Insurance Law

Original Language Title: Liikennevakuutuslaki

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Read the untranslated law here: http://www.finlex.fi/fi/laki/ajantasa/1959/19590279

In accordance with the decision of the Parliament, provides for: the General provisions of section 1 of Chapter 1 of the Motor vehicle to a person or damage to property caused by the use of transport, hereinafter referred to as the vehicle for transport to the detriment of the said, on the transport insurance shall be replaced by that law. The State-owned vehicle accident caused by State-funded, as the State would have provided insurance.
A motor vehicle with a permanent place of residence is in a country other than Finland, auto insurance does not replace this according to the law, the driver or the owner of the personal injury, unless otherwise provided in section 15 to. (16.4.1993/361)
According to this law shall be replaced by the use of a motor vehicle in transport, also in Finland, liikennevakuutettavan in the rest of the European economic area, the damage caused by the accident, subject to the entry in force of the legislation on compensation for traffic accident does not require this for better insurance coverage. Similarly, a shall be replaced by the accident, which occurred in the territory of läpikuljettavalla direct on the way to the European economic area Member State to another Member State. If none of the area is crossed by the national agency is not responsible for, the accident will be replaced by the replacement of a road traffic accident in force in the Member States according to the law, in whose territory the vehicle is normally based. (29.12.1994/1493)
If a traffic accident is caused by a vehicle with a permanent place of business is in a Member State of the European economic area, may be the damage, you can substitute the law of the Member State, if the required insurance coverage is the law better. (16.4.1993/361)
A vehicle with a permanent home there, for the purposes of this Act on the territory of the State in which the vehicle license plate is issued. If the registration is not required for a particular type of vehicle but the vehicle bears an insurance plate, or a registration plate of the vehicle with a permanent home there means the territory of the State in which the insurance plate or the sign is issued. If the person who has custody of the vehicle is not required neither registration plate nor insurance plate nor distinguishing sign, a vehicle with a permanent home there means the territory of the State in which the vehicle is permanently resident. If the license plate is wrong, or illegal, for the purposes of the vehicle by a permanent home there, however, the territory of the State in which the accident occurred. (as at 29 June 2007/742)
On the basis of reciprocity, by regulation, provide that in a certain country can be caused by the accident, according to this law, shall be replaced by the. (16.4.1993/361) section 2 of the motor vehicle does not have traffic referred to in this Act: (1) has been revoked L:lla 16.4.1993/361. (16.4.1993/361) 2) when dealing with the work of the farm economy is used in a separate place or substantially for purposes other than for the carriage of persons or goods; (5.12.1974/898) 3) when it is being repaired or the car shed or workshop, or other dealing in a separate place; and (5.12.1974/898) 4) when it is used to transport isolated in competition, for the purposes of training or trial. (5.12.1974/898) section 3 of the motor vehicle, according to this law the land kiskoitta to go konevoimainen for the means of transport or equipment, but also the means of transport, which is built to move just a or your workplace. It may, however, be provided by the regulation, that the vehicle or engine as considered to be you, by weight or, in the case of speed is low, and light towed vehicle.


3. (a) section (5.12.1974/898) What this law the owner of the motor vehicle, also applies to the holder of a motor vehicle of another permanent management of donated.
Chapter 2 section 4 of the Road Traffic injury compensation, if not otherwise specified below shall be replaced by the motor vehicle insurance, even though no one is based on the use of the vehicle in person not liable for transport.


section 5 (16.4.1993/361), the damage is not compensated by the motor vehicle insurance, when it has been: 1) the loading, unloading or during the rest of the performance of this engine when the vehicle is stationary, the driver of the vehicle to the owner or other person who performs the work of this;
2) loading, unloading, or the rest of the work performance of the assets, or the duration of the activities osalliseen in another by a motor vehicle;
that compares with the rest of the transport bus valvonnatta 3) animal than in his days, unless the owner of the vehicle, the driver or passenger is not intentionally or tuottamuksellaan has caused injury; or 4) were in a motor vehicle, the driver of the other vehicle, the owner or the property or assets; the fact, however, the passenger shall be replaced by the above or the use of pukimien or other personal objects.


pursuant to section 6 of the Transport provided for compensation for damages Act (412/1974), Chapter 5, section 2 (2) (a) to (d), 2, 3, 4, 4A, 4B, 5, 7 and 8 of section 3 of Chapter 7 of the regulations. The right to compensation for pain and suffering and other temporary handicap, however, is not, if personal injury has been minimal, and the tort, Chapter 5, article 5, apply in the cases referred to in the third paragraph. (16 June 2004/510) is repealed by L:lla 16 June 2004/510.

Any damage to a motor vehicle owner has the right to receive compensation for the cost of repair or either or, when a motor vehicle is destroyed or it is not possible at a reasonable cost to repair the damage, as it was immediately prior to the events of the fair value of the damaged or destroyed the vehicle is handed over compensation for the payer.
If the owner or driver of a motor vehicle may or he or she has the right to the use of the vehicle or are transporting transport damage suffered by the person under the law, compensation for accident insurance under this Act shall be replaced by the insurance of the vehicle, only that part of the damage, which will not replace accident insurance according to the law. (8.6.1964/310)
Transport damage due to the costs of medical treatment provided for in this Act, in addition to the 6 (a) and 6 (b). (30.12.2004/1360), section 6 (a) (30.12.2004/1360) the damaged site is entitled to reimbursement of the necessary medical treatment for the injury or illness, you will be given the unnecessary costs in the public health Act (66/1972), erikoissairaanhoitolain (1062/1989) and health huoltolain (1326/2010) on the basis of public health for prophylaxis, the private healthcare Act (152/1990) as a service within the meaning of the Act or a health care professional persons (559/1994) on a self-employed basis, if the meaning of an insurance company is given, the decision on the amount of care as provided for below. (30.12.2010/1344)
The insurance company has the right to a payment commitment to choose a treatment for the injury or illness to the damaged place. The treatment must be the one in which the damaged may be involved in a road traffic accident caused by injury or illness for treatment. The insurance company shall, without delay, notify the trustee of the injured or their commitment to this, as well as the operational unit of the public health service, where damaged.
The commitment referred to in subparagraph (1) above shall not be required for the first doctor's visit and immediately to the minor treatment measures. With treatment the measure refers to the normal, in the course of the visit, x-ray research, LAN kipsausta, binding, or other such equivalent in the form of the measure. The Bill of Exchange is not required either emergency medical treatment, which is essential to the health of the injury or illness resulting from the imminent threat of a damaged.


6 (b) of section (30.12.2004/1360) under this Act, section 6 (a) of the public health referred to in paragraph 1 for prophylaxis, treatment given to him as compensation for the treatment is carried out on damaged social and health care to customer on the basis of the code of civil procedure (734/1992) inherited from the customer. Unless otherwise provided for in this law, the insurance company must also complete sairaanhoitopalvelun to the Organising Committee of the costs incurred in the provision of care or the diversion of the social and health care customer law according to article 13 (a) of its affiliates.
This law, in article 6 (a) referred to in the private health care in accordance with the Act on the service provided and as a self-employed person in care are carried out according to the amount of compensation.
If the treatment referred to in paragraph 2, the 6 (a) in accordance with article 3 of the emergency treatment, or for the first lääkärissäkäyntiä and minor treatment measures, necessary for the costs incurred, compensation is carried out. The first urgent care as well as the lääkärissäkäynnistä and the scarcity of treatment measures in the public health sector are carried out according to paragraph 1, compensation.
If a damaged treatment will be continued in accordance with the management of the undertaking other than that of the place of payment, the insurance company is obliged to pay the cost of treatment, which damaged would be in public health have had to pay for the same treatment for prophylaxis of social and health care according to the law on the customer payments.

If the medical treatment of public health for prophylaxis, according to health care research unit fails in the social and health care customer law 13 (b) of article 1 of the Declaration referred to in subsection within the time limit for the award of the the start of the treatment, the insurance company is liable to pay under section 13 of the law (a) to the payment of the defendant's or group only, you will be given after the obligation has been met.
Social and health care customer law 13 (a) the amount of the fee provided for in subparagraph (1) of section does not run in a road traffic accident caused by an injury or illness of a permanent 24-hour care. Body treatment cannot be considered to be of a lasting nature, before the treatment is continued without interruption for at least three months.


7 section (20 December 2002/1144) If someone is intentionally causing themselves injury, compensation is carried out only in so far as the other conditions have contributed to the injury suffered. If someone is by serious negligence contributed to the injury suffered, compensation may be reduced or denied, depending on the circumstances, is reasonable.
Compensation for damage to property on the basis of the contribution to the injured person reasonably reduced or refused, taking into account the amount of the loss or injury suffered by a defect that remains on the guilt and other conditions.
If a person or damage to property caused by the loss or injury suffered by being tampered with the vehicle, introduced, and he knew or should have known of the introduction of the intent, the vehicle being paid in compensation for the transport insurance only for a special reason.
If anyone has suffered a personal injury, in that case the vehicle in such a State that his blood alcohol content was run during or after at least 1.2 mg/ml, or that he was at least 0.53 milligrams of alcohol per litre of breath, or he is a subject that has caused the damage to the vehicle by the way of the substance than alcohol or any other intoxicating agent at the time under the influence of alcohol or under the influence of alcohol and any other intoxicating agent at the time of interaction so that the supply was substantially degraded his ability to good racing they are performed by the insurance of the vehicle, the transport only, for a special reason.
If anyone has suffered a personal injury, in that case the vehicle under the influence of alcohol or any other intoxicating agent at the time, or under the combined effect of alcohol and any other intoxicating agent at the time, other than the cases referred to in paragraph 4, it can be a mechanism for the compensation of personal injury to her lower, depending on what was his contribution to the injury.
If the injury is born when the vehicle is stationary and it has not taken place in the context of the vehicle stop or entry into the exit, may be reduced or refused compensation for its share of the damage as the injured and other damage had, in the circumstances, is reasonable.


section 8 When a motor vehicle caused by the accident has hit another motor vehicle, rail vehicle at the entrance to the vehicle or to the person or the property, this does not damage the insurance of the vehicle to replace the first, unless the injury is not caused by the fault of the owner, driver or passenger, or by the fact that the vehicle was not in conformity with the rules or in the investment, or that the vehicle was a lack of fit.
If you also on the side to which the injury came, it was mentioned in subparagraph (1) fault or any other circumstance, for heaven's sake stick right to the injury suffered, taking into account all the considerations, the extent to which, and to whom compensation is to be carried out. Damage to a person, however, is for all of the foregoing shall be according to what is provided for in article 7.


section 9 of the property from one accident or accident on the more immediate Fellows are performed by a maximum of EUR 3 300 000 in total damage to the person responsible for the transport insurance. (30 December 1998/1211)
If the maximum amount provided for in paragraph 1 is not enough for full compensation, will be distributed in proportion to the magnitude of the damage to be paid for it. When as a result of accidents claims humanity turns out to be that someone who has not received compensation, that is, korvattakoon his mitigating even if the maximum amount of compensation to be exceeded, not more, than he would have received if he originally would have been korvauksensaajien.
This article may be laid down in the General Regulation to change the price of the euro the amount of progress that has been made in the level of development, respectively. (30 December 1998/1211), section 10 (16.4.1993/361) If, in the event of a motor vehicle in a road traffic accident was not provided for in the insurance policy, or if you have not been to find out what damage is caused, the damage of the vehicle is responsible for Motor City as if it were issued by transport insurance. The damage caused by an unknown vehicle will replace the Traffic insurance centre, however, only if the crime is a personal injury or damage to property, the injury is caused by a significant person in the context of the injury, or have been subjected to a hoof or mouth. (as at 29 June 2007/742)
If the obligation to insure against such damage has been laiminlyöneeseen to the event that caused the injury to the owner, of the motor vehicle does not have traffic insurance centre responsible for it. Similarly, the Centre is not responsible for any damage if the damage has been to the event that caused the injury to the driver of the vehicle, and he knew or ought to have known, that the vehicle was not provided for in the insurance policy.
As a result of a traffic accident on the road, if someone is the victim of a State, that it is necessary to immediately carry her to get treatment, is the Motor City, where the transport operation is used to drive a power-driven vehicle, transport costs, as well as a duty to compensation arising from the transport of the motor vehicle and any damage to a person's clothing and transport to their likaantumisesta. This indemnification does not apply to damage to the vehicle during transport may kohdannutta.
Insurance Agency shall be responsible for the damage caused by the 15, in accordance with article 4 of the insured vehicle. (received on 3/11), section 10 (a) (2007-06-29/742) in Finland in the aftermath of a road traffic accident is caused by a motor vehicle with a permanent place of residence is in Finland, and for which there is no provision for the obligation to take out insurance, the State shall be responsible for the injury as if it were issued by transport insurance.
If the vehicle as referred to in sub-section 1 has caused a traffic accident in another EEA State other than Finland, auto insurance agency shall be responsible for the injury as if it were issued by transport insurance.
If in the aftermath of a road traffic accident in Finland is caused by the motor vehicle with a permanent place of business is in the Member States of the EEA as in Finland, and for which there is no provision in that State, the obligation to take out transport insurance, Transport insurance agency shall be responsible for the injury as if it were issued by transport insurance.
In addition to the liability referred to in article shall apply to the section 10 of the Act provides.
In the case referred to in article fact, the State is represented by the State Treasury.
Chapter 3, section 11 of the call for transport damage compensation (13 March 2009/146) compensation under this law, the action shall be brought in dispute, the current order of the insurance against the company within three years from the time when the victim became aware of the damage and what the insurance company is liable for damage.
That is not taken within the time provided for in subparagraph (1), the application date shall lose its entitlement to compensation under this Act. The same effect as an action against the increase, however, is the fact that the relevant traffic to the insurance company within the period laid down in the said paragraph demonstrably made accident written statement containing the information of the place and the time of the injury, as well as vahingonkärsineestä and his address.


11 (a) in the section (21 December 2001/1380), on the basis of this law, Vahingonkärsineellä has the right to demand compensation directly from the insurer.


section 12 If compensation is required for vehicle insurance from the owner of a motor vehicle to be replaced as a result of the injury, the driver or the passenger, other than under this Act, it is the responsibility of the compensation, however, condemn the insurance company in accordance with the provisions in force, regardless of whether or not he vahingonkärsineeltä also. In this way the number of sentenced to charge only from the insurance company, which is released from the responsibility for paying compensation to the victim. Payment of compensation to the victim, shall also be submitted to the insurance of the costs as well as the increase in the compensation and interest as provided for in article 12 (a). (21.12.1984/941)
In this section, "let this people not be taken that claim admissible, if displayed, that the insurance company, which is responsible for the damage, is refused the required compensation. Types of the insurance company must provide written proof.


12 (a) in the section (21.12.1984/941)


To a person in accordance with this law, damage compensation in case of delay of the insurance company have to pay for the delay in compensation, plus the finance period. The increase in compensation per year, calculated at the interest rate provided for in article 4 of the interest rate referred to in the database. The obligation to pay compensation, plus does not, however, apply to the statutory insurance by insurance and pension institutions, based on the performance of the set, and not between the recourse. (3 March 1995/324)
The increase of the compensation referred to in paragraph 1 above shall be calculated on the delay time for each day, but not before three months have passed since the end of the calendar month following the date on which the injured party is provided by the insurance company claims, as well as the amount of the compensation criteria and a report as he may reasonably be required, taking into account also the insurance company's ability to raise. On the basis of the criterion of the same decision, however, the increase in compensation is calculated on the later of the due date for the lot.
When compensation does not have to be vahingonkärsineestä due to the fault of the costs in time, the insurance company shall not be obliged to pay compensation, plus hold as of the date on which the impediment has ceased to be an insurance company, of course. If as a result of the provision of the laws of compensation is delayed, or the general traffic or stop payments or similar as a result of force majeure, the insurance company shall not be obliged to pay compensation for the period of delay caused by such a barrier, plus.
The increase of the compensation, the amount of which is less than 5.5 million, does not have to be paid. The number of annual reviews employees Act (395/1961) the salary provided for in article 7 (b) of the European Union. The revised number is rounded to the nearest ten cents to the euro. (on 22 December 2005/1098)
Property damage compensation interest on late payment is due to be executed in accordance with the law, what interest rate respectively (633/1982) is provided for the interest of the liability for compensation. The provisions of the interest Act does not, however, be derogated from to the detriment of the entitled interest on account of late payment.
The Ministry of Social Affairs and health shall, where appropriate, the instructions for the application of this article in the insurance companies.

Employee eläkeL 395/1961 L:lla 396/2006 is repealed. See eläkeL 395/2006 of the employee under section 96. The payroll factor is the 1.363 in 2015. See the STMa employee pension Act 96 of the adoption of the wage coefficient referred to in Article 839/2014. KorkoL 633/1982, section 3 4 of the mom. is no longer valid. L 340/2002 according to the date of entry into force of that provision, if the rest of the law refers to the rate section 4 (3), is the provision of article 4 of the law rather than comply with an interest rate of 1.



section 13 Transport damage to the person responsible for the insurance company, which has refused so far to the required compensation, shall be summoned to the proceedings referred to in article 12, in writing as of service of summons is provided. The invitation shall be at least fourteen days. The invitation shall contain the information, as well as the vahingonkärsineestä and the owner of the motor vehicle and his address;
The insurance company has the right to appeal.


section 14 if the vahingonkärsineellä is entitled to compensation for the same accident is made up of two or more vehicle insurance, are equivalent to the insurance companies on each on its own and on behalf of each other. Between insurance companies is to take part in the execution of the compensation as a demonstrated negligence and other acts causing the injury factors, it is reasonable, however, so that if the damage is caused by the lack or the side of another vehicle solely from the negligence of facts without having to find out in the second or in the case of vehicles, the others will remain to run the first vehicle the vehicle insurance.
3. (a) the figure (21 December 2001/1380) for damage to Certain overseas road 14 (a) of section (21 December 2001/1380) If a Finnish insurance company, or the foreign insurance companies Act (395/1995) non-member-country insurance company plans to follow this law insurance in Finland or a Finnish insurance company is going to engage in any other non-life insurance class of insurance other than 10, the liability of the carrier for the insurance of the other Member States of the EEA, the company shall designate a claims representative in each other the EEA-State.
Claims representative is responsible for handling and transport damages resulting from claims settlement, when the 1) the accident occurred in a State belonging to the European economic area, hereinafter referred to as the EEA State other than that in the Member States of the EEA, where vahingonkärsineellä is the place of residence, or in a third country, by the use of motor vehicles, and insurance against civil liability in respect of the obligation to insure against such liability on the approximation of the laws of the Member States relating to Council Directive 72/166/EEC with regard to the National Agency referred to in paragraph 3 of article 1 has joined the green card system and vahingonkärsineellä is the residence of the Member States of the EEA; or 2) traffic damage has been caused by the use of a vehicle for which the insurance in the Member States of the EEA, and which have a permanent place of business is in a State other than the Member State of the EEA, the EEA State in which the vahingonkärsineellä has his habitual residence.
The following 14 f-14 h and 14 m the provisions of section also apply in the case of the transport referred to in paragraph 2, the damage has been caused by the use of a vehicle for which the insurance or the Home Office must be established in the Member States of the EEA, where vahingonkärsineellä is the place of residence.
The following section 14 m shall also apply in cases where an accident has occurred in any other EEA State other than that of the Member States of the EEA, where vahingonkärsineellä is the place of residence, and when it is involved in a road traffic accident caused by a vehicle with a permanent place of residence is in the case referred to in paragraph 2, subsection 2, paragraph 1, or in a third country.


14 (b) of section (21 December 2001/1380) the claims representative shall be resident or established in the EEA State where he is appointed. The claims representative may work for one or more insurance undertakings.


14 (c) of section (21 December 2001/1380), paragraph 14 (a) of the insurance company shall, without delay, transmit the meaning of the use of motor vehicles on the approximation of the laws of the Member States relating to insurance against civil liability in respect of carbon dioxide and amending Council Directives 73/239/EEC and 88/357/EEC of the European Parliament and of the Council amending Directive 2000/26/EC, hereinafter referred to as the fourth motor insurance directive, referred to in article 5 of the EEA States for all data centres on the basis of article 14 (a) of the names and addresses of the designated representatives, as well as their modifications.


Article 14 d (21 December 2001/1380) claims representatives shall possess 14 (a) of subsection 2 of the processing and settlement of claims for the right to represent the insurance company responsible for the accident to transport and carry out compensation for damage caused.
Claims representative is required to be capable of performing in accordance with the tasks of the EEA in the official language or languages of the State, where vahingonkärsineellä is the place of residence.


14 (e) of section (21 December 2001/1380), paragraph 14 (a) of the insurance referred to in the company's or its claims representative shall, within three months from the date on which the injured party presented his claim for compensation, to be replaced by section 14 (a) of the accident, or to make a reasoned offer of compensation in cases where liability is not contested and the damages determined.
In cases where liability is denied in part or in full, or it is ambiguous or if the damages have not been fully defined, is an insurance company, or its representative within the period referred to in subparagraph (1) to provide a reasoned reply to the claim.
The interest rate you pay on the amount of compensation under the law of implied refusals is the interest.
If the insurance company or its claims representative does not comply with the provisions referred to in paragraph 1 to 3, the financial supervisory authority may take the Act on Financial supervision (889/2008) to the control measures provided for in the insurance companies. (19 December 2008/902) 14 (f) of section (21 December 2001/1380) traffic insurance centre operates in Finland within the meaning of article 5 of the fourth motor insurance directive, the information centre.


section 14 (g) (21 December 2001/1380) in order to safeguard the interests of victims, and to ensure that information is made available promptly the measures referred to in article 14 (a) in the event of transport damage: Insurance Center will collect and share data, which have an impact on the transport insurance claim, as well as assist in obtaining this information, entitled to it.
Transport insurance referred to in subsection 1, the Agency shall, in particular, provide the following information for the task in the collection and dissemination of information: 1 the registration numbers of motor vehicles registered in Finland);
2) transport the numbers of the insurance policies;
3) date of termination of the insurance cover, provided that the insurance is terminated;

4 paragraph repealed by L:lla 2007-06-29/742.

5) paragraph 14 (a) of the insurance companies and claims representatives appointed by them; and 6) vehicles, for which, according to article 15, does not have to have insurance.
Insurance Agency has the right to receive in relation to the acquisition or maintenance of the information referred to in paragraph 2, the relevant authorities or insurance companies this information until the seven years have passed since the removal from the register of the vehicle or the termination of the insurance contract.


14 h section (2007-06-29/742)


Traffic insurance Centre keeps a register of the EEA States, insurance companies did undertake.
Transport insurance shall at the request of the victim, residing in Finland, the Centre is the event that caused the injury or the registered owner of the vehicle, the name and address of the holder.
Traffic insurance centre, at the request of the victim, the information residing in Finland is an insurance company and a company from the number of the insurance policy and insurance company, Finland, named korvausedustajasta, and this from, provided that the accident has occurred in the EEA or in the State of the green card system and the traffic damage caused in another EEA State other than Finland, this insurance company insured vehicle with a permanent place of residence is in another EEA State other than Finland. Insurance Agency, however, is not required to provide information about transport damage, which occurs after more than seven years.
In another EEA State other than the injured living in Finland has the right to have the insurance of the Centre information referred to in paragraph 2 and 3, if the traffic to the event that caused the injury of a motor vehicle normally based in Finland or the accident occurred in Finland. In addition, the Motor City can require the aggrieved party as referred to in sub-section, that shows that he has a legitimate reason to be eligible for any of the information referred to in paragraph 2.
Transport insurance, the Centre shall cooperate with the other EEA information centre (2) the information referred to in the EEA State of the information centre and the disclosure, to another, or to obtain the information corresponding to the information centre of the victim of another EEA State.
If the damage caused by a motor vehicle is exempt from the obligation to insure against such liability, the Centre shall, at the request of the injured party in the transport insurance shall be forwarded to him the knowledge of the authority, which is responsible for the replacement of a road traffic accident caused by a vehicle.


14 i § (21 December 2001/1380) traffic insurance centre operates in Finland for the purposes of the fourth motor insurance directive the compensation body.


14 (j) section (21 December 2001/1380), in which the Victim is habitually resident, May 14 (a) in the section of the damage referred to in paragraph 2 of the present the claim to the insurance agency, 1) if the insurance undertaking of the vehicle the use of which caused the accident, the insurance company or its claims representative has not provided a reasoned reply in response to a claim for compensation within three months of the date when the injured party presented his claim to the insurance company or its claims representative; or 2) if the insurer has failed to appoint a claims representative in Finland in the fourth motor insurance directive, in accordance with article 4 (1); However, you cannot submit a claim to the compensation body if the injured party is put forward a claim for compensation directly to the insurance company of the vehicle that caused the injury and received a reasoned reply within three months of the date of the request.
Traffic insurance centre cannot deal with your claim, if the injured party has brought against the insurance company for compensation brought by the General Court.


Article 14 k (21 December 2001/1380) Transport insurance to deal with the compensation issue of the Centre's need to take action within two months of the date when the injured party is put forward 14 claims referred to in paragraph (j). Center will not be allowed to continue, the proceedings for compensation in the event of an insurance company or its claims representative to give a reasoned reply to the claim for compensation during the proceedings.
Insurance Agency shall immediately notify the claim and of the intention to respond to it within two months of: 1) to the event that caused the injury or to its claims representative, the insurance company of the vehicle;
2) the compensation body in the EEA State in which the insurance undertaking's establishment which issued the transport insurance is situated; and 3), the person who caused the accident, if this is known to the insurance agency.


14 l section (21 December 2001/1380) Transport insurance agency has the right to claim back sums paid compensation from the compensation body of the EEA State in which the insurance company's place of business.
If signing the contract of insurance compensation velvollisen the insurance company's place of business is in Finland, and in the EEA State where the injured party resides, the body has paid compensation, the insurance agency has an obligation to make the compensation body of the Member State referred to in the credit memo. In this case, the injured party the right to be subrogated, or his insurance company moves to the insurance agency in so far as the compensation body is that of the EEA-State compensated the damage suffered.


14 m section (21 December 2001/1380) If the transport referred to in article 14 (a) to damage caused by an unidentified vehicle or if korvausvelvollista the insurance company cannot be determined within two months of the accident, vahingonkärsineellä, which is the place of residence in Finland, have the right to apply for compensation in insurance. The Agency is then entitled to reimbursement of the compensation back to the conditions laid down in article 14 l, follow these steps: 1) if the insurance undertaking cannot be identified, the EEA-State section 17 of the national guarantee fund referred to in subparagraph (1), in which the loss the vehicle is normally based;
2) in the case of an unidentified vehicle, the national guarantee fund of the EEA State in which the accident occurred; or 3) in the case of a vehicle of a third country, the national guarantee fund of the EEA State in which the accident took place.
Chapter 4, section 15, of the Transport insurance (16.4.1993/361) means a motor vehicle used for the Transport of the vehicle owner, not the State, to have the case referred to in article 19 the transport insurance in an insurance company. (29.12.1994/1493)
The ground for the temporary use of the owner of an imported motor vehicle to give Motor City to limited motor insurance, that he and the driver of a vehicle on the basis of this insurance of the person entitled to compensation for the damage suffered from a social, just when the issue is caused by the accident. If the Center is committed to this according to the law, to respond to the damage caused by the transport of a vehicle, is the owner of the undertaking, for free from the obligation to insure against such liability.
On the basis of reciprocity may be regulation provide that the owner of the vehicle and the driver referred to in paragraph 2, the right to compensation for the damage suffered from a certain State of the passenger is also a motor vehicle in transport insurance.
The traffic safety agency, the operation of the law on the registration of vehicles (1100/1998) 3 referred to in article sopimusrekisteröijän or the transfer of the customs services to grant the permit to attach to the vehicle insurance issued by insurance Center. (22 December 2009/1335)
In the sector in accordance with this law, the obligation to insure against such motor vehicle begins as soon as the buyer has accepted the shipment. Finland in another EEA-State of registration of the vehicle purchased for export and transport insurance shall be considered in accordance with the law of a Member State and the destination of the compulsory insurance of the vehicle will be registered in Finland, when the land for export. (as at 29 June 2007/742)

(L) vehicle registration activities 1100/1998 has been revoked the activities of 175/15 L:lla vehicle registration, which is valid for the 16.11.2015.



15 (a) in the section (29.12.1994/1493) this law involve the granting of transport on the basis of a single premium insurance is valid in all the countries of the European economic area.


Article 15 (b) (further/1099), in carrying out the survey is määräaikaiskatsastusta required to check that the insurance in force an overdue insurance premium has been paid.
A survey in the context of the insurance payment shall be considered as paid, unless the vehicles of no listing for non-payment. Insurance payment shall also be considered as paid on presentation of a voucher issued by the insurance company or a financial institution or other reliable clearing the payment.


section 16 of the owner of the motor vehicle, which has not had insurance for the vehicle, even though he would have it be, is responsible for the loss, for the period to carry out the transport insurance agency in its case-by-case basis by not more than four times the average insurance payment equivalent to hyvikkeen or, if the accident occurred, more than ten times the average premiums in the corresponding hyvikkeen. The insurance supervisory agency shall decide in detail on the determination of the average insurance premium. The owner is to be carried out by the insurance company to hyvike, if the vehicle is a violation of the notification in writing in advance by the company used in traffic during the period in which the vehicle is reported to be held away from the traffic. Hyvike provides for the entire period of detention, unless one of the notified bodies particularly compelling reason to the contrary. The hyvike referred to in this article shall be enforceable without judgment or decision. (29.1.1999/88)
If a motor vehicle has been handed over to the management of another permanent, is the holder of a primarily liable to pay hyvikkeen in so far as it is his manager at the time and as it would have been possible to get laid. (5.12.1974/898) section 17 (16.4.1993/361)


Transport insurance shall be under the agreement on the European economic area shown in annex IX of the use of motor vehicles, and insurance against civil liability in respect of the obligation to insure against such liability on the approximation of the laws of the Member States relating to the Council Directive (72/166/EEC) and in article 1 of the said annex, relating to direct insurance other than life insurance, on the coordination of laws, regulations and administrative provisions relating to Directive 73/239/EEC and Directive 88/357/EEC amending, particularly as regards motor vehicle liability insurance, Directive (90/618/EEC) within the meaning of article 6 in the national Office and a national guarantee fund. All of the insurance activities of the insurance companies in Finland must be part of your car insurance policy. The Agency may grant the insurance and take care of the compensation act in accordance with this law.
Insurance compensation and insurance activity of the Centre shall be subject to the procedures and on the basis of actuarial factors, the monitoring concerned a Financial control. The implementation of this law, insurance centre, its management and the insurance companies and the right to participate in the company's insurance premium income received by here, in relation to a number of risks or here vakuuttamien, in proportion to the number of the Centre's expenditure and receipts shall be provided to the State Agency's rules, which provides for a Council regulation, after the Centre has had the opportunity to submit a proposal. The financial statements of the insurance agency and on the audit of the financial statements provided for in the Council of State regulation. (19 December 2008/902)
Transport insurance is primarily responsible for the non-insured, caused by an unknown, as well as a motor vehicle accident in Finland, whose permanent place of residence is in a country other than Finland. If it is found liable for payment of the insurer in the end, the Centre shall have the right to get this back to his. In addition, the Centre will take care of the Finnish insurance company for the payment of compensation liquidation and bankruptcy, after the insurance and the corresponding assets have been transferred to the Agency, as well as any other insurance company Act (521/2008), chapter 23, section 21: and in the law on foreign insurance companies the duties provided for in article 49. A foreign insurance company in case of liquidation or bankruptcy, whose home State is a member of the European economic area, the obligation to pay compensation to begin, however, the adoption of the financial supervisory authority. When the Center has paid compensation to the injured, his right to compensation from the liquidation, or move to the Center to the extent this is compensation paid. (13.12.2013/987)
Paragraphs 1 and 2, under the insurance company belonging to the participation of the insurance and the expenditure of the Centre and shall apply by analogy to such a foreign insurance company, whose head office is situated in the State of the European economic area (EEA, the foreign insurance company) and that the Foreign Office is engaged in insurance in Finland. (29.12.1994/1493) section 17 (a) (31 May 2002/442), section 17 (a) repealed by L:lla 31 May 2002/442.


section 18 (29.12.1994/1493) insurance of General and special policy conditions is the introduction of an insurance company shall be notified in writing to the months before the Financial control. The financial supervisory authority to ensure that the conditions are in accordance with this law. (19 December 2008/902)
Financial supervisory authority may, if necessary, require that the insurance company shall provide to the Agency a report on the reasons for insurance premiums, forms and other documents that the company uses in its dealings with policy-holders. (19 December 2008/902)
In view of the insurance payments shall be calculated on the virtue of the interests of insured persons, however, in such a way that insurance premiums must be in a reasonable relation to the cost of insurance, and that insurance payments usually are higher among the insurance, which has had to pay compensation.
The Ministry of Social Affairs and health provisions of the insurance and damage statistics can provide a basis for the classification of the risks, as well as on the basis of the vahingottomien over the years to be on the basis of the damage of the insurance payments, discounts and premiums increases.
The financial supervision of insurance companies carry out the tasks provided for in this article in the manner required by the surveys and calculations. (19 December 2008/902), section 18 (a) (16.4.1993/361) Ministry of Social Affairs and health may impose a reasonable fee for the support, which is considered to be of general importance to the promotion of road safety. Each section 17 of the insurance referred to in subsection (1) and (4) the activities of the Department of an insurance company in Finland is credited by the Bank Insurance Agency, which is to be carried out in a manner determined by the Ministry for the promotion of road safety in payment.
The provisions of the road traffic safety, in order to promote the financial control can provide the necessary damage on the collection of data and statistics. (19 December 2008/902), section 18 (b) (22 December 2006/1369) in accordance with this law, insurance companies must be involved in the year of insurance and the insurance agency in each calendar year by tying the compensation of certain accident 1) level (875/1971) increases in accordance with the law of the 6, 2), (6) (a) and (b) in section 6 of the medical fees and charges to be paid for the period after 2004, when involved in a road traffic accident in so far as the beginning of the calendar year following the date it has been more than nine years , or that are paid after 2014 before the year 2005, the accident cases and on the basis of the law of insurance 3) exclude a Rehabilitation Act (615/1991), as referred to in article 7 of the rehabilitation of the compensation to be paid for the period after 2004, when involved in a road traffic accident in so far as the beginning of the calendar year following the date it has been more than nine years, or who are paid after 2014 before the year 2005, the accident cases, financing in proportion to the amount of the contribution revenue as 2-7 provides (a division of the system). Insurance premium income for the purposes of this section the insurance company's profit and loss account in accordance with the laws of that contained in the insurance premium income.
Traffic insurance centre Announces insurance companies increases referred to in paragraph 1, allowances and payments in the previous year (allocation year) by 31 May of the ratio which determines the allocation of the financial contributions needed to finance the system (System) in relation to the distribution system of the year insurance premium income. The ratio is based on the assessment of the jakojärjestelmävuonna of the insurance companies and the Centre's future liability under paragraph 1, the fees and charges increases, (a division of the system of allowances) and insurance premium revenue. In addition, account must be taken of the relationship between the chapter and the difference between the compensation system born over-or deficit (balance of system) distribution system a year in the previous years. More detailed provisions on taking account of the balance of the allocation system for determining a number is given to the Ministry of Social Affairs and health.
Vakuutusyhtiökohtainen distribution system of payment in accordance with paragraph 2, multiplied by the ratio of the insurance company's insurance premium income distribution system of the year. Vakuutusyhtiökohtainen a division of system balance is determined by the insurance companies, the insurance fee revenue sharing system in relation to the distribution system of the year for the year and previous years accumulated distribution system. Vakuutusyhtiökohtainen a mechanism for sharing the balance of the insurance company's debt, if the balance is in surplus, and the insurance company's asset allocation system, if the balance is negative.
Motor City makes sharing system by 31 May of the year an estimate of the Centre and the Division of insurance companies, the amounts of compensation payments payable in the future system of jakojärjestelmävuonna as well as vakuutusyhtiökohtaisten a mechanism for sharing and distribution system for the quantities of the balances. More detailed provisions on the criteria will be given a preliminary estimate of the Ministry of Social Affairs and health.
The Division of insurance, the Agency shall confirm the system by 31 May of the year following that of the Centre and be borne by the insurance companies come to the Division system-year Division and vakuutusyhtiökohtaiset Division of the system of the payments system and the distribution system.
The insurance company has to pay in accordance with the estimate, and the final adoption of the system of payment and a mechanism for sharing the balance of the change in performance due to yhtiökohtaisen insurance agency, as well as the estimate of the number of the Centre is to the insurance company, and a mechanism for sharing the final adoption of a mechanism for sharing the balance of the change in compensation and performance due to yhtiökohtaisen. More detailed provisions for an additional fee and is given to the Ministry of Social Affairs and health.
The final performance referred to in paragraph 6 above will be included in the calculated interest and advance payments during the year-long division of the erotukselle system with effect from 1 July of the year. The interest rate will be used on the date specified in article 12 of the interest act in force under the reference rate.


Article 18 c (29 June 2007/742)


The policyholder is entitled to receive a certificate of insurance, the insurance company which issued the insurance, the period of validity of the transport, covered by the vehicles, as well as the damages on the basis of which insurance has been paid compensation. The certificate must be issued to the policyholder or to provide, at his request, to another insurance company within 15 days of the date of the submission of the request. The insurance company is not required to provide a certificate of insurance, which for more than five years have passed since the end of the.


section 19 (29.12.1994/1493) insurance may be granted only to the kind of insurance companies Act (1062/79) for the insurance company, which has acquired the right to engage in this kind of insurance in Finland.
What provides, shall apply by analogy to a foreign insurance company, which is a representation of, or which is engaged in the free provision of insurance services here so on.

VakuutusyhtiöL 1062/79 is repealed by the entry into force of the laws of the L:lla insurance company contribution to the 522/2008. See VakuutusyhtiöL 521/2008.



19 (a) of section (16.4.1993/361) If a foreign company intends to carry on the EEA insurance in Finland on the basis of the law on compulsory insurance, the right to the free provision of services in the Foreign Office, the company has in addition to what is provided for in the said activities separately, appoint a representative of the (compensation) come here to take care of the processing of claims and payment of compensation to the Board of Directors. Compensation of the agent is authorised to represent the company in matters relating to compensation for the damage of transport and transport insurance. (29.12.1994/1493)
Compensation of the agent must be in Finland, a permanent home or place of business. (29.1.1999/88)
Foreign insurance companies provided for in article 10 of the law on the notification shall state the name and address of the agent for compensation. The notification shall be accompanied by compensation to the Attorney of a power of Attorney, as well as a statement that the company has joined the insurance provided by the agency or a member of the membership of the application for insurance. In the latter case, the company must also give an undertaking that it will not start the pursuit of motor insurance in Finland until it has been approved as a member insurance agency. (brought an action/88) 19 (b) of section (20 December 1996/1036) This is in accordance with the laws of the insurance will cease to be in force for one month after the date on which the policy holder was informed of the liquidation of an insurance company or the commencement of bankruptcy proceedings and his duty to the new insurance period. If the policy-holder is not before this took insurance from another insurance company, he shall be deemed in breach of their obligation to insure against such liability in accordance with this law. A special report in respect of the management of the estate and of the foreign insurance company car insurance is a duty to report promptly to the obligation to take out an insurance policy holders in writing of the above from another insurance company.


Article 19 (c) (20 December 1996/1084) If the insurance company liquidation or bankruptcy, this in accordance with the law of compensation, either in part or in whole without the insurance companies Act, chapter 14, section 5 of the policy-holder under any additional payment after the completion of the policy holder, may be ordered to pay the insurance for the insurance payment as provided for in this article. The provisions of this section shall not apply to the consumer and the trader, the business, taking into account the nature and scope of its activities, as well as his circumstances otherwise is tantamount to a Contracting Party, the insurer, to the consumer. (13.12.2013/987)
Additional insurance may be issued to the policyholder on the basis of ownership or otherwise, which is used in the management of the company, a major influence on the insurance if the insurance carried on the pursuit of the business of insurance is essentially non-compliance with the provisions or regulations, or if the business is tainted by criminal procedure, which cannot be considered to be negligible. Under this article the amount of each payment to the policyholder for more insurance for their financial gain.
If additional insurance fee in accordance with paragraph 2, it is not enough to cover the share of the leftover and if this resolved without ensuring the insurance premiums are, on average, been unreasonably low compared to the cost of insurance and this can be substantially affected by the insurance company's assessment of issues relating to the liquidation or bankruptcy, in accordance with paragraph 2 may provide, by way of an additional insurance premium in addition to the insurance company for the essence of other liikennevakuutuksenottajille who have received financial benefits too low insurance premiums. Pursuant to this article shall provide for an additional insurance premium for each policy-holder to be less than or equal to it, he is too low as a result of the insurance payments received during the three years before the insurance company into liquidation or bankruptcy.
The additional insurance premium, and accounting will make the Motor City. The Ministry shall, if necessary, more specific provisions on the application of this article. The fee to be paid by wire transfer for your outstanding Maksuunpannulle and additional insurance, which is not paid at the latest on the due date, interest on arrears shall be charged interest rates referred to in subsection 3 of section 4 of the interest rate. Additional insurance payment together with interest on late payments can be siezed without a court order or decision, as the law on taxes and charges ulosottotoimin (367/61).

L taxes and charges ulosottotoimin 367/1961 has been revoked on the implementation of the 706/L:lla taxes and fees in 2007. KorkoL 633/1982, section 3 4 of the mom. is no longer valid. L 340/2002 according to the date of entry into force of that provision, if the rest of the law refers to the rate section 4 (3), is the provision of article 4 of the law rather than comply with an interest rate of 1.



19 (d) of section (20 December 1996/1084) If the insurance company liquidation or bankruptcy, this in accordance with the law of compensation, either in part or in whole without the additional obligation to pay after the completion of the policy-holders, shall be responsible for carrying out all or part of the insurance the insurance companies together. Without the contribution shall be financed by charging an annual yhteistakuumaksu from insurance companies, which are engaged in insurance maksuunpanovuonna. The insurance company can be included in the expenditure resulting from the increase in motor vehicle insurance yhteistakuumaksusta insurance premiums due.
The amount of the fee is determined by the insurance company's insurance on the basis of the risks covered by this insurance which has been, or estimated in proportion to the amount of the contribution revenue. The amount of the fee may be a year for a maximum of two per cent of the premiums referred to in the above. The Ministry shall, if necessary, more detailed provisions for the application of this article.
The fee to be paid by wire transfer for your outstanding and its Maksuunpannulle and ennakolle, which have not been carried out no later than the due date, interest on arrears shall be charged interest rates referred to in subsection 3 of section 4 of the interest rate. The payment of the advance and the interest may be siezed without a court order or decision, as the law on taxes and charges ulosottotoimin.


Article 19 (e) (20 December 1996/1084) traffic insurance centre, after the insurance company has been wound up or declared bankrupt, the right to receive an explanation-or from the information necessary for the performance of their duties provided for in this Act.
Chapter 5 of the specific provisions of section 20 (20 December 2002/1144) If the owner of a motor vehicle, the driver or the passenger has caused the damage intentionally or through gross negligence or if the damage has been caused by carelessness when driving a vehicle or usurped if someone is a subject that has caused the damage to the vehicle in such a State that his blood alcohol content was run during or after at least 1.2 mg/ml, or that he was at least 0.53 milligrams of alcohol per litre of breath, , or, is a subject that he has caused the damage to the vehicle by the way of alcohol or of any other intoxicating agent at the substance than under the influence of alcohol or under the influence of alcohol and any other intoxicating agent at the time of interaction so that the supply was substantially degraded his ability to flawless animal, and if the insurance company in such a case, the amount of the damages as compensation for the recipient of the run has the right to demand from the right, passes to the company. The liability is determined by the Compensation Act (412/1974) 2 and 4 on the basis of the criteria laid down in chapter.
The agreement, which the company reserves the right to korvausvelvollista against a wider than this article, shall be null and void.


20 (a) in the section (indicated/114) If the injured person is entitled to the same compensation as a result of injury, as well as the words of this law that the railway traffic liability law (113/1999), the liability of the insurance company, and according to the laws of the korvausvelvollisen between the rail liability shall be allocated on the basis of a demonstrated negligence and other damages, according to the authors of the facts is reasonable. However, if the damage is caused solely by the article 8 of the law on the other side of this: (1) or article 5 of the law of responsibility for rail transport: the point on the other side of the case, the compensation without having to find out is to run the first half.

If the insurance company has paid more than his share of compensation for damage, it has the right to get the rail according to the law of responsibility from what it is in this regard.


section 21 (16.4.1993/361) the provisions of this Act, the accident insurance company arising from the duties and rights of the State and car insurance, respectively.
If the motor is compensated pursuant to the third paragraph of article 10, and if the meaning of the said paragraph vahingonkärsineellä shall have the right to get compensation from the liable transport this according to the law, the insurance company or the Government or the rest of the animals from the basis of the law, which has caused the damage intentionally or by serious negligence, will move to the right of the injured party mentioned in the insurance policy.


21 (a) in the section (on October 29, 990) to establish the Insurance Company has the right to have the responsibility for the handling of claims and other information necessary for carrying out the tasks provided for in this Act to the authority, the health and Safety Centre, sairaanhoitotoimintaa from the pension, retirement or from an insurance company, the injured or the rest of the applicant for compensation from your employer, or any other benefit of unemployment to the cashier at the authority, without prejudice to the above, or the transmission of data subject to confidentiality in the rest.


Article 21 (b) (13.12.2013/987) motor insurance in the service of the Centre or a person acting as an expert on the basis of a mandate to exercise discretion, subject to the obligation of professional secrecy professional secrecy applicable to infringements of the disclosure and the insurance company Act, Chapter 30, section 1, 3 and 4.


section 21 c (30.12.2004/1360) Insurance Company has the right to professional secrecy, professional secrecy and to the provisions relating to the disclosure of information covered by the derogation, gives 6-(a) the services referred to in subparagraph (1) of section providing healthcare services and information relating to such damaged the self-employed, who are essential for the 6 (a) referred to in paragraph (2) of the Bill of costs of a damaged on the need for treatment and care.


section 22 (on 11 November 1988/928) that, under the law of this Act or the auto liability is carried out for pain and suffering, failure and permanent harm or medical expenses, burial costs, or any other person for any damage of the costs incurred, shall not be seized.


pursuant to article 23 of the automobile Liability Act during the period of validity of the covered by insurance in accordance with the laws of the insurance, and this is the owner of the motor vehicle and the driver the right to the issue of compensation for personal injury, unless the holder has had limited it to 15, as provided for in paragraph 1 of the article.
The insurance company, which has been authorised on the basis of the insurance to the pursuit of the car liability law, has the right to continue to operate in accordance with the terms of this law in the preamble.


section 24 (29.12.1994/1493) detailed rules on the implementation of this Act shall be established by regulation.

This law shall enter into force on 1 January 1960, and for the repeal of the law of the sea of 10 December 1937, the automobile Liability Act (412/37) and any amendments thereto (338/51).


The change of the date of entry into force and the application of the acts: 8.6.1964/310: this law shall enter into force on 1 July 1964. If transport damage has occurred prior to the entry into force of the law, to apply for compensation, however, the earlier provisions of the Act.




23.12.1964/638: this law shall enter into force on 1 January 1965.




22.3.1968/167: this law shall enter into force on 1 April 1968.




31.5.1974/421: this law shall enter into force on 1 September 1974, but does not apply to compensation for the damage caused to it before.




5.12.1974/898: this law shall enter into force on 1 January 1975.




23.6.1977/499: this law shall enter into force on 1 July 1977.




23.3.1979/374: this law shall enter into force on 1 January 1980, but does not apply to compensation for the damage caused to it before.




2.4.1982/255: this law shall enter into force on 1 May 1982.
THEY 258/81, lvk. Mrs. 1/82, svk. Mrs. 3/82 23.7.1982/561: this law shall enter into force on 1 August 1982.
THEY'RE 95/82, sosvk. bet. 4/82, svk. Mrs. 104/82 21.12.1984/941: this law shall enter into force on 1 April 1985.
This law does not apply to the matter, which prior to the date of the entry into force of this law, or where the insurance company prior to the entry into force of the law has been initiated in respect of the carrying out of an action or the compensation set out to run the course of the proceedings, the claim for compensation. The increase is, however, be subject to the provisions of the compensation to a 12 (a) the compensation referred to in section a, in which the due date is on or after the date of entry into force of the law.
This law 12 (a) of section provided for the amount of the wage index corresponds to the year 1984, referred to.
THEY'RE 16/84, sosvk. bet. 13/84, svk. Mrs. on 11 November 1988/153/84 9: this law shall enter into force on 1 January 1990.
THEY 4/88, another lvk. Mrs. 5/88, svk. Mrs. 97/88 16.4.1993/361: this law shall enter into force at the time of the decreed. (L 361/1993 came into force on 1 January 1994, in accordance with A 730/1993.)
This law does not apply to prior to the entry into force of the law in the aftermath of a road traffic accident.
What the rest of the Act provides for the insurance of the Association, shall apply by analogy to the traffic insurance centre.
Before the entry into force of this law may be to take the measures needed to implement the law.
THEY'RE 340/92, 2/93, the EEA Kouba annex IX to the agreement: Council Directive (72/166/EEC) (other. Council Directive 72/430/EEC), Council directives (84/5/EEC, 90/232/EEC, and 90/618/EEC) 15.7.1994/656: this law shall enter into force on 1 September 1994.
THEY LaVM 9/18/92, 94, SuVM 2/94 29.12.1994/1493: this law shall enter into force on 1 January 1995.
This law does not apply to prior to the entry into force of the law in the aftermath of a road traffic accident.
Before the entry into force of this law may be to take the measures needed to implement the law.
THEY are 316/94, 18/94 of the EEA Kouba annex IX to the agreement: Council Directive (92/49/EEC) of 3 March 1995/324: this law shall enter into force on 1 May 1995.
This law does not apply to the matter, which prior to the date of the entry into force of this law in an insurance company. The increase is, however, subject to the provisions of the compensation for damage based on a compensation of a person, the date of entry into force of this Act by the due date is on or after the date you enter.
THEY'RE 292/94, 58/94 of 20 December 1996/328 TaVM: this law shall enter into force on 1 January 1997.
After the entry into force of the law will apply to the start of the liquidation or bankruptcy.
THEY 226/1996, Shub 38/1996, 30 December 1998, 234/1996/1211 EV: this law shall enter into force on 1 January 1999.
THEY are 233/1998 31/1998, TaVM EV 204/1998 brought an action/88: this law shall enter into force on 1 April 1999.
They are issued by the authorization, the provisions of the relevant Ministry, instructions, and other insurance and motor insurance agency for the control of decisions, the administration of which at the date of entry into force this law enters into force, shall continue to apply to the insurance supervisory agency, until the Insurance supervisory authority decides otherwise.
THEY'RE 163/1998, TaVM 29/1998, EV: 202/1998/114: this law shall enter into force on 1 September 1999.
THEY'RE 234/1997, LaVM 23/1998, EV 249/1998 on October 29, 1999/990: this law shall enter into force on 1 January 2000.
THEY'RE 37/99, 6/1999, EV TaVM 30/1999, which it received on/11: this law shall enter into force on 1 January 2000.
Before the entry into force of this law may be to take the measures needed to implement the law.
THEY'RE 107/1999, Kouba 3/1999, of 21 December 2001/65/1999 EV 1380: this law shall enter into force on 1 January 2002.
This law 14-14 m from the entry into force provided for in article of the Council of State regulation. (Section 14 of the law i – 14 m will be in accordance with the entry into force of A 911/2002 1 December 2002.)
The date by which the 14 (a) those referred to in subparagraph (1) of section 4 shall be identified and the information referred to in article 14 (c) submit to the Council, by regulation, provide for the State.
THEY'RE 190/2001, Kouba 11/2001, EV 149/2001 31 May 2002/442: this law shall enter into force on 1 January 2003.
THEY'RE 16/2002, Kouba 3/2002, dated 28 June 2002 2002/548/EV: this law shall enter into force on 1 July 2002.
THEY'RE 73/2002, Kouba 9/2002, EV 93/2002, Council Directive 72/166/EEC (31972L0166); OJ No l L 103, 2.5.1972, p. 1, Council Directive 84/5/EEC (31984L0005); OJ No l L 8, 11.1.1984, p. 17, Council Directive 90/232/EEC (31990L0232); OJ No l L 129, 19.5.1990, p. 33 on 11 December 2002/1099: this law shall enter into force on 1 January 2003.
THEY 141/2002 19/2002, Kouba, EV 193/2002 of 20 December 2002/11: this law shall enter into force on 1 February 2003.
THEY 223/2002 12/2002, Kouba, EV 164/2002 16 June 2004/510:


This law shall enter into force on 1 January 2006.
This law shall apply to the transport of the motor vehicle after the entry into force of the laws of the damage caused by the replacement. The reference to the law, Chapter 5, article 8, however, also apply to the claim, which is based on the entry into force of the laws on the use of the motor vehicle traffic injury.
Before the entry into force of this law to change the compensation provided for in the standing orders through payments to be paid shall be applied upon the entry into force of this law, the existence of the article 6 of the law.
THEY LaVM 167/2003, (EC) No 1/2004, EV 60/2004 30.12.2004/1352: this law shall enter into force on 1 January 2005, and it shall remain in force until 31 December 2005. This law shall also apply to damage caused by transport, which took place before the law came into force.
THEY 249/2004, Shub 40/2004, EV 210/2004 30.12.2004/1360: this law shall enter into force on 1 January 2005.
This law shall be applied to the traffic damage caused by the entry into force of this law, that have occurred in the entry. 18 (b) of this article shall apply to the law prior to the entry into force of the law to the damage took place.
This Act repeals a number of linking the level of compensation in a road traffic accident on 17 December 1971 (875/1971) section 3 of the Act, as it is the law in 1993, and a number of transport 362/damages to the binding of the wage increases in the costs referred to in the Act on the allocation of insurance companies and insurance centre between 15 December 2000 of the Ministry of Social Affairs and health Decree (1107/2000).
THEY 158/2004 28/2004, Shub, EV 169/2004 of 22 December 2005/1098: this law shall enter into force on 1 January 2006.
This law shall also apply to damage caused by transport, which took place before the law came into force.
THEY 178/2005, Shub 39/2005, EV 209/2005 22 December 2006/1369: this law shall enter into force on 1 January 2007.
This law shall apply in 2007 and after the Division of the system increases, compensation and payments to be financed.
For the purposes of this law, section 18 (b) of subsection 2, the Division within the system as a ratio for 2007 is used to 9.3% of the insurance company's profit and loss account in accordance with the laws of that contained in the insurance premiums, which includes a mechanism for sharing.
This section of the law 18 (b) and (3) of the year 2007 in the previous years to accumulate the amount of the balance of the allocation system is zero.
THEY 238/2006, Shub 44/2006, EV 212/2006 as at 29 June 2007/742: this law shall enter into force on 4 July 2007.
THEY'RE 20/2007, 2/2007, Kouba EV 8/2007 of 19 December 2008/902: this law shall enter into force on 1 January 2009.
THEY'RE 66/2008 20/2008, EV, TaVM 109/2008 13 March 2009/146: this law shall enter into force on 1 September 2009.
Before the date of the entry into force of the laws which have been in force at the time of entry into force of the law applies.
THEY LaVM 16/70/2008, 2008/2009, on 22 December 2009, EV 5/1335: this law shall enter into force on 1 January 2010.
Before the entry into force of the law can be taken in the implementation of the law.
THEY'RE 208/2009, Kouba 23/2009, EV 203/2009 30.12.2010/1344: this law shall enter into force on 1 May 2011.
Before the entry into force of this law may be to take the measures needed to implement it.
THEY'RE 90/2010, Shub 40/2010, EV 244/2010 13.12.2013/987: this law shall enter into force on 1 January 2014.
THEY'RE 83/28/2013, 2013, TaVM PeVL 24/13, EV 144/2013