Association of Serbian Insurers
Guarantee Fund
Garantni fond pri Udruženju osiguravača Srbije osnovan je u skladu sa zakonom o osiguranju imovine i lica iz 1996. godine i otpočeo je sa radom u julu 1997. godine. Poslovanje garantnog fonda obavlja se kao
The Guarantee Fund of the Association of Insurers of Serbia was established in accordance with the Law on Property and Liability Insurance from 1996 and began operations in July 1997. The business of the Guarantee Fund is conducted as a public authorization entrusted to the Association by law.
The funds of the Guarantee Fund for settling obligations and covering the operational costs of the Guarantee Fund, in accordance with the law, are formed from contributions of insurance organizations, allocations from the premiums of compulsory insurance, funds obtained from recourse claims against persons who did not conclude a compulsory insurance contract, and other funds in accordance with the law.
In performing its duties, the Guarantee Fund accepts compensation claims, conducts their assessment and settlement, pays the insured sum or damages, and enforces recourse claims in cases provided by law.
The Guarantee Fund is obligated to pay compensation for damages to the same extent and under the same conditions as if a liability insurance contract had been concluded on the date of the damage, up to the amount that limits the liability of insurance companies according to the law.
The funds of the Guarantee Fund are used to pay the insured sum, or compensation for damages to the injured parties, in the following cases:
1) If the damage is caused by the use of a motor vehicle, aircraft, boat, or another means of transport for which no compulsory insurance contract had been concluded, but such an obligation was established by law.
The obligation of the Guarantee Fund to compensate for damages caused by the driver of an uninsured vehicle is conditional on the following:
• The vehicle that caused the damage is uninsured, and by law, it is classified as a means of transport for which compulsory insurance is required,
• The driver of the uninsured vehicle is responsible for the damage, either fully or partially.
2) If the damage is caused by the use of an unknown motor vehicle, aircraft, or boat resulting in death, bodily injury, or health impairment, as well as damage to property, if a participant in the traffic accident has been compensated for severe bodily injuries requiring hospital treatment, with the injured party’s participation in the damage being 10%, but no more than 500 euros in the dinar equivalent at the time of the accident.
An injured party is not entitled to compensation for vehicle damage from the Guarantee Fund if the damage was caused by an unknown motor vehicle and there were no injured persons requiring hospital treatment (e.g., if the vehicle was damaged by an unknown vehicle in a parking lot).
3) If the damage is caused by the use of a motor vehicle, aircraft, boat, or another means of transport for which a compulsory insurance contract was concluded with an insurance company that is undergoing bankruptcy proceedings.
zakonom povereno javno ovlašćenje Udruženju.
Sredstva garantnog fonda za podmirenje obaveza i pokriće troškova poslovanja garantnog fonda, u skladu sa zakonom, se obrazuju doprinosima organizacija za osiguranje, izdvajanjima iz premije obaveznih osiguranja, iz sredstava ostvarenih od regresnih zahteva prema licima koja nisu zaključila ugovor o obaveznom osiguranju i drugih sredstava u skladu sa zakonom.
U obavljanju poslova garantni fond prima odštetne zahteve i vrši njihovu procenu i likvidaciju, isplaćuje osiguranu sumu, odnosno naknadu štete i ostvaruje regresne zahteve u slučajevima predviđenim zakonom.
Garantni fond ima obavezu da isplati naknadu štete u istom obimu i prema istim uslovima kao da je na dan nastanka štete bio zaključen ugovor o osiguranju od autoodgovornosti, dakle do iznosa kojim je zakonom ograničena obaveza osiguravajućih društava.
Sredstva garantnog fonda koriste se za isplatu osigurane sume, odnosno naknade štete oštećenim licima, u sledećim slučajevima:
1) Ukoliko je šteta prouzrokovana upotrebom motornog vozila, vazduhoplova, čamca ili drugog prevoznog sredstva za koje nije bio zaključen ugovor o obaveznom osiguranju, a takva obaveza je bila utvrđena zakonom.
Obaveza garantnog fonda na naknadu štete po odgovornosti vozača neosiguranog vozila je uslovljena sledećim:
• Da je prevozno sredstvo koje je prouzrokovalo štetu neosigurano, a da po zakonu spada u prevozna sredstva za koja je obavezno zaključiti osiguranje,
• Da je vozač neosiguranog prevoznog sredstva odgovoran za nastanak štete, u celosti ili delimično.
2) Ukoliko je šteta prouzrokovana upotrebom nepoznatog motornog vozila, vazduhoplova i čamca zbog smrti, povrede tela ili narušavanja zdravlja, kao i štetu na stvarima ukoliko je nekom učesniku saobraćajne nezgode isplaćena naknada zbog teških telesnih povreda koje su zahtevale bolničko lečenje, uz učešće oštećenog lica u šteti od 10%, ali ne više od 500 evra u dinarskoj protivvrednosti na dan štetnog događaja;
Oštećeno lice nema pravo na naknadu štete na vozilu iz sredstava garantnog fonda ukoliko je štetu prouzrokovalo nepoznato motorno vozilo, a nije bilo povređenih lica koja su zahtevala bolničko lečenje (npr. ako je vozilo oštećeno upotrebom nepoznatog vozila na parkingu).
3) Ukoliko je šteta prouzrokovana upotrebom motornog vozila, vazduhoplova, čamca ili drugog prevoznog sredstva za koje je zaključen ugovor o obaveznom osiguranju sa društvom za osiguranje nad kojim je pokrenut stečajni postupak.