council direct approxim law member state relat insur civil liabil respect motor vehicl eec council european commun regard treati establish european econom commun articl thereof regard propos commiss cooper european parliament regard opinion econom social committe direct eec amend direct eec council adopt provis approxim law member state relat insur civil liabil respect motor vehicl enforc oblig insur liabil articl direct eec requir member state measur ensur civil liabil respect vehicl base territori cover insur extent liabil cover term condit insur cover determin basi measur direct eec amend act access spain portug reduc consider dispar level content compulsori civil liabil insur member state signific dispar exist insur cover motor vehicl accid victim guarante compar treatment irrespect commun accid occur gap compulsori insur cover motor vehicl passeng member state protect vulner categori potenti victim gap fill uncertainti applic indent articl direct eec remov compulsori motor insur polici cover entir territori commun interest parti insur insur polici guarante singl premium member state cover requir law cover requir law member state vehicl base cover higher articl direct eec requir member state set author bodi compens victim accid caus uninsur unidentifi vehicl provis prejudic member state regard compens bodi subsidiari subsidiari case accid caus uninsur vehicl victim requir member state prove parti liabl unabl refus pai compens claim bodi bodi victim bring action parti liabl bodi prevent requir victim compens establish parti liabl unabl refus pai event disput bodi refer civil liabil insur compens victim accid member state avoid delai payment compens victim ensur parti design respons instanc pai compens pend resolut disput motor vehicl accid victim difficulti find insur undertak cover liabil aris motor vehicl involv accid interest victim member state measur ensur inform made promptli previou direct civil liabil respect motor vehicl view consider supplement uniform manner addit lead greater protect parti insur victim accid facilit cross intern commun frontier establish function intern market high level consum protect basi term articl treati account extent effort made economi show differ develop member state grant transit arrang provis direct implement gradual adopt direct articl prejudic subparagraph articl direct eec insur refer articl direct eec cover liabil person injuri passeng driver aris vehicl purpos direct mean term vehicl defin articl direct eec articl member state step ensur compulsori insur polici civil liabil aris vehicl cover basi singl premium entir territori commun guarante basi singl premium member state cover requir law cover requir law member state vehicl base cover higher articl sentenc ad subparagraph articl council direct eec member state bodi make payment compens condit victim establish person liabl unabl refus pai articl event disput bodi refer articl direct eec civil liabil insur compens victim member state measur parti design respons instanc pai compens victim delai ultim decid parti paid part compens parti reimburs parti paid articl member state adopt measur ensur parti involv road traffic accid ascertain promptli ident insur undertak cover liabil aris motor vehicl involv accid decemb commiss present european parliament council report implement paragraph articl commiss submit propos council articl member state measur compli direct decemb forthwith inform commiss thereof except paragraph hellen republ kingdom spain portugues republ decemb compli articl ireland decemb compli articl pillion passeng motorcycl decemb compli articl vehicl compli articl articl direct address member state brussel council presid mallei oj oj oj oj oj oj