Green Card System

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Green Card System Basic rules
Mariusz W. Wichtowski Baku 4.07.12
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Key terms

• Protection
• Trust
• Uninsured driving
• Monitoring
• Financial Guarantee Criteria
• Fraud

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Do we remember?

• Paradox with consequences
• Recomendation No 5 1949

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Council of Bureaux

• Non political organization
• Technical aspects only
• Since 1 January 1953
• Facilitator of international road traffic and
  victims protection

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Objectives

• Free flow of cross border traffic
• Guarantee to victims

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Some statistics

• Members of the GC System 46
• Multilateral Agreement 33
• GC basis 13

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(No Transcript)
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Some statistics

• Population of Europe 750 million
• No of vehilcles 350 million
• EU yearly died 50.000
• EU yearly injured 150.000

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Green Card Claims

• 2010 381.353
• 2009 345.746
• 2005 342.963
• 2000 337.361
• 1999 291.730

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Green Card Claims
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Green Card Claims

• over 1,7 billion Euro/ year

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Mutual trust

• Basis of the GC System
• Pay Cry Dispute
• Close cooperation
• Stress on insurers
• Consequence on all market

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How to become a member?

• National Bureau
• MTPL law
• Financial guaranties
• Undertaking to UN

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How to become a member?

• Transitional member
• Period 10 years
• Financial guaranties
• Monitoring

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Important bodies

• Bureaux
• Agents
• Correspondents

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Competence of the Bureau

• Handling Bureau
• Claims settlement in the country where accident
  happened
• According to legal system of that country
• Independent of position of the guaranteeing
  Bureau
• Guaranting Bureau
• Reimbursement of outlays
• Guarantee function

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Financial aspects

• Sufficient financing
• Difference of the economiclevel in individual
  regions
• Law of the country of accident determines minimum
  amounts insured and compensation

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Financial aspects
Selby Train Crash (UK) Damage about 50
million Euro / 10 persons killed Herborn
(D) Damage about 8 million Euro Mont-Blanc
Tunnel (FR) Damage about 464 million Euro /
39 persons killed Gotthard-Tunnel (CH)
Damage about 14 million Euro / 11 persons
killed
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Mutual trust

• Basis of the GC System
• Pay Cry Dispute
• Close cooperation
• Stress on insurers
• Consequence on all market

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Monitoring

• Subjects of the monitoring
• ? new applicants
• ? transitional members
• ? full members

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Forms of Monitoring

• ? monitoring
• ? preparing of the Financial Criteria
• ? checking of the financial standing
• ? assistance
• ? dealing with complains
• ? reporting to the Man Com

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Financial Guarantees Criteria

• Why we need it?
• Applicability of the Criteria
• Period of validity

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Financial Guarantees Criteria

• For CoB members only
• Type of financial guarantees
• Standard of the security
• Bank guarantee
• Reisurance program

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Sanctions

• ? obligatory monitoring
• ? financial guarantees
• ? financial penalties
• ? temporary suspention
• ? termination of membership

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What about scope?

• Do we know where
• are the borders of Europe?
• and
• What means border in our
• days?

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Are we all protected?

• We all?
• At the same level?
• Are we statisfied with existing level of the
  protection?

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Aims for the future

• Equal rights for the road users
• Real guaranties for victims
• One aim different methods
• Any common solution?

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Thank you very much for your kind attention