direct ec european parliament council approxim law member state relat insur civil liabil respect motor vehicl amend council direct eec eec fourth motor insur direct european parliament council european union regard treati establish european commun articl thereof regard propos commiss regard opinion econom social committe act accord procedur laid articl treati light joint text approv concili committe april present differ exist provis laid law regul administr action member state relat insur civil liabil respect motor vehicl differ constitut obstacl free movement person insur servic approxim provis order promot sound function singl market direct eec council adopt provis approxim law member state relat insur civil liabil respect motor vehicl enforc oblig insur liabil direct eec council adopt provis coordin law regul administr provis relat direct insur life assur lai provis facilit effect exercis freedom provid servic green card bureau system ensur readi settlement claim injur parti countri parti european countri green card bureau system solv problem injur parti claim countri parti resid insur undertak authoris foreign legal system foreign languag unfamiliar settlement procedur unreason delai settlement resolut octob settlement claim aris traffic accid occur claimant countri origin european parliament act paragraph articl treati call commiss submit propos european parliament council direct solv problem fact supplement arrang establish direct eec eec eec order guarante injur parti suffer loss injuri result motor vehicl accid compar treatment irrespect commun accid occur accid fall scope direct occur state injur parti resid gap regard settlement injur parti claim applic direct accid occur countri cover green card system affect injur parti resid commun involv vehicl insur base member state impli extens compulsori territori coverag motor insur provid articl direct eec entail give injur parti direct action insur undertak respons parti satisfactori solut injur parti suffer loss injuri result motor vehicl accid fall scope direct occur state resid entitl claim member state resid claim repres appoint insur undertak respons parti solut enabl damag suffer injur parti member state resid dealt procedur familiar system claim repres injur parti member state resid affect substant law appli individu case matter jurisdict exist direct action insur undertak parti suffer loss injuri logic supplement appoint repres improv legal posit injur parti motor vehicl accid occur parti member state resid order fill gap question provid member state insur undertak authoris requir undertak appoint claim repres resid establish member state collect inform relat claim result accid action settl claim behalf account insur undertak includ payment compens therefor claim repres suffici power repres insur undertak relat person suffer damag accid repres insur undertak nation author includ court compat rule privat intern law conferr jurisdict activ claim repres suffici order confer jurisdict court injur parti member state resid rule privat intern law conferr jurisdict provid appoint repres respons settl claim condit access carri activ insur list class point annex direct eec carrier liabil condit cover singl offici authoris issu author member state insur undertak establish head offic titl ii direct eec condit appli insur undertak head offic commun secur authoris grant access activ insur member state commun direct eec amend supplement addit ensur insur undertak repres state injur parti resid guarante specif injur parti claim settl promptli includ nation law effect systemat financi equival administr penalti injunct combin administr fine report supervisori author regular basi spot check public nation offici journal press suspens activ compani prohibit conclus contract period design special repres supervisori author respons monitor busi run line insur law withdraw authoris busi line sanction impos director manag staff event insur undertak repres fail fulfil oblig make offer compens reason time limit prejudic applic measur supervisori law consid condit liabil damag injuri sustain disput insur undertak make reason offer prescrib time limit reason offer compens write ground basi liabil damag assess addit sanction provid interest payabl amount compens offer insur undertak award court injur parti offer made prescrib time limit member state exist nation rule cover requir late payment interest provis implement refer rule injur parti suffer loss injuri result motor vehicl accid difficulti establish insur undertak provid insur civil liabil respect motor vehicl involv accid interest injur parti member state set inform centr ensur inform made promptli inform centr make injur parti inform claim repres centr cooper respond rapidli request inform claim repres made centr member state centr collect inform actual termin date insur cover expiri origin valid polici durat contract extend ow cancel specif provis made respect vehicl govern militari vehicl fall exempt oblig insur civil liabil injur parti legitim interest inform ident owner usual driver regist keeper vehicl obtain compens person vehicl duli insur damag exce sum insur inform provid inform provid address owner usual driver vehicl number insur polici registr number vehicl constitut person data mean direct ec european parliament council octob protect individu regard process person data free movement data process data requir purpos direct compli nation measur pursuant direct ec address usual driver commun nation legisl commun make provis compens bodi injur parti appli insur undertak fail appoint repres manifestli dilatori settl claim insur undertak identifi guarante injur parti remain compens entitl intervent compens bodi limit rare individu case insur undertak fail compli duti spite dissuas effect potenti imposit penalti role plai compens bodi settl claim respect loss injuri suffer injur parti case capabl object determin compens bodi limit activ verifi offer compens made accord time limit procedur laid assess merit legal person subrog law injur parti claim person respons accid insur undertak insur undertak social secur bodi entitl present claim compens bodi compens bodi subrog compens injur parti order facilit enforc compens bodi claim insur undertak fail appoint claim repres manifestli dilatori settl claim bodi provid compens injur parti state enjoi automat reimburs subrog right injur parti part bodi state insur undertak establish bodi institut proceed recours insur undertak member state provid claim compens bodi subsidiari injur person oblig present claim person respons accid present compens bodi case injur parti posit case claim guarante fund articl direct eec system made function mean agreement compens bodi establish approv member state defin function oblig procedur reimburs imposs identifi insur vehicl provis made ultim debtor respect damag paid injur parti guarante fund provid articl direct eec situat member state insur vehicl caus accid base imposs identifi vehicl provis made ultim debtor guarante fund provid articl direct eec situat member state accid occur adopt direct articl scope object direct lai special provis applic injur parti entitl compens respect loss injuri result accid occur member state member state resid injur parti caus vehicl insur base member state prejudic legisl countri civil liabil privat intern law direct appli injur parti resid member state entitl compens respect loss injuri result accid occur countri nation insur bureaux defin articl direct eec join green card system accid caus vehicl insur base member state articl appli case accid caus vehicl insur establish member state state resid injur parti base member state state resid injur parti articl appli accid caus countri vehicl cover articl direct eec articl definit purpos direct quot insur undertak quot mean undertak receiv offici authoris accord articl articl direct eec quot establish quot mean head offic agenc branch insur undertak defin articl direct eec quot vehicl quot mean vehicl defin articl direct eec quot injur parti quot mean injur parti defin articl direct eec quot member state vehicl base quot mean territori vehicl base defin articl direct eec articl direct action member state ensur injur parti refer articl accid mean provis enjoi direct action insur undertak cover respons person civil liabil articl claim repres member state measur ensur insur undertak cover risk classifi class point annex direct eec carrier liabil appoint claim repres member state receiv offici authoris claim repres respons handl settl claim aris accid case refer articl claim repres resid establish member state appoint choic claim repres discret insur undertak member state restrict choic claim repres work insur undertak claim repres relat claim collect inform connect settlement claim measur negoti settlement claim requir appoint claim repres preclud injur parti insur undertak institut proceed directli person caus accid insur undertak claim repres possess suffici power repres insur undertak relat injur parti case refer articl meet claim full capabl examin case offici languag member state resid injur parti member state creat duti back effect systemat financi equival administr penalti effect month date injur parti present claim compens directli insur undertak person caus accid claim repres insur undertak person caus accid claim repres requir make reason offer compens case liabil contest damag quantifi insur undertak claim compens address claim repres requir provid reason repli point made claim case liabil deni determin damag fulli quantifi member state adopt provis ensur offer made month time limit interest payabl amount compens offer insur undertak award court injur parti commiss report european parliament council implement paragraph subparagraph effect provis equival nation penalti provis januari submit propos appoint claim repres constitut open branch mean articl direct eec claim repres consid establish mean articl direct eec establish mean brussel convent septemb jurisdict enforc judgment civil commerci matter articl inform centr purpos allow injur parti seek compens member state establish approv inform centr respons keep regist inform registr number motor vehicl base territori state question number insur polici cover vehicl risk classifi class point annex direct eec carrier liabil period valid polici expir date termin insur cover ii number green card frontier insur polici vehicl cover document case vehicl benefit derog provid articl direct eec insur undertak cover vehicl risk classifi class point annex direct eec carrier liabil claim repres appoint insur undertak accord articl name notifi inform centr accord paragraph articl list vehicl member state benefit derog requir civil liabil insur cover accord articl direct eec vehicl provid point author bodi design accord subparagraph articl direct eec respons compens injur parti case procedur provid indent articl direct eec applic vehicl benefit derog provid articl direct eec ii bodi cover vehicl member state base vehicl benefit derog provid articl direct eec coordin compil dissemin inform assist entitl person appris inform mention point inform point preserv period year termin registr vehicl termin insur contract insur undertak refer paragraph notifi inform centr member state address claim repres appoint accord articl member state member state ensur injur parti entitl period year accid obtain delai inform centr member state resid member state vehicl base member state accid occur inform address insur undertak number insur polici address insur undertak claim repres state resid injur parti inform centr cooper inform centr provid injur parti address owner usual driver regist keeper vehicl injur parti legitim interest obtain inform purpos provis inform centr address insur undertak vehicl registr agenc vehicl benefit derog provid articl direct eec inform centr inform injur parti author bodi design accord subparagraph articl direct respons compens injur parti case procedur provid indent articl direct applic vehicl benefit derog provid articl direct eec inform centr inform injur parti bodi cover vehicl countri base process person data result previou paragraph carri accord nation measur pursuant direct ec articl compens bodi member state establish approv compens bodi respons provid compens injur parti case refer articl injur parti present claim compens bodi member state resid month date injur parti present claim compens insur undertak vehicl caus accid claim repres insur undertak claim repres provid reason repli point made claim insur undertak fail appoint claim repres state resid injur parti accord articl case injur parti present claim compens bodi present claim compens directli insur undertak vehicl caus accid receiv reason repli month present claim injur parti present claim compens bodi legal action directli insur undertak compens bodi action month date injur parti present claim compens termin action insur undertak claim repres subsequ make reason repli claim compens bodi immedi inform insur undertak vehicl caus accid claim repres compens bodi member state insur undertak establish issu polici person caus accid receiv claim injur parti respond claim month present claim provis prejudic member state regard compens bodi subsidiari subsidiari make provis settlement claim bodi person person caus accid insur undertak social secur bodi requir compens injur parti respect accid member state bodi make payment compens subject condit laid direct injur parti establish person liabl unabl refus pai compens bodi compens injur parti member state resid entitl claim reimburs sum paid compens compens bodi member state insur undertak establish issu polici bodi subrog injur parti right person caus accid insur undertak compens bodi member state resid injur parti provid compens loss injuri suffer member state oblig acknowledg subrog provid member state articl effect agreement conclud compens bodi establish approv member state relat function oblig procedur reimburs date fix commiss ascertain close cooper member state agreement conclud commiss report european parliament council implement articl effect juli submit propos articl imposs identifi vehicl month accid imposs identifi insur undertak injur parti appli compens compens bodi member state resid compens provid accord provis articl direct eec compens bodi claim condit laid articl direct insur undertak identifi guarante fund provid articl direct eec member state vehicl base case unidentifi vehicl guarante fund member state accid place case countri vehicl guarante fund member state accid place articl direct eec amend articl point ad quot commun address claim repres appoint member state member state authoris sought risk cover classifi class point annex carrier liabil quot articl point ad quot commun address claim repres appoint member state member state authoris sought risk cover classifi class point annex carrier liabil quot articl direct eec amend articl subparagraph ad quot insur undertak fail appoint repres member state give approv claim repres appoint accord articl direct ec assum function repres appoint paragraph quot articl implement member state adopt publish juli law regul administr provis compli direct forthwith inform commiss thereof appli provis januari measur adopt member state refer direct accompani refer occas offici public method make refer laid member state prejudic paragraph member state establish approv compens bodi accord articl januari compens bodi conclud agreement accord articl juli commiss propos measur design ensur provis articl effect januari member state accord treati maintain bring forc provis favour injur parti provis compli direct member state commun commiss text main provis domest law adopt field govern direct articl entri forc direct enter forc dai public offici journal european commun articl penalti member state fix penalti breach nation provis adopt implement direct step secur applic penalti effect proport dissuas member state notifi provis commiss juli subsequ amend thereof articl addresse direct address member state brussel european parliament presid nicol fontain council presid manuel carrilho oj oj oj opinion european parliament juli oj confirm octob council common posit oj decis european parliament decemb publish offici journal decis council publish offici journal decis european parliament oj direct amend direct eec oj oj direct amend direct eec oj oj council direct eec decemb approxim law member state relat insur civil liabil respect motor vehicl oj direct amend direct eec oj council direct eec approxim law member state relat insur civil liabil respect motor vehicl oj council direct eec juli coordin law regul administr provis relat take pursuit busi direct insur life assur oj direct amend direct ec oj council direct eec june coordin law regul administr provis relat direct insur life assur amend direct eec eec life insur direct oj direct amend direct ec oj oj oj consolid version direct ec european parliament council approxim law member state relat insur civil liabil respect motor vehicl amend council direct eec eec oj