The history of automobile insurance in France
The history of automobile insurance in France starts in 192 914, with the creation of the French Central Bureau of insurance companies for the study of statistics on car accidents. In view of increased car traffic, the legislature decided 13 July 1930 to regulate automobile insurance.
At the end of the Second World War augmenter road traffic and with it the number of injured. To raise awareness, the insurance companies with the help of road Union of France have the initiative in 1949 to create the Road safety. Its mission is to encourage, to study and implement measures to reduce the frequency and severity of road accidents. It sets up a network of information and public awareness. She is joined in 1972 by the Inter ministerial Committee for Road Safety. Its purpose is to raise awareness among road users of risk factors related to driving: speed, alcohol, not wearing the belt, fatigue, etc.
At the time the insurance is not mandatory that can do that victims may be doubly harmed in case of serious bodily injury if the responsible drivers do not have the means to compensate the victims themselves, the latter in addition to their injuries can not be compensated. To put an end to this injustice, the law of December 31, 1951 gave birth to the Motor Guarantee Fund (FGA). This structure is responsible for paying the compensation awarded to victims of injury accidents caused by vehicles whose drivers are unknown or insolvent and uninsured. The FGA appear quickly sees its financial limits. Most cars are insured but these are the two wheels that are less covered and more exposed to Graves,17 injury. This pushes the legislature to impose car insurance to all 27 February 1958, six years later.
In 1955, the automotive common Office (ACO) is created and regroups independent automotive experts to quickly estimate the cost of claims for on behalf of insurance companies. The BCA succeeded the Convention Expertise 195416. However, the profession of experts is not organized before 1972.
On 1 May 1968 the direct compensation agreement of the insured (IDA) is established to allow companies to insurance to indemnify the insured directly without waiting for the outcome of an appeal of longer law. This agreement sets up a schedule of responsibility that simplifies procedures between insurance companies. This agreement helps manage almost 80% of distressing. In 1974, she became the Convention inter motor claims settlement companies (IRSA).
In order to promote good drivers and punish the bad, the legislator establishes the bonus-mauls scheme of 11 June 197619. However, its existence is undermined by the Brussels Commission believes that it harms free competition and that it contravenes the Third Directive regulating the non-life insurance, effective July 1, 1994. But on Sept. 8, 2004, the European Court of Justice makes a decision in favor Franglais system.
On 1 October 1977 comes into force the application of the Indemnity Agreement injury accidents (IDAC) in order to improve the compensation limit for bodily injury claims.
This is a result of the Charon case that governments are recognizing that family members of the driver or the insured are not automatically insured as well as third parties. Indeed Article L. 211-1 § 5 of the Code does assurance considered third parties until January 7, 1981. Before this law, if the driver does not endorse a specific insurance for his family members are not compensated in case of accident. The change in the law in their favor thus allows passengers to be systematically ensured without signing a particular option.
The July 13, 1982, all insurance contracts that cover damage to property must include a guarantee against natural disasters .
During a traffic accident is the common law liability of articles 1382 et seq civil code that applies. This poses problems for an equitable system of compensation for injury because the driver may be exonerated wholly or partially from liability in case of external cause.
On July 21, 1982 the Second Civil Chamber of the Supreme Court will make a contested stoppage "Stop the Dearests" launches an all or nothing policy to the detriment of victims. Indeed if there is negligence, it will be completely devoid of action against the driver. Add to that the increasing number of casualties on the road which is close to 300 000 by Anna,24. Some judges refuse to apply that judgment, creating an imbalance between courts. So that no victim of road accidents is found without compensation, the Bad inter Act was passed July 5, 1985 and comes into force on 1 January 1986.
On 1 January 1986, the Indemnity Agreement on behalf of others (ICA) was established. It was replaced on 1 April 2002 by the Convention of compensation and automobile body use (IRCA). 16
The automotive guarantee fund is too solicited for accidents caused by uninsured drivers. Thus, the legislature mandates the insurance thumbnail display on vehicles as of 9 September 1986. This facilitates the monitoring of compliance with the insurance obligation and makes more effective sanctions.
On 25 June 1990, the law requires that the guarantee of automobile fire insurance policies also cover damage caused by storms, hurricanes or cyclone.
By Cary
The history of automobile insurance in France starts in 192 914, with the creation of the French Central Bureau of insurance companies for the study of statistics on car accidents. In view of increased car traffic, the legislature decided 13 July 1930 to regulate automobile insurance.
At the end of the Second World War augmenter road traffic and with it the number of injured. To raise awareness, the insurance companies with the help of road Union of France have the initiative in 1949 to create the Road safety. Its mission is to encourage, to study and implement measures to reduce the frequency and severity of road accidents. It sets up a network of information and public awareness. She is joined in 1972 by the Inter ministerial Committee for Road Safety. Its purpose is to raise awareness among road users of risk factors related to driving: speed, alcohol, not wearing the belt, fatigue, etc.
At the time the insurance is not mandatory that can do that victims may be doubly harmed in case of serious bodily injury if the responsible drivers do not have the means to compensate the victims themselves, the latter in addition to their injuries can not be compensated. To put an end to this injustice, the law of December 31, 1951 gave birth to the Motor Guarantee Fund (FGA). This structure is responsible for paying the compensation awarded to victims of injury accidents caused by vehicles whose drivers are unknown or insolvent and uninsured. The FGA appear quickly sees its financial limits. Most cars are insured but these are the two wheels that are less covered and more exposed to Graves,17 injury. This pushes the legislature to impose car insurance to all 27 February 1958, six years later.
In 1955, the automotive common Office (ACO) is created and regroups independent automotive experts to quickly estimate the cost of claims for on behalf of insurance companies. The BCA succeeded the Convention Expertise 195416. However, the profession of experts is not organized before 1972.
On 1 May 1968 the direct compensation agreement of the insured (IDA) is established to allow companies to insurance to indemnify the insured directly without waiting for the outcome of an appeal of longer law. This agreement sets up a schedule of responsibility that simplifies procedures between insurance companies. This agreement helps manage almost 80% of distressing. In 1974, she became the Convention inter motor claims settlement companies (IRSA).
In order to promote good drivers and punish the bad, the legislator establishes the bonus-mauls scheme of 11 June 197619. However, its existence is undermined by the Brussels Commission believes that it harms free competition and that it contravenes the Third Directive regulating the non-life insurance, effective July 1, 1994. But on Sept. 8, 2004, the European Court of Justice makes a decision in favor Franglais system.
On 1 October 1977 comes into force the application of the Indemnity Agreement injury accidents (IDAC) in order to improve the compensation limit for bodily injury claims.
This is a result of the Charon case that governments are recognizing that family members of the driver or the insured are not automatically insured as well as third parties. Indeed Article L. 211-1 § 5 of the Code does assurance considered third parties until January 7, 1981. Before this law, if the driver does not endorse a specific insurance for his family members are not compensated in case of accident. The change in the law in their favor thus allows passengers to be systematically ensured without signing a particular option.
The July 13, 1982, all insurance contracts that cover damage to property must include a guarantee against natural disasters .
During a traffic accident is the common law liability of articles 1382 et seq civil code that applies. This poses problems for an equitable system of compensation for injury because the driver may be exonerated wholly or partially from liability in case of external cause.
On July 21, 1982 the Second Civil Chamber of the Supreme Court will make a contested stoppage "Stop the Dearests" launches an all or nothing policy to the detriment of victims. Indeed if there is negligence, it will be completely devoid of action against the driver. Add to that the increasing number of casualties on the road which is close to 300 000 by Anna,24. Some judges refuse to apply that judgment, creating an imbalance between courts. So that no victim of road accidents is found without compensation, the Bad inter Act was passed July 5, 1985 and comes into force on 1 January 1986.
On 1 January 1986, the Indemnity Agreement on behalf of others (ICA) was established. It was replaced on 1 April 2002 by the Convention of compensation and automobile body use (IRCA). 16
The automotive guarantee fund is too solicited for accidents caused by uninsured drivers. Thus, the legislature mandates the insurance thumbnail display on vehicles as of 9 September 1986. This facilitates the monitoring of compliance with the insurance obligation and makes more effective sanctions.
On 25 June 1990, the law requires that the guarantee of automobile fire insurance policies also cover damage caused by storms, hurricanes or cyclone.
By Cary
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