hrcak mascot   Srce   HID

Izvorni znanstveni članak

Collision between Vehicles Owned by the Same Leasing Company and the Issue of Third Party in Automobile Liability Insurance

Nikoleta Radionov ; Faculty of Law, University of Zagreb, Zagreb, Croatia
Adriana Vincenca Padovan ; Adriatic Institute, Croatian Academy of Sciences and Arts, Zagreb, Croatia

Puni tekst: hrvatski, pdf (242 KB) str. 1043-1076 preuzimanja: 751* citiraj
APA 6th Edition
Radionov, N. i Padovan, A.V. (2012). Sudar vozila u vlasništvu istog leasing društva i problem treće osobe iz AO osiguranja. Zbornik Pravnog fakulteta u Zagrebu, 62 (4), 1043-1076. Preuzeto s https://hrcak.srce.hr/94478
MLA 8th Edition
Radionov, Nikoleta i Adriana Vincenca Padovan. "Sudar vozila u vlasništvu istog leasing društva i problem treće osobe iz AO osiguranja." Zbornik Pravnog fakulteta u Zagrebu, vol. 62, br. 4, 2012, str. 1043-1076. https://hrcak.srce.hr/94478. Citirano 27.01.2020.
Chicago 17th Edition
Radionov, Nikoleta i Adriana Vincenca Padovan. "Sudar vozila u vlasništvu istog leasing društva i problem treće osobe iz AO osiguranja." Zbornik Pravnog fakulteta u Zagrebu 62, br. 4 (2012): 1043-1076. https://hrcak.srce.hr/94478
Harvard
Radionov, N., i Padovan, A.V. (2012). 'Sudar vozila u vlasništvu istog leasing društva i problem treće osobe iz AO osiguranja', Zbornik Pravnog fakulteta u Zagrebu, 62(4), str. 1043-1076. Preuzeto s: https://hrcak.srce.hr/94478 (Datum pristupa: 27.01.2020.)
Vancouver
Radionov N, Padovan AV. Sudar vozila u vlasništvu istog leasing društva i problem treće osobe iz AO osiguranja. Zbornik Pravnog fakulteta u Zagrebu [Internet]. 2012 [pristupljeno 27.01.2020.];62(4):1043-1076. Dostupno na: https://hrcak.srce.hr/94478
IEEE
N. Radionov i A.V. Padovan, "Sudar vozila u vlasništvu istog leasing društva i problem treće osobe iz AO osiguranja", Zbornik Pravnog fakulteta u Zagrebu, vol.62, br. 4, str. 1043-1076, 2012. [Online]. Dostupno na: https://hrcak.srce.hr/94478. [Citirano: 27.01.2020.]

Sažetak
The article considers the legal relationships arising from the collision between two (or more) vehicles owned by the same leasing company (leasing-leasing case). According to common practice widely accepted in the domestic insurance market, claims for damage to the vehicle in these cases are excluded from automobile liability insurance (ALI). This is due to the fact that in such cases all vehicles participating in the collision are owned by the same leasing company, which is in turn the only insured person on the ALI policies in respect of both (or all) vehicles. The lessee in such cases figures solely as the purchaser of the ALI policy, i.e. as the person who bears the financial burden of effecting ALI insurance, but has no rights under that policy. ALI insurance is insurance against third party liability. According to such interpretation the insured person on all the ALI policies in leasing-leasing cases is the leasing company. There is no third injured party and, therefore, there is no basis for coverage under ALI. Although the lessee is the one who is legally and contractually liable for damage and the insured risk therefore lies primarily on him, he remains entirely without insurance protection, despite the fact that he purchased the ALI policy. The current and the derogated statutory provisions relevant for understanding this subject matter are analysed and the actual interpretation of the respective legal relationships in leasing-leasing cases is criticised, whilst proposals are given to improve such inequitable practice.

Ključne riječi
leasing - leasing; automobile liability insurance; AL; comprehensive insurance; collision of the vehicles owned by the leasing company; vehicle user

Hrčak ID: 94478

URI
https://hrcak.srce.hr/94478

[hrvatski] [njemački]

Posjeta: 1.461 *