(No)Protection of Third Persons by Automotive Liability Insurance Contracts in Bosnia and Herzegovina Cover Image

(Ne)zaštićenost trećih osoba ugovorima o osiguranju od autoodgovornosti u Bosni i Hercegovini
(No)Protection of Third Persons by Automotive Liability Insurance Contracts in Bosnia and Herzegovina

Author(s): Alma Smailhodžić
Subject(s): Civil Law, Public Law, Law on Economics, Financial Markets
Published by: Pravni fakultet - Univerzitet u Zenici
Keywords: third person; motor vehicle liability; motor vehicle; damage; insurance;

Summary/Abstract: Under the Motor Vehicle Damage Liability Insurance Contract, a legal relationship is established between the insurer and the insured. However, if in the traffic accident the damage is caused to a third person, that person is entitled to compensation directly to the insurer of the motor vehicle liability insurance contract between the insurer and the owner of the vehicle engine, but not according to the basis of this contract, but according to the basis of the law itself. For this this kind of insurance we call extracontractual or legal insurance. The circle of third persons, the people who have the right to compensation by motor vehicle use in the movement, does not have the same magnitude in all countries. There are many factors that influence the width of the circle of third persons (the level of economic and civilizational development, the material possibility of certain countries, etc.). The development of insurance law up to now shows the trend of expanding the protection of the damaged, as well as an ever smaller number of people and victims of traffic accidents who are left out of the law for compensation.

  • Issue Year: 2017
  • Issue No: 20
  • Page Range: 92-113
  • Page Count: 22
  • Language: Bosnian