demise: 5 Million Euro CEDAM – a database of MTPL insurance concluded in Romania. • verify the validity of an MTPL (RCA) insurance policy • view the insurance company issuing the policy 25.

  26. In max. 3 months since the claimant notification’s date: the claim must be settled; • >3 months in criminal cases; • Sanction: 0,2% penalties per DAY from the indemnity value; • Integrated calculation systems for repair costs (Audatex, DAT, Eurotax); • Programs for verifying the vehicle’s history and life; • Claims assessment: new part for old damaged part; • Over 7.000 authorized repair units / workshops. 26.

  27. The only thing that is permanent is change. Heraclitus (535-475 BC), ancient Greek philosopher Without dynamic entrepreneurs willing to take risks, a market economy is inconceivable. 27.

  28. Everything in life has a price that you must pay. The later you pay it, the more expensive it will get. 28.

  29. AVUS Internationale Schadensregulierungen J.Pscheidl & Dr.Pscheidl Gesellschaft m.b.H.& Co. KG Always up to date Very reliable Uncomplicated Service-oriented 29.

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