Article
Dec 24
Back

LIABILITY INSURANCE AS A (SOCIAL) RESPONSE TO THE CHANGING REGULATORY FRAMEWORK: FROM PROHIBITED TO COMPULSORY

Nataša Petrović Tomić

10.51204/Anali_PFUB_20404A
ABSTRACT /

The article analyzes the relationship between the institutions of liability and liability insurance, aimed at identifying the modalities of their interaction. Insurance indisputably affects the development and scope of tort law, but this influence is not one-sided. At the present development level it has been noted that liability insurance also plays an indispensable role in indemnity litigation. The development path of liability insurance shows that the developed legal order entails two mutually compatible systems. Whilst objective liability for damages is the response to numerous activities that render realistic the possibility of causing damage to others, regardless of whether the damage could have been avoided through cautious behavior, liability insurance is the response to the changed regulatory framework, which leads to liability reaching unprecedented proportions. Therefore, the author concludes that insurance does not threaten to substitute the principle of compensatory damages with the logic of loss-spreading.

DOWNLOAD COMPLETE ARTICLE /
English  
REFERENCES /
  • Abravanel-Jolly, Sabine. 2017. Droit des assurances. Paris: Dalloz.
  • Besson, André. 1992. Osiguranje i građanska odgovornost. Pravni život, No. 9–10: 2268–2276.
  • Bonnard, Jérôme. 2012. Droit des assurances. Paris: LexisNexis.
  • Ćurković, Marijan. 2015. Osiguranje od izvanugovorne i ugovorne (profesionalne) odgovornosti. Zagreb: Inženjerski Biro.
  • Delpoux, C. 1992. Assurance et responsabilité: un couple en crise. Risque, 79–85.
  • Eliashberg, Constant. 2006. Responsabilité civil et assurance de responsabilité civile, Paris: L’Argus de l’assurance.
  • Fagnart, Jean-Louis. 1988. La socialisation des risques par les mécanismes de la responsabilité civile et de l’assurance. in: Les assurances de l’entreprise, Vol. I. Bruxelles: Bruylant, 419–448.
  • Fagnart, Jean-Louis. 2013. La compensation du domagge, Entre le droit de nuire et la réparation de l’irréparable”, Évaluation du dommage, Responsabilité civile et Assurance, Liber Amicorum Noël Simar, Limal: Anthemis: 225–250.
  • Fagnart, Jean-Loius. 1994. Recherche sur le droit de la réparation. Mélanges R. O. Dalcq: Responsabilité et assurance, Bruxelles: Larcier, 135–157.
  • Fontaine, Marcel. 2016. Droit des assurances. Bruxelles: Larcier.
  • Frison-Roche, Anne-Marie. 2000. La dialectique entre responsabilité et assurance. Risque, 79–84.
  • Groutel, Hubert, Fabrice Leduc, Philippe Pierre, Maud Asselain. 2008. Traité du contrat d’assurance terrestre. Paris: LexisNexis.
  • Jankovec, Ivica. 1977. Obavezno osiguranje za štete od motornih vozila. Beograd: Savremena administracija.
  • Josserand, Louis. 1992. Evolucija odgovornosti. Pravni život, No. 9–10: 1164–1178;
  • Konstantinović, Mihajlo. 1992. Osnov odgovornosti za prouzrokovanu štetu. Pravni život, No. 9–10, Vol. I: 1153–1163.
  • Konstantinović, Mihajlo. 1982. Odnos između prava na naknadu štete i prava na osiguranu sumu. Anali, No. 3–4: 496–505.
  • Karanikić Mirić, Marija. 2013. Objektivna odgovornost za štetu. Belgrade: University of Belgrade Faculty of Law.
  • Karanikić Mirić, Marija. 2011. Odgovornost vlasnika motornog vozila kao preduslov odgovornosti osiguravača. Pravni život, No. 10: 685–707.
  • Lambert-Faivre, Yvone. 1981. Réflexions sur la nature juridique des assurances de responsabilité. 193–201 in Mélanges dédiées à Jean Vincent. Paris: Dalloz.
  • Lambert-Faivre, Yvonne, Laveneur Laurent. 2018. Droit des assurances. Paris: Dalloz.
  • Mayaux, Luc. 2011. Les grandes questions du droit des assurances. Paris: L. G. D. J.
  • Merkin, Robert, Jenny Steele. 2013. Insurance and The Law of Obligations. London: Oxford University Press.
    https://doi.org/10.1093/acprof:oso/9780199645749.001.0001
  • Petrović Tomić, Nataša. 2019. Pravo osiguranja, Sistem, Knjiga I. Belgrade: Službeni glasnik.
  • Petrović Tomić, Nataša. 2011. Osiguranje od odgovornosti direktora i članova uprave akcionarskog društva za osiguranje. Belgrade: Faculty of Law.
  • Petrović Tomić, Nataša. 2020. Klauzula o vođenju spora u modernom osiguranju od odgovornosti. Evropska revija za pravo osiguranja, No. 2: 19–30.
  • Sanz Parilla, Milagros. 2010. Art. 68. Definicíon del seguro de responsabilidad civil, Comentario al Anteproyecto de Ley de Contrato de Seguro. Revista Espaňola de Seguros, No. 143–144: 817–825.
  • Sokal, Vojislav. 1992. Štete pokrivene osiguranjem i njihova naknada. Pravni život, No. 11–12: 2325–2338.
  • Stojanović, Dragoljub. 1992. Istorijski razvoj i ciljevi građansko-pravne odgovornosti za prouzrokovanu štetu. Pravni život, No. 9–10: 1179–1190.
  • Tunc, André. 1982. Responsabilité civile et assurance, Hommage à René Dekkers, Bruxelles: Bruylant, 343–357.
  • Wandt, Manfred. 2010. Versicherungsrecht, 5th ed. Köln: Carl Heymanns Verlag.