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Insurance Law

Original Language Title: Liikennevakuutuslaki

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Transport insurance law

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In accordance with the decision of the Parliament:

CHAPTER 1

General provisions

ARTICLE 1

The person or property damage caused by the use of a motor vehicle (hereinafter referred to as 'road accident') is replaced by the transport declaration for the vehicle under this Act. The accident caused by a State-owned vehicle is replaced by State resources, as the state would have provided insurance.

On the basis of this law, a motor vehicle whose permanent head office is situated outside Finland does not, subject to Article 15, replace the personal injury of the driver or the owner. (16.4.1993/361)

In addition, in accordance with this law, the loss of traffic caused by the use of motor vehicles in Finland in the rest of the European Economic Area shall also be replaced by road damage, unless the compensation for damage caused by the accident in the country of occurrence of the accident Legislation requires better insurance cover. Similarly, a road accident which has occurred in a transit area by a direct route from one Member State to another Member State shall also be replaced. Where no national agency is responsible for a transit area, road damage shall be replaced by the legislation in force in the Member State in which the vehicle is situated. (29.12.1994/1)

Where the traffic accident in Finland is caused by a vehicle normally based in another Member State of the European Economic Area, the damage may be replaced by the law of that Member State, if the insurance cover it requires is Finnish legislation. Better. (16.4.1993/361)

The permanent seat of the vehicle means the territory of the State in which the vehicle registration plate has been issued. Where registration is not required for a particular type of vehicle, but the vehicle has an insurance plate or a registration plate, the permanent seat of the vehicle means the territory of the State where the insurance plate or identification mark is Given. Where certain types of vehicles do not require a registration plate, an insurance plate or an identification mark, the permanent residence of the vehicle shall mean the territory of the State in which the holder of the vehicle has a permanent place of residence. However, where the registration plate is false or illegal, the permanent seat of the vehicle shall mean the territory of the State in which the accident occurred. (29.06.2007)

On the basis of reciprocity, the Regulation may provide for the replacement of road damage caused by a particular State in accordance with this law. (16.4.1993/361)

ARTICLE 2

The motor vehicle is not within the meaning of this Act:

Paragraph 1 has been repealed by L 16.4.1993/361 . (16.4.1993/361)

(2) when the place of transport in a separate place is used for the work of the farm economy or for an essential purpose other than the transport of persons or goods; (5.12.1974/898)

(3) where it is to be stored or repaired in a car shed or workshop in a place separate from the traffic cones; and (5.12.1974/898)

4) when used in transport-isolated areas for competition, exercise or experimentation. (5.12.1974/898)

ARTICLE 3

According to this law, the motor vehicle is a machine-powered vehicle or a machine intended to travel, including a means of transport, which is designed to move only to a means of transport or to a working machine. However, the Regulation may provide that a vehicle is not considered to be a vehicle or a working machine with a low weight or speed and not a light towed vehicle.

§ 3a (5.12.1974/898)

The provisions of this Act concerning the owner of a motor vehicle shall also apply to the holder of another motor vehicle assigned to permanent control.

CHAPTER 2

Compensation for transport damage

§ 4

Traffic damage shall be reimbursed if, as otherwise specified below, the motor vehicle's motor vehicle insurance, although no one is personally liable for the use of the vehicle on the basis of its use.

§ 5 (16.4.1993/361)

The accident shall not be replaced by motor vehicle traffic insurance when it has been targeted:

(1) in the case of loading, unloading, or any other performance, when this motor vehicle is immobile with the vehicle owner, driver or any other person carrying out the work referred to in this connection;

(2) the loading, unloading or other work carried out in respect of the property to which it relates or any other motor vehicle involved in this activity;

(3) on the transport corridor, not controlled by the animal other than the reindeer, unless the vehicle owner, driver or passenger has been intentionally or negligently causing damage; or

(4) property in this motor vehicle or in any other property of the owner or driver of the vehicle; it shall, however, be replaced by the damage to the passenger or any of the other personal use of the occupants or other personal use.

ARTICLE 6

The compensation for traffic damage shall be governed by the (412/1974) Articles 2, 2a to 2d, 3, 4, 4a, 4b, 5, 7 and 8, and Chapter 7, Section 3. However, there is no right to compensation for pain and suffering and for other temporary disadvantages if personal injury has been limited, and Article 5 (5) of the Law on Compensation In the cases referred to in paragraph 3. (16.6.2004)

Paragraph 2 has been repealed by L 16.6.2004/510 .

Damage to a motor vehicle shall be entitled to compensation, either by a repair cost or by an equivalent amount, when the motor vehicle has been destroyed or cannot be repaired at a reasonable cost, as immediately prior to The fair value of what happened, when the damaged or destroyed vehicle must be surrendered to the payer.

If the owner or driver of a motor vehicle is entitled to, or is entitled to, compensation for personal injury caused by the use of the vehicle which he owns or is carrying on the basis of the accident insurance law, it shall be replaced by: Of the said vehicle insurance cover only part of the damage which is not covered by the accident insurance law. (08.06.2008)

In addition, the reimbursement of costs of medical treatment resulting from road damage is provided for in Articles 6a and 6b of this Act. (30.12.2004)

§ 6a (30.12.2004)

The injured person shall be entitled to compensation for medical treatment necessary for an injury or illness, which shall be provided without unnecessary costs, (186/1972) , Special Health Care Act (18/02/1989) And health care legislation (1326/2010) On the basis of public health care, the law on private healthcare (152/1990) Within the meaning of the Law on services or health professionals (559/1994) , where the insurance company has provided for the reimbursement of the management of the commitment as provided below. (30.12.2010/1344)

The insurance company has the right to choose the place where the injury or disease is required. The place of treatment shall be one where the injured person receives the treatment required for the injury or illness caused by the accident. The insurance company shall immediately inform the injured person or his guardian, as well as the Public Health Service, where the damage is done, without delay.

However, the commitment referred to in paragraph 1 shall not be required for the first reception of the doctor and the minor management measures immediately associated with it. A minor management measure means an ordinary, radiological examination, gypsum, sidonable or other similar measure on the occasion of the reception. Furthermore, the commitment is not required for urgent medical treatment, which is necessary for the immediate threat of injury or damage to health.

§ 6b (30.12.2004)

The public health care provided for in Article 6a (1) of this Law shall be carried out in the form of a public health care allowance in the form of compensation for the treatment of social and health care (18/04/1992) The customer charge levied on the basis of the charges. In addition, unless otherwise provided for in this Act, the insurance company shall pay the costs incurred by the municipality or the municipality of affiliation for the provision of care in respect of social and health care charges in accordance with Article 13 (a) § a qualifying fee.

In accordance with Article 6 (a) (1) of this Law, the service provided as a self-employed and self-employed person under the law on health care shall be remunerated in accordance with the commitment.

Where the treatment referred to in paragraph 2 applies to urgent treatment in accordance with Article 6a (3), or to the first medical visit and the minor treatment measures immediately associated with it, the compensation shall be paid in accordance with Included. In the case of urgent care and the first medical visit and related minor management measures in the public health sector, compensation shall be paid in accordance with paragraph 1.

If the damaged treatment is continued in a non-commitment care facility, the insurance company shall be obliged to reimburse the cost of the treatment which it would have had to pay for the corresponding treatment itself. Health care in accordance with the law on social and health care charges.

If the health care unit providing health care as a public health care unit fails to comply with the notification of initiation of the treatment referred to in Article 13b (1) of the Social and Health Insurance Act, The insurer is obliged to pay to the municipality or to the consortium of municipalities by virtue of Article 13a of that law only the treatment given after the notification obligation has been fulfilled.

The fee referred to in Article 13a (1) of the Social and Health Customer Charges Act does not take place in the case of permanent 24-hour institutionalised care due to injury or illness caused by road damage. Treatment should not be considered permanent until treatment has continued for a continuous period of at least three months.

§ 7 (20.12.2002/1144)

If a person has deliberately caused personal injury, the compensation shall be paid only in so far as other circumstances have contributed to the injury. In the event of serious negligence on the part of a person who has contributed to the injury suffered by him, the compensation may be reduced or refused on the basis of reasonable circumstances.

Compensation for property damage may be reduced or refused on the basis of the contribution suffered by the injured party, taking into account the degree of guilt and other circumstances of the injury suffered.

If a person or property damage has been caused by an unauthorised vehicle and he knew or should have known about the unauthorized use of the vehicle, he or she shall be compensated by the vehicle For transport insurance only for a specific reason.

If a person has suffered a personal injury when driving a vehicle in such a condition that the alcohol content of his blood was at or after driving during or after driving, or at least 0,53 milligrams of alcohol per litre In the case of alcohol or any other narcotic substance other than alcohol or under the co-effect of alcohol and other narcotic drugs, when driving a vehicle under the influence of alcohol or drugs other than alcohol, or There was a significant deterioration in the impected performance of the On the vehicle traffic insurance only for a specific reason.

Where a person has suffered personal injury while driving a vehicle under the influence of alcohol or any other narcotic substance, or under the combined effect of alcohol and other drugs, other than in the cases mentioned in paragraph 4, The compensation for personal injury shall be reduced accordingly, depending on the injury suffered.

Where a personal injury occurs when the vehicle is immobile and has not occurred at the time of stopping or leaving the vehicle, the compensation may be reduced or refused to the extent that the injured party's share of the damage and other In view of the circumstances of the injury, it is reasonable.

§ 8

When a motor vehicle caused by a motor vehicle has been subject to another motor vehicle, a vehicle or a person or property in such a vehicle, it does not damage the insulation of the former vehicle, Unless the damage was caused by the fault of the owner, the driver or the passenger, or the fact that the vehicle or the vehicle was in breach of the traffic rules and that the vehicle was in a state of inadequacy.

If, in addition, on the side of the injury suffered by the producer or any other entity referred to in paragraph 1, the Court of Justice shall, taking into account the right to do so, all the factors contributing to the injury, to what extent and to whom the compensation must be paid. However, compensation for personal injury shall be paid according to the provisions of Article 7.

§ 9

In total, a total amount of eur 3 300 000 for each loss of life insurance for each accident shall be reimbursed to a maximum of eur 3 300 000 for each loss of traffic related to property or directly related to the property. (12/09/98)

If the maximum amount provided for in paragraph 1 is not sufficient for full compensation, it shall be allocated in proportion to the amount of compensation to be reimbursed. When the compensation claims for damages have been resolved, the fact that anyone who has not received compensation will have the right to reimburse her injury even if the maximum amount of the compensation To be exceeded, but not by more than he would have obtained if he had originally been among the recipients of compensation.

The amount of the euro provided for in this Article may be amended by the Regulation in line with developments in the general price level. (12/09/98)

ARTICLE 10 (16.4.1993/361)

If, in the event of a traffic accident, there was no insurance for the motor vehicle, or if it has not been ascertained which vehicle has caused the damage, the accident insurance centre would be responsible for the accident as if it had been insured. However, the injury caused by an unknown vehicle shall be replaced by a motor insurance centre only if the damage is personal injury or damage to property caused by material injury or has been subject to a hoof or The cloven-hoof. (29.06.2007)

If the damage has been directed against the owner of the motor vehicle which caused the damage to the breach, it is not responsible for the accident insurance centre. Similarly, the Centre shall not be liable for any damage if the damage has been directed to the driver of the vehicle which caused the damage and he knew or should have known that the vehicle was not insured.

If, following a traffic accident on a road transport accident, it is necessary immediately to transport him to receive treatment, it is the motor insurance centre, if the transport has been used for a motor vehicle, To pay compensation for the cost of transport and the damage and contamination of the clothing of the person accompanying the motor vehicle and the injured person. This liability shall not apply to any other injury suffered during transport during transport.

The Motor Insurance Centre shall be liable for the damage caused by the vehicle insured under Article 15 (4). (13/121999/1130)

Article 10a (29.06.2007)

If a motor vehicle accident in Finland has been caused by a motor vehicle which has its permanent head office in Finland and for which there is no obligation to take motor insurance, the State shall be liable for the damage as it would have granted motor insurance.

If the vehicle referred to in paragraph 1 has caused a traffic accident in another EEA State other than Finland, the Motor Insurance Centre shall be liable for the damage as it would have granted transport insurance.

If the traffic accident in Finland has been caused by a motor vehicle which is normally based in another EEA State other than Finland, for which there is no obligation in that State to take motor insurance, the Motor Insurance Centre Shall be liable for the damage as it would have granted transport insurance.

The liability referred to in this Article shall also apply to the provisions of Article 10 (2).

In this article, the State is represented by the State Treasury.

CHAPTER 3

Compensation for transport damage

ARTICLE 11 (13.03.2009)

An action for damages under this law shall be instituted against the insurance company in force in the order in force within three years of the date on which the victim was informed of the damage and the The insurance company is responsible for the damage.

He who has not initiated proceedings within the period laid down in paragraph 1 shall lose his entitlement to compensation under this law. However, the same effect as the application of the action is that, within the period laid down in that paragraph, the transport insurance company concerned is to be certified in writing a written declaration containing information on the place of damage. And the time and the victim and his address.

Article 11a (2112/98)

The injured party shall have the right to claim compensation directly from the insurer under this law.

ARTICLE 12

However, where compensation is required as a result of damage to a motor vehicle from the owner, driver or passenger of a motor vehicle other than that under this law, the compensation for the liability of the insurer in accordance with the provisions in force And irrespective of whether or not he or she has suffered damage as well. This amount shall be collected only from the insurance company concerned, which is free of charge by paying compensation to the injured party. The insurance shall also pay compensation for the costs incurred by the injured party and the increase in compensation and interest on late payment as provided for in Article 12a. (21.12.1984/941)

The claim referred to in this Article shall not be admissible unless it is shown that the insurance company responsible for the damage has refused to pay the claimed compensation. The insurance company shall issue a written certificate for its refusal.

Article 12a (21.12.1984/941)

In the event of a delay in compensation for damage to a person under this law, the insurer shall pay compensation for the delay in the event of delay. The increase in compensation per year shall be Article 4 of the Corinth Act The interest rate referred to in paragraph 3. However, the obligation to pay compensation in the form of compensation does not apply to the coordination of the statutory insurance and pension institutions and to the right of recourse based on the right of recourse. (3.3.1995/324)

The increase in compensation referred to in paragraph 1 shall be calculated from each day of the delay, but not before three months after the end of the calendar month in which the injured party has presented to the insurer The claim and the justification for the claim and the amount of the compensation which may reasonably be required of him, taking into account the possibility for the insurance company to obtain a report. However, on the basis of the same decision, the increase shall be calculated from the due date.

Since the compensation has not been paid in the right time due to the injured party, the insurer shall not be required to pay the compensation increased over a longer period than the date on which the obstacle to the insurer's record has ceased. If payment of compensation is delayed as a result of a provision of the law, or in the event of a disruption of public transport or traffic, or any other force majeure such as that, the insurer shall not be required to pay compensation in the form of: The delay caused by the delay.

The increase in compensation, which is less than eur 5.5, shall not be paid. The amount shall be reviewed annually in the employees' pension code (395/1961) Article 7b By the wage coefficient provided for. The adjusted euro amount shall be rounded to the nearest ten cent. (10,12/0998)

Compensation for damage to property shall be paid in accordance with the interest on late payment, in accordance with the (263/82) Is provided for by default interest to the liability debt. However, there can be no derogation from the provisions of the Korkolai to the detriment of the legitimate interest of the delay.

The Ministry of Social Affairs and Health will, if necessary, advise the insurance companies on the application of this Article.

Pension pension for employees. 295/1961 Has been repealed by L 396/2006 . See. Employee's pension L ARTICLE 96 OF ARTICLE 96 . The salary factor is 1,363 in 2015. See: On the award of the pay coefficient referred to in Article 96 of the Pensions Act of the STMa 13/09/2014 . KorkoL Article 4 of the 3. Is no longer valid. L 340/2002 , where there is a reference elsewhere in the legislation, Article 4 of the Corinth Act Paragraph 3 shall be replaced by the following: Article 4 of the Corinth Act Paragraph 1.

ARTICLE 13

The insurance company responsible for transport damage, which has refused to pay the claim for damages, shall be summoned to the hearing referred to in Article 12 in writing, as provided for in the notification of the summons. The term of office shall be at least fourteen days. The invitation shall also include information on the victim and his address, as well as the owner and the distinguishing sign of the motor vehicle.

The insurance company has a right of appeal.

ARTICLE 14

If, as a result of the same traffic accident, the victim has the right to compensation for two or more transport insurance, the insurance companies are each for each and each other. Insurance companies shall take part in the payment of the compensation, depending on the negligence and other factors which caused the damage, but in such a way that, where the damage was caused solely by another In the case of vehicles which are incomplete or on the side of the vehicle, without taking account of other vehicles or other vehicles, the compensation shall be paid for transport insurance for the first vehicle.

Chapter 3a (2112/98)

Replacement of certain road damage abroad

Article 14a (2112/98)

If a Finnish insurance company or foreign insurance company law (398/1995) The insurance company of a third country intends to carry out insurance under this law in Finland or the Finnish insurance company intends to carry out insurance other than the liability insurance of the carrier in other categories of non-life insurance In the EEA State, the company shall designate a representative for each other EEA State.

The compensation representative shall be responsible for the handling and settlement of claims arising from road damage when:

(1) the accident occurred in another Member State of the European Economic Area (hereinafter referred to as: EEA State , as in the EEA State where the injured party is habitually resident or in a third country in which insurance against civil liability in respect of the use of motor vehicles and the enforcement of an insurance obligation The national agency referred to in Article 1 (3) of Council Directive 72/166/EEC on the approximation of the laws of the Member States has acceded to the green card system and the victim has his habitual residence in the EEA State; or

(2) the accident has been caused by the use of a vehicle for which a declaration is made in another EEA State and whose permanent seat is situated in another EEA State other than the EEA State where the injured party has his habitual residence.

The provisions of Articles 14 to 14h and 14m shall also apply where the traffic accident referred to in paragraph 2 has been caused by the use of a vehicle for which the insurance or permanent address is situated in the EEA State where: The victim has his habitual residence.

The provisions of Article 14m shall also apply where the accident occurred in another EEA State other than the EEA State in which the injured party is habitually resident, and where the traffic accident is caused by a vehicle with a permanent head office 2. In the third country referred to in paragraph 1.

Article 14b (2112/98)

The compensation agent shall live or be established in the EEA State to which he has been designated. The compensation agent may act on behalf of one or more insurance companies.

Article 14c (2112/98)

The insurance company referred to in Article 14a shall immediately provide for the approximation of the laws of the Member States relating to insurance against civil liability in respect of the use of motor vehicles and amending Council Directives 73 /239/EEC and 88 /357/EEC (hereinafter referred to as the Fourth Motor Insurance Directive) referred to in Article 5 of Directive 2000 /26/EC of the European Parliament and of the Council referred to in Article 5 of Directive 2000 /26/EC of the European Parliament and of the Council, on the basis of Article 14a thereof, Addresses and changes thereto.

Article 14d (2112/98)

For the purposes of the processing and settlement of the claims referred to in Article 14a (2), the compensation representative shall be entitled to represent the insurance company in charge of the accident and to carry out the compensation resulting from the damage.

The compensation representative shall be able to carry out the tasks referred to in paragraph 1 in the official language or languages of the EEA State in which the victim has his habitual residence.

Article 14e (2112/98)

The insurance company or its claims representative referred to in Article 14a shall, within three months of the date on which the victim has submitted a claim for compensation, replace the accident or damage referred to in Article 14a (2). Compensation offer if liability is not contested and if the amount of the damage is determined.

If the liability is partly or fully denied or is unclear, or if the amount of the damage is not fully determined, the insurance company or its claims representative shall, within the period specified in paragraph 1, give a reasoned reply Claim for compensation.

The delayed remuneration shall be remunerated on the interest of late payment in the interest rate law.

If the insurance company or its compensation agent does not comply with the provisions referred to in paragraphs 1 to 3, the financial supervision may be carried out by the Financial Supervisory Law (878/2008) To the control measures provided for in the insurance companies. (19/122008/902)

Article 14f (2112/98)

The motor insurance centre operates in Finland as a data centre within the meaning of Article 5 of the Fourth Motor Insurance Directive.

Article 14g (2112/98)

In order to safeguard the interests of the victims and to ensure the rapid availability of information in the case of a transport accident within the meaning of Article 14a, the Transport Insurance Centre collects and distributes information that has an impact on the provision of transport insurance compensation; and Shall assist in obtaining such information.

For the purpose of carrying out the task referred to in paragraph 1, the Motor Insurance Centre shall, in particular, organise the collection and distribution of the following information:

(1) Registration numbers of motor vehicles registered in Finland;

2) the numbers of motor insurance contracts;

(3) the date of expiry of the insurance if the declaration is completed;

Paragraph 4 is repealed by the L 29.6.2007/742 .

(5) the insurance companies referred to in Article 14a and the claims representatives appointed by them; and

6) vehicles for which, according to Article 15 (1), there is no transport insurance.

The Motor Insurance Centre shall be entitled to receive from the authorities or insurance companies responsible for the acquisition or maintenance of the information referred to in paragraph 2 until seven years after the date of removal of the vehicle. The register or the termination of an insurance contract.

Article 14h (29.06.2007)

The Motor Insurance Centre shall keep a register of claims representatives of insurance companies operating in the EEA States.

Upon request, the Motor Insurance Centre shall give the name and address of the owner or the registered holder of the vehicle which caused the damage to the injured party in Finland.

At the request of the Finnish Transport Insurance Centre, the insurance undertaking and the undertaking's address, the number of the insurance contract and the claims representative designated by the insurance undertaking in Finland shall be provided to the injured party in Finland at the request of the insurance undertaking, and this address: Provided that the accident occurred in the EEA State or in the State of the green card system and that the accident caused the accident caused by a vehicle insured in another EEA State other than the Finnish insurance company with a permanent Domiciled in a Member State other than Finland. However, the Motor Insurance Centre is not obliged to provide information on the accident that has elapsed between more than seven years.

The injured party in the EEA State other than that resident in Finland shall have the right to obtain the information referred to in paragraphs 2 and 3 from the Motor Insurance Centre where the permanent head office of the motor vehicle which caused the accident is in Finland or the accident is caused by: Occurred in Finland. In addition, the Motor Insurance Centre may require that the injury suffered by this article indicates that he has a legitimate reason for obtaining the information referred to in paragraph 2.

The Traffic Insurance Centre shall cooperate with the other EEA State Information Centre in order to supply the information referred to in paragraph 2 to the other EEA State Data Centre or to obtain equivalent information from the other EEA State Information Centre. To the injured party.

If the motor vehicle caused by the injury has been exempted from the obligation to be insured, the Motor Insurance Centre shall, at the request of the injured party, provide him with information on the authority responsible for the replacement of the accident caused by the vehicle.

Article 14i (2112/98)

The motor insurance centre operates in Finland as a compensation body within the meaning of the Fourth Motor Insurance Directive.

Article 14j (2112/98)

The injured party who has his habitual residence in Finland may, in the circumstances referred to in Article 14a (2), present his claims for compensation to the Motor Insurance Centre,

(1) in the case of a vehicle whose use was caused by the accident, the insurance company or its compensation agent did not provide a reasonable response to the claim within three months of the injury suffered by the injured party The insurance company or its claims representative; or

(2) if the insurer has failed to appoint a replacement agent in accordance with Article 4 (1) of the Fourth Motor Insurance Directive; however, the claim cannot be made to the compensation body if the victim has submitted a claim for compensation. Directly to the insurance company of the vehicle which caused the damage and received a reasoned reply within three months of the request.

The Motor Insurance Centre shall not be able to deal with the claim if the claimant has brought a claim against the insurer before the General Court.

Article 14k (2112/98)

The Motor Insurance Centre shall take measures to address the compensation issue within two months of the submission of the claims made to it by the injured party in accordance with Article 14j. The Centre shall not continue to work on the compensation issue if the insurance company or its claims representative gives a reasoned reply during the compensation procedure.

The Motor Insurance Centre shall immediately notify the claim and its intention to reply within two months:

(1) the insurance company or the claims representative of the vehicle which caused the damage;

(2) to the replacement body of the EEA State in which the insurance undertaking which issued the transport declaration is located; and

3) to the cause of injury if this is known to the Motor Insurance Centre.

Article 14l (2112/98)

The Motor Insurance Centre shall have the right to claim reimbursement of the compensation it has paid from the compensation body of the EEA State where the insurance company issuing the insurance contract is located.

If the compensation body is established in Finland and the institution of the EEA State in which the person who has suffered damage has paid the compensation, the insurance centre has a duty to make the reimbursement The compensation body of the Member State. In that case, the injured party's right to compensation from the cause of the damage or to the insurer shall be transferred to the Motor Insurance Centre in so far as the compensation body of the said EEA State has paid compensation for the damage suffered.

Article 14m (2112/98)

If the vehicle caused by the traffic accident referred to in Article 14a is not recognised or if the liability insurance company cannot be determined within two months of the damage occurring, the injured party who has his habitual residence in Finland shall: The right to seek compensation from the Motor Insurance Centre. In this case, the Centre shall be entitled to reimbursement, under the conditions laid down in Article 14l, as follows:

(1) if the insurance undertaking is not identified by the national guarantee fund referred to in Article 17 (1) of the EEA State in which the vehicle which caused the damage has its permanent seat;

(2) if the vehicle remains unidentified, the national guarantee fund of the EEA State in which the damage occurred; or

(3) in the case of a third-country vehicle, the national guarantee fund of the EEA State where the damage occurred.

CHAPTER 4

Motor insurance

§ 15 (16.4.1993/361)

For motor vehicles used for transport, the owner of the vehicle, but not the State, shall be covered by the insurance company referred to in Article 19. (29.12.1994/1)

To the owner of a motor vehicle imported for temporary use on the ground, the motor vehicle insurance centre provides, with limited traffic insurance, that he and the driver of the vehicle have the right to compensation on the basis of this motor insurance. Of personal injury only in the case of road damage caused in Finland. If the Centre is otherwise engaged in transport damage caused by a vehicle under this law, the owner of the undertaking shall be free from the obligation to be insured.

On the basis of reciprocity, the Regulation provides that the vehicle owner and the driver's right to compensation for personal injury, as referred to in paragraph 2, also applies to the motor vehicle insurance of a particular State.

Transport Safety Agency, Vehicle Registration Act (1100/1998) Article 3 Shall be issued by a contract registrant or a customs service issued by a customs service to the transport insurance centre. (22.12.2009)

The obligation to convince an importing motor vehicle under this law shall commence immediately after the purchase has been approved by the buyer. Motor insurance for a vehicle purchased and registered for export from Finland to another EEA State shall be covered by the legislation of the Member State of destination in accordance with the legislation of the Member State of destination when the vehicle is registered in Finland For export purposes. (29.06.2007)

L for vehicle registration activities 1100/1998 Has been repealed by L for vehicle registration activities 175/2015 , valid from 16 November 2015.

Article 15a (29.12.1994/1)

According to this law, transport insurance is valid on the basis of a single premium for all countries belonging to the European Economic Area.

Article 15b (11.12.2002/1099)

When carrying out a periodical survey, the applicant shall be obliged to check that the insurance premium in force has been paid.

In the case of a check, the premium shall be deemed to be paid, unless there is a record of a non-payment in the vehicle register. The premium shall also be deemed to be paid if a supporting document or other reliable statement of payment by an insurance company or an mfi is presented.

ARTICLE 16

The owner of a motor vehicle who has not had a motor vehicle insurance for the purpose of the vehicle, even if he should have had it, shall be required to carry out his or her non-compliance with the motor insurance centre in each case not exceeding Four times the average insurance premium or, where the accident has occurred, a maximum of 10 times the average premium equivalent to the average premium. The Insurance Supervisory Authority will decide on the determination of the average premium. Similarly, the owner must pay to the motor insurance company the compensation if the vehicle has been used in breach of the prior written notification to the company during the period during which the vehicle has been declared absent. Transport. The refund shall be assigned to the entire declared period of standing, subject to particular pressure. A refund referred to in this Article shall be enforceable without judgment or judgment. (29.1.1999/88)

If a motor vehicle has been surrendered to another permanent control, the holder shall, as a matter of priority, be obliged to perform a good measure in so far as it relates to his administration time and to the extent that it could have been paid to him. (5.12.1974/898)

§ 17 (16.4.1993/361)

The motor insurance centre shall act in accordance with the provisions of Annex IX to the Agreement on the European Economic Area, relating to insurance against civil liability in respect of the use of motor vehicles and to the Member States In accordance with Article 1 of Council Directive (72/166/EEC) on the approximation of the laws, regulations and administrative provisions relating to direct insurance other than life assurance Amending Directive 73 /239/EEC and Directive 88 /357/EEC In particular as a national agency and national guarantee fund within the meaning of Article 6 of Council Directive (90/618/EEC) on the liability insurance of motor vehicles. All insurance companies operating in Finland must belong to the motor insurance centre. The Centre may issue insurance and compensation measures as provided for in this Act.

The supervision of the policies and actuarial aspects of the operation of the Motor Insurance Centre shall be subject to the supervision of the Financial Supervisory Authority. The responsibilities of the Motor Insurance Centre for the implementation of this law, its administration and the obligation and the right of insurance companies to take part in the relationship between the insurer and the insurer of the company in question, or The expenditure and revenue of the Centre shall be governed by the Centre's rules, which shall be adopted by a Council Regulation after the Centre has been given the opportunity to make a proposal. The financial statements and audits of the Motor Insurance Centre are laid down by a decree of the Government. (19/122008/902)

The motor insurance centre is primarily responsible for the accident caused by an uninsured, unknown and motor vehicle in Finland, which has its permanent seat outside Finland. If the insurer is ultimately found to be liable, the Centre shall have the right to receive the amount he has paid. In addition, in the event of liquidation and bankruptcy of the Finnish insurance company, the Centre shall pay compensation after the transfer of the insurer and the corresponding assets to the Centre, as well as other insurance company law (521/2008) in Chapter 23, Article 21 And the tasks laid down in Article 49 of the Act on Foreign Insurance Companies. However, in the case of a liquidation or bankruptcy of a foreign insurance company whose home country is a member of the European Economic Area, the Centre's obligation to pay compensation starts from the time of the financial supervision. Where the Centre has paid compensation to the injured party, his entitlement to compensation for a clearing or bankruptcy shall be transferred to the Centre until it has been paid. (13/03/98)

The provisions of paragraphs 1 and 2 concerning the affiliation of an insurance company to the motor insurance centre and participation in the expenditure and revenue of the Centre shall apply accordingly to a foreign insurance company domiciled in the European Economic Area In a member state (foreign EEA insurance company) And from a foreign office, in Finland, carries out traffic insurance. (29.12.1994/1)

§ 17a (31.5.2002/442)

Article 17a has been repealed by L 31.5.2002/442 .

ARTICLE 18 (29.12.1994/1)

The general and specific insurance conditions of the motor insurance policy shall be notified in writing by the insurer in writing a month before their introduction to the Financial Supervisory Board. The task of financial supervision is to ensure that the conditions are in accordance with this law. (19/122008/902)

Where necessary, financial supervision may require an insurance company to submit a report to the Agency on the criteria, forms and other documents used by the company in its dealings with policyholders. (19/122008/902)

In view of the fact that insurance premiums must be paid in a reasonable proportion to the cost of insurance and that the premiums are generally higher, insurance premiums must be calculated in the light of the benefits of insurance premiums. In the case of insurance claims which have had to be reimbursed.

The Ministry of Social Affairs and Health may lay down provisions on the classification of risks arising from the classification of insurance and damage statistics, as well as on discounts and damage resulting from uninjurious years of insurance. The imposition of increases in premiums.

Insurance companies shall carry out the examinations and calculations required by this Article to carry out the tasks set out in this Article. (19/122008/902)

Article 18a (16.4.1993/361)

The Ministry of Social Affairs and Health can provide a reasonable fee to support activities that are considered to be of general importance for the promotion of road safety. Every insurance company in Finland, as referred to in Article 17 (1) and (4), shall account for the payment to the motor insurance centre determined by the Ministry, which shall pay the fee in the manner prescribed by the Ministry. Promoting road safety.

Financial supervision may provide provisions on the collection and statistical reporting of the injury data necessary to promote road safety. (19/122008/902)

Article 18b (22 DECEMBER 2006/1369)

Insurance companies operating in accordance with this law shall be required to participate each year in respect of each calendar year paid by them and by the

(1) the law on the siting of certain road accidents (875/1971) In accordance with the

(2) the reimbursement of medical care provided for in Articles 6, 6a and 6b of this Act, which shall be paid after more than nine years after the beginning of the calendar year following the date of the accident after 2004, or which are paid; For the damage suffered before 2005 and

(3) the Law on Rehabilitation and Rehabilitation Article 7 (626/1991) After more than nine years after the beginning of the calendar year following the calendar year following the accident after 2004, or which will be paid after 2014, before the year 2005 Damage,

In accordance with the provisions of paragraphs 2 to 7 ( The allocation system ). Insurance premium income For the purposes of this Article, means an insurance premium under this Act, which is included in the profit and loss account of the insurance company.

The transport insurance centre shall inform the insurance companies of the year of performance of the increases, compensation and payments referred to in paragraph 1 ( Allocation year ) By 31 May of the preceding May, the ratio determining the financial contributions necessary for the financing of the allocation system ( Allocation system charges ) Amount in relation to the insurance premium for the allocation system year. The ratio shall be based on an assessment of the allocation system year for insurance companies and the Centre to be paid by the insurance companies and the Centre ( Allocation system compensation ) And the amounts of insurance premiums. In addition, the ratio must take into account the difference between the allocation system payments and the pay-as-you-go system compensation ( Allocation system balance ) Years preceding the allocation year. More detailed provisions on the allocation of the pay-as-you-go system are laid down by a decree of the Ministry of Social Affairs and Health.

The premium per insurance company allocation system fee is obtained by multiplying the ratio of the ratio in accordance with paragraph 2 with the insurance cover of the insurance company allocation year. The insurance company allocation system balance shall be determined by the pay-as-you-go scheme of the insurance companies in relation to the allocation of the allocation system year and the resulting distribution system balance for the years preceding it. An insurance company allocation system balance is owed by the insurance company to the pay-as-you-go system if the balance is in surplus and from the pay-as-you-go insurance company if the balance is in deficit.

By 31 May, the Transport Insurance Centre shall draw up an estimate of the amounts of the allocation system compensation payable in the year of the allocation system for the centre and the insurance companies, as well as by the insurance company The amounts of the pay-as-you-go system and distribution system balances. More detailed provisions on the basis of the estimate are laid down by the Ministry of Social Affairs and Health Regulations.

By 31 May following the allocation system year, the Traffic Insurance Centre shall fix the allocation system for the allocation system for the centre and the insurance companies, as well as the pay-as-you-go system charges, and Distributive systems balances.

The insurance company shall pay the service to the motor insurance centre as a result of the ex ante and definitively established pay-as-you-go system fee and the change in the company allocation system, and the Centre shall be accountable to the insurance company The ex ante and finally established pay-as-you-go system compensation and the performance resulting from the change in the company allocation system balance. More detailed provisions are laid down by a decree of the Ministry of Social Affairs and Health.

The final performance referred to in paragraph 6 shall include the interest rate calculated for the difference between them and the advance payments for the year, from 1 July of the year of the allocation year. The interest shall be used for the purposes of the Article 12 of the Statute, The reference rate.

§ 18c (29.06.2007)

The insurance policy holder is entitled to receive a certificate from the insurance company which issued the insurance certificate for the period of validity of the insurance policy, the vehicles covered by it and the damage resulting from the payment of the insurance. The certificate shall be issued to the policyholder or sent to another insurer at his request within 15 days of the submission of the request. However, the insurance company is not obliged to issue a certificate atthe end of which it has been over five years.

§ 19 (29.12.1994/1)

Motor insurance may only be issued by the insurance company law (22/79) An insurance company which has acquired the right to conduct such an insurance activity in Finland.

Paragraph 1 shall apply mutatis mutandis to a foreign insurance company which has a representation in Finland or who carries out the free provision of insurance services here, as is expressly provided for.

Insurance Companies L 1062/1979 Has been repealed by L for the entry into force of the Insurance Companies Act 522/2008 . See. Insurance Companies L 521/2008 .

§ 19a (16.4.1993/361)

If a foreign EEA insurance company intends to pursue a motor insurance policy in Finland under the right of freedom to provide services from a foreign establishment, the company shall, in addition to that of the said activity, designate Representative (compensation agent) To ensure adequate provision of compensation claims and the payment of compensation. The compensation agent shall be authorised to represent the company in respect of matters relating to the reimbursement of traffic damage and the validity of motor insurance. (29.12.1994/1)

The compensation agent shall have a permanent home or place of business in Finland. (29.1.1999/88)

The declaration provided for in Article 10 of the Act on Foreign Insurance Companies shall state the name and address of the compensation agent. The notification shall be accompanied by a proxy for the compensation agent and an explanation of the fact that the company has become a member of the Motor Insurance Centre or submitted an application for membership to the motor insurance centre. In the latter case, the company must also give a commitment not to initiate a transport policy in Finland until it has been accepted as a member of the Motor Insurance Centre. (29.1.1999/88)

Article 19b (20.12.1996/10)

Insurance in accordance with this law shall cease to be valid one month after the date on which the policyholder was informed of the liquidation or bankruptcy of the insurance company and his obligation to take out a new declaration within that period. If, prior to this, the policy holder has not insured another insurer, he shall be deemed to have failed to fulfil his obligations under this law. With regard to the administration of the special clearing house and the foreign insurance company, the transport insurance centre shall, without delay, inform the policyholders in writing of the above obligation to take out insurance from another insurance company.

§ 19c (20.12.1996/10)

If, in the event of liquidation or bankruptcy of an insurance company, the compensation under this law is either partially or totally without safeguarding the additional payment obligation imposed by Article 5 (5) of the Insurance Companies Act, , may be required to pay an additional insurance premium for motor insurance as provided for in this Section. The provisions of this Article shall not apply to the consumer or to the trader, which, taking into account the nature and extent of his business activities, and the circumstances otherwise, shall be regarded as equivalent to the consumer of the insurer. (13/03/98)

A supplementary premium may be imposed on a policyholder who, on the basis of the ownership or otherwise, has exercised significant influence over the management of the insurance company, if the pursuit of a motor insurance policy has been substantially disregarded. The rules or regulations governing the exercise of the insurance business or, where the business is involved in a criminal procedure, which cannot be considered to be negligible. The amount of the supplementary premium under this paragraph shall be equal to the financial gain for each policy holder.

If the additional premium in accordance with paragraph 2 is not sufficient to cover the non-security contribution, and where the insurance contributions under this Act have on average been unduly low compared to the costs incurred by insurance, and this May be estimated to have been substantially affected by the liquidation or bankruptcy of an insurance company, and in addition to the payment under Article 2, an additional insurance premium may be imposed on the other transport policyholders who have received Essential economic benefits of excessively low insurance premiums . In the case of each policyholder, the additional contribution to be made under this paragraph may not exceed the financial benefit which he or she has received in the three years before the insurer has received over a period of three years. Of liquidation or liquidation.

The decision to make an additional contribution, its size and account is taken by the Motor Insurance Centre. The Ministry shall, if necessary, provide more detailed provisions on the application of this paragraph. Interest on late payment due and payable in respect of the supplementary premium which has not been paid at the latest on the maturity date Article 4 of the Corinth Act The interest rate referred to in paragraph 3. A supplementary premium plus interest on late payment may be obtained without a judgment or decision, in accordance with the law on the recovery of taxes and charges (2006) Provides.

L-enforcement of taxes and charges 367/1961 Has been repealed by L for the implementation of taxes and charges 706/2007 . KorkoL Article 4 of the 3. Is no longer valid. L 340/2002 , where there is a reference elsewhere in the legislation, Article 4 of the Corinth Act Paragraph 3 shall be replaced by the following: Article 4 of the Corinth Act Paragraph 1.

Article 19d (20.12.1996/10)

If, in the event of liquidation or bankruptcy of an insurance company, the compensation under this Act is either partially or totally unsecured after carrying out the supplementary payment obligation of policyholders, or part thereof, The insurance companies together. The non-security component shall be financed by the collection of a common guarantee premium on an annual basis from insurance companies carrying out insurance for the year in which the payment is made. The insurance company may include in the increase in expenditure arising from the co-guarantee premium in the insurance premiums due.

The amount of the fee shall be determined in proportion to the amount of the premiums calculated on the basis of the risks covered by the insurer's transport insurance or by this insurance. The amount of the fee may not exceed 2 % of the insurance premium referred to above. The Ministry shall, where necessary, provide for more detailed provisions on the application of this paragraph.

Interest shall be charged on late payment and on the amount of the payment due and advances which have not been made at the latest on the maturity date Article 4 of the Corinth Act The interest rate referred to in paragraph 3. Payment and advances and interest on late payment may be recovered without judgment or decision as provided for by the law on the levying of taxes and charges.

Article 19e (20.12.1996/10)

The Motor Insurance Centre shall have the right to obtain the information necessary for the performance of the duties provided for in this Act for the purpose of carrying out the duties provided for in this Act.

CHAPTER 5

Specific provisions

§ 20 (20.12.2002/1144)

If the owner, driver or passenger of a motor vehicle has caused the damage intentionally or by serious negligence, or where the damage has been caused by the unauthorised use of an unauthorised vehicle, or if any Caused the damage caused by driving a vehicle in such a condition that the alcohol content of his blood was at least 1,2 promilles during or after driving or that he had at least 0,53 milligrams of alcohol per litre of exhalation, or He has caused the damage when driving a vehicle, otherwise alcohol or other Under the influence of a narcotic substance or alcohol or a combination of alcohol and other narcotic substances, in such a way that the ability of the motor insurance company in such a case has been substantially impaired, In the event of damages, the amount which the beneficiary is entitled to claim is transferred to the company. The liability referred to above shall be governed by the (1999) According to the criteria set out in Chapters 2 and 4.

The agreement whereby a company reserves a broader right to compensation than is provided for in this Article shall be void.

§ 20a (5.2.1999/114)

If the injured party is entitled to compensation for the same damage, both this law and the rail transport liability (13/1999) According to the liability of the insurance company and the railway operator, the liability is divided between the debtor and the debtor, according to which it is reasonable to do so in relation to negligent negligence and other causes of damage. However, if the damage was caused solely by the other side of Article 8 (1) of this Law or by Article 5 of the Railway Traffic Controse Act, without finding out the other side, the compensation would be first of all: To carry out the said side.

If the motor insurance company has paid damages over its own contribution, it has the right to claim, according to the rail transport liability, what it has paid for it.

ARTICLE 21 (16.4.1993/361)

The provisions of this law relating to the liability and rights of the insurance company apply mutatis mutandis to the State and the Motor Insurance Centre.

If the Traffic Insurance Centre has paid compensation under Article 10 (3), and if the injured party within the meaning of that paragraph is entitled to receive the corresponding compensation under this law from the insurance company responsible for the accident, or By the State or by any other law, which has caused the damage intentionally or by serious negligence, is transferred to the Motor Insurance Centre.

§ 21a (29.10.1999)

The insurance company shall have the right to receive, in order to deal with its responsibilities, the substitution treatment and any other information necessary for the performance of the duties provided for in this Act by the authority, health and nursing care, Without prejudice to the confidentiality or information referred to above, the employer, the pension or insurance institution, the employer who has suffered damage or any other compensation from the employer, the unemployment fund or any other Extradition is provided elsewhere.

Article 21b (13/03/98)

As regards the confidentiality of a person acting as an expert or as an expert on the basis of a mandate, the disclosure of information covered by the obligation of professional secrecy and breach of professional secrecy shall apply to: Articles 1, 3 and 4 of Chapter 30 of the Insurance Companies Act.

Article 21c (30.12.2004)

Without prejudice to the provisions of Article 6a (1), the insurance company shall have the right, without prejudice to the obligation of professional secrecy and the disclosure of information covered by professional secrecy, to: Information on the damage to the operating units and the self-employed, necessary to assess the need for the damaged management of the commitment referred to in Article 6a (2) and the cost of treatment; For.

§ 22 (11.11.1988/947)

The compensation to be paid under this Act or the motor liability Act for pain and suffering, damage and other permanent damage or medical costs, costs of burial or other personal injury, shall not: Stools.

ARTICLE 23

Traffic insurance, taken during the period of validity of the motor vehicle liability law, is covered by this law and is entitled to compensation for the personal injury suffered by the owner of the motor vehicle and the driver, unless the owner has limited it to Article 15 (1). In the manner provided for in the paragraph.

An insurance company which has been authorised to carry out road insurance on the basis of a car liability law shall be entitled to continue its activities in accordance with the conditions laid down under this Act.

§ 24 (29.12.1994/1)

More detailed provisions on the implementation of this law shall be adopted by the Regulation.

This Act shall enter into force on 1 January 1960 and shall repeal the liability law of 10 December 1937 (408/37) And amendments thereto (13,8/51) .

Entry into force and application of amending acts:

8.6.1964/310:

This Act shall enter into force on 1 July 1964. However, if traffic accident has occurred before the law enters into force, the provisions of the previous law shall apply to compensation.

23.12.1964/6:

This Act shall enter into force on 1 January 1965.

22.3.1968/167:

This Act shall enter into force on 1 April 1968.

31.5.1974/421:

This Act shall enter into force on 1 September 1974, but shall not apply to compensation for damage caused before it.

5.12.1974/89:

This Act shall enter into force on 1 January 1975.

23.6.1977/9:

This Act shall enter into force on 1 July 1977.

23.3.1979/374:

This Act shall enter into force on 1 January 1980, but shall not apply to compensation for damage caused before it.

2.4.1982/255:

This Act shall enter into force on 1 May 1982.

HE 258/81, Ivhms. One-82, svk.M. 3/82

23.07.1982/561:

This Act shall enter into force on 1 August 1982.

HE 95/82, sosvkms. 4/82, svk.M. 104/82

21.12.198.41:

This Act shall enter into force on 1 April 1985.

This law shall not apply to a matter brought before the entry into force of this Act in an insurance company or before the entry into force of the law before the date of entry into force of the law, or in the course of the proceedings, A requirement for performance. However, the provisions on the increase in compensation shall apply to the replacement item referred to in Article 12a (2), the date of which is due to or after the date of entry into force of the law.

The number of marks provided for in Article 12a (4) of this Act corresponds to the wage index for 1984.

HE 16/84, sosvkms. 13/84, svk.M. 153/84

11.11.1988:

This Act shall enter into force on 1 January 1990.

HE 4/88, second Ivhms. 5/88, svk.M. 97/88

16.4.1993/361:

This Act shall enter into force at the time laid down by the Regulation. (1 January 1994 L 361/1993 came into force on 1 January 1994.)

This law does not apply to compensation for damage caused by road accidents before the law enters into force.

The other law provides for a transport insurance company to be applied to the motor insurance centre accordingly.

Before the entry into force of this Act, measures may be taken to implement the law.

THEY 340/92 , Annex IX to the EEA Agreement: Council Directive (72/166/EEC) (others. Council Directive 72 /430/EEC), Council Directives (8 4/5/EEC, 90 /232/EEC and 90 /618/EEC)

15.07.1994/656:

This Act shall enter into force on 1 September 1994.

THEY 18/92 , LaVM 9/94, SuVM 2/94

29.12.1994/1493:

This Act shall enter into force on 1 January 1995.

This law does not apply to compensation for damage caused by road accidents before the law enters into force.

Before the entry into force of this Act, measures may be taken to implement the law.

THEY 316/94 , Annex IX to the EEA Agreement: Council Directive (92/49/EEC)

3.3.1995/324:

This Act shall enter into force on 1 May 1995.

This law shall not apply to the case before the entry into force of this Act in the insurance company. However, the provisions on the increase in compensation shall apply to the compensation to be paid to the person whose due date is or after the date of entry into force of this Act.

THEY 292/94 , TaVM 58/94

20.12.1996/1084:

This Act shall enter into force on 1 January 1997.

The law applies to liquidation or bankruptcy after its entry into force.

THEY 226/1996 , StVM 38/1996, EV 234/1996

ON 30 DECEMBER 1998,

This Act shall enter into force on 1 January 1999.

THEY 233/1998 , No 31/1998, EV 204/1998

29.1.1999/88:

This Act shall enter into force on 1 April 1999.

The authorisations, orders, instructions and other decisions of the Ministry of Motor Insurance and Traffic Insurance, issued by the Ministry concerned, to be adopted by the Ministry of Insurance at the time of entry into force of this Act shall remain in force, Until the Insurance Supervisory Authority decides otherwise.

THEY 163/1998 , TaVM 29/1998, EV 202/1998

5.2.1999 TO 114:

This Act shall enter into force on 1 September 1999.

THEY 234/1997 , LaVM 23/1998, EV 249/1998

29.10.1999/990:

This Act shall enter into force on 1 January 2000.

THEY 37/1999 , TaVM 6/1999, EV 30/1999

3.12.1999/1130:

This Act shall enter into force on 1 January 2000.

Before the entry into force of this Act, measures may be taken to implement the law.

THEY 107/1999 , EV 65/1999,

21.12.2001/13:

This Act shall enter into force on 1 January 2002.

The entry into force of this Article 14-14 m is laid down by a decree of the Government. (In accordance with Section A 911/2002, Articles 14 to 14m will enter into force on 1 December 2002.)

The date by which the replacement representatives referred to in Article 14a (1) shall be designated and the information referred to in Article 14c shall be provided by a Council Regulation.

THEY 190/2001 , LiVM 11/2001 EV 149/2001

31.5.2002/442:

This Act shall enter into force on 1 January 2003.

THEY 16/2002 , LiVM 3/2002, No 38/2002

28.6.2002/548:

This Act shall enter into force on 1 July 2002.

THEY 73/2002 , LiVM 9/2002, EV 93/2002, Council Directive 72 /166/EEC (31972L0166); OJ L 103, 2.5.1972, p. 1, Council Directive 84 /5/EEC (31984L0005); OJ L 8, 11.1.1984, p. 17, Council Directive 90 /232/EEC (31990L0232); OJ L 129, 19.5.1990, p. 33

11.12.2002/1099:

This Act shall enter into force on 1 January 2003.

THEY 141/2002 , LiVM 19/2002, EV 193/2002

20.12.2002/1144:

This Act shall enter into force on 1 February 2003.

THEY 223/2002 , No 12/2002, EV 164/2002

16.6.2004:

This Act shall enter into force on 1 January 2006.

After the entry into force of the law, this law shall apply to compensation for damage caused by the use of motor vehicles. Reference Article 8 of Chapter 5 of the Law on Compensation Apply, however, to a lump sum based on the damage caused by the use of motor vehicles before the entry into force of the law.

Before the entry into force of this Act, the amendment of the compensation to be paid by means of direct payments shall be governed by Article 6 (2) of the law applicable at the time of entry into force of this Act.

THEY 167/2003 , LaVM 1/2004, EV 60/2004

ON 30 DECEMBER 2004,

This Act shall enter into force on 1 January 2005 and shall be valid until 31 December 2005. This law shall also apply to road damage caused before the law enters into force.

THEY 249/2004 , StVM 40/2004, EV 210/2004

ON 30 DECEMBER 2004,

This Act shall enter into force on 1 January 2005.

This law shall apply to road accidents which have occurred since the entry into force of this Act. Article 18b shall also apply to damage caused before the law enters into force.

This Act repeals the Law of 17 December 1971 on the introduction of compensation for certain road damage to the wage level (875/1971) Article 2 (2), as amended by Law 362/1993, and on the allocation of costs incurred by insurance companies and the Motor Insurance Centre for certain increases in the remuneration of certain transport claims between insurance companies and the Motor Insurance Centre 15 The Decree of the Ministry of Social Affairs and Health of 1 December 2000 (1107/2000) .

THEY 158/2004 , StVM 28/2004, EV 169/2004

22.12.2005/1098:

This Act shall enter into force on 1 January 2006.

This law shall also apply to road damage caused before the law enters into force.

THEY 178/2005 , StVM 39/2005, EV 209/2005

22.12.2006/1369:

This Act shall enter into force on 1 January 2007.

This law shall apply in 2007 and thereafter to increases, allowances and payments financed by the allocation system.

For the purposes of this law, the ratio of 9,3 % of the insurance premium paid in the profit and loss account of the insurance company, in accordance with the provisions of Article 18b (2), shall be 9,3 % of the insurance premiums written under this Act, including: The allocation system fee.

The amount of the allocation of the allocation system for the years preceding 2007 under Article 18b (2) and (3) of this Act is zero.

THEY 238/2006 , StVM 44/2006, EV 212/2006

29.6.2007/742:

This Act shall enter into force on 4 July 2007.

THEY 20/2007 , LiVM 2/2007, EV

19.12.2008:

This Act shall enter into force on 1 January 2009.

THEY 66/2008 , TaVM 20/2008, EV 109/2008

13.3.2009/14:

This Act shall enter into force on 1 September 2009.

The provisions in force before the entry into force of the Act prior to the entry into force of the Act shall apply.

THEY 70/2008 , LaVM 16/2008, EV 5/2009

22.12.2009/1335:

This Act shall enter into force on 1 January 2010.

Before the law enters into force, action can be taken to enforce the law.

THEY 208/2009 , No 23/2009, EV 203/2009

30.12.2010/134:

This Act shall enter into force on 1 May 2011.

Before the entry into force of this Act, measures may be taken to implement it.

THEY 90/2010 , StVM 40/2010, EV 244/2010

13 DECEMBER 2016:

This Act shall enter into force on 1 January 2014.

THEY 83/2013 , TAVM 28/2013, PVL 24/2013, EV 146/2013