Nearly 600 thousand vehicles in our country have no civil liability

European Commission and May will live to such a miracle – to return control of our border because of the poet, but fulfilled our promise. Recent evidence of mandatory insurance coverage is 81.07 percent, reported the Insurance BG Emil Atanasov Governor Insurance Supervision Department in the Financial Supervision Commission. Approximately 3,1 million cars registered in Bulgaria, this means that over 586 thousand vehicles with Bulgarian registration move without having active policy against civil liability. At the same time data to mid-June suggests that movement of cars stopped a little over 44 thousand, and Vehicles with existing policies on civil liability – 2 445 140. Active Vehicles for the same period, according to the Interior Ministry, however, were 3 033 319. Not to mention that on our roads and cars still have old license plates.
So far the European Commission did not impose effective penalties for failure to maintain coverage for civil liability, we can not predict what might be sanctions against us. Our obligations are clear – we must cover at least 90 per cent. But the facts speak for themselves – this band was recorded immediately after re-registration of cars here during the 2007th. Since then kept pushing cherished not exceed 10% are occasional drivers and we can not limit them.
The figures show that at December 30, 2007 coverage was 93.94% and by January 4, 2009 – 73.71%. In the coming months of this year, it is respectively: 1 February – 76.51%, March 1 – 76.71%, 5 April -78.24% 10 May-79, 49%, 7 June-80 75%.
Leaders in sales of civil liability are: Lev Ins (23% of the market), DZI (16% of the market), and Bulgarian Property PLC (collectively the two companies of the Vienna Insurance Group held 23%).
By the Traffic Police Insurance BG reported that only about half because of driving without insurance against civil liability in 6644 were issued penalty warrants to individuals and 61 – legal. 5837 and have issued rulings in criminal cases where there was a valid sticker on the car, but can not provide evidence of insurance.
What could be sanctions against us?
There are several options. One is for Europe to return to border controls for the presence of insurance. It is not excluded Bulgarian office „green card“ to be placed in a special regime, including financial guarantees are requested from Bulgaria. Also, it can be aggravated by significant reinsurance contract terms of the Guarantee Fund, warned Atanasov.
Which of the possible sanctions could be implemented is a matter of time to see if the responsible institutions do not take radical and urgent measures.
Reasons for the lack of civil liability are predavkvani repeatedly – the lack of functioning information network between the FSC, MI, GF and the Ministry of Transportation allows drivers to bg-mishkuvat to circumvent the law. Lack of effective mechanism to control irregular road drivers as well as deferred payment of bills complete picture of guilt.
Usually these are drivers of small towns and villages in Bulgaria or in the suburbs of large cities. For years in our existing practice in some regions campaigns before harvest (mushrooms, fruit, snails) to buy old cars without massive numbers without insurance, the goods may be spent to relevant posts. And likely to cut this vicious practice, the new rulers of the interior ministry is zakaniha traffic police have already come in small towns and villages in the country.
„At the moment the money for regular insured drivers cover the operation of some criminals on the road with no insurance, but drive their cars,“ complains in front of BG Insurance Secretary of the Guarantee Fund (GF) Nikolay Sotirov. He confirmed that there was a sharp increase in the number and amount of his claim for payment of claims for the period January-July this year No longer claims a few hundred euro, having filed claims for millions. Half-yearly general fund has paid compensation for a total of more than 2,5 million
Bulgaria’s membership in the EU and open borders for the Bulgarians abroad and for foreigners in the country. Which means that if a driver hit a foreigner irregular, the Fund will pay according to the limits of liability of the country where the victim is a citizen. There are European countries that have limits of liability ceiling. Thus the potential kamikadzeta without insurance create extremely dangerous situation. If the theory for one year a dozen such accidents occur, the solvency of the Guarantee Fund may be seriously threatened. Half-yearly collected funds are GF 55, EUR 221 million (at a minimum requirement of 10 million euros).
Since last autumn, before the guarantee fund has sent more than 400 thousand letters to drivers for not knowing you have insurance or not. After processing the returned information, it appears that 112 thousand you can not prove they have a policy. „These people are brought to Police immediately immobilize and penalties,“ said Sotirov. He was categorical that the current discipline system is not sanctioning the guilty drivers.
In the countries of Europe, if the driver drives a car without civil liability, the supervisory authorities removed the registration plates, car parking and He leads to the owner and the insurance and pay the fine, it manages to get caught without it, and the cost of the car to drive parking lot and stay there.
„In other EU Member States registration numbers are compelling evidence for the presence of civil liability. Are there signs – there is insurance. That is why the procedure for waiver of the plate is rigid and applied without exceptions, „said Sotirov.
The Bulgarian Law on Road Traffic, however, no provision to regulate and allows removal of license plates without or with expired concluded compulsory insurance against civil liability of motorists, announced by the Traffic Police.
Provisions of the road and the Insurance Code governing the establishment of a just act establishes an administrative violation and immobilize the vehicle, then the conclusion of insurance. Penal decree shall be issued in the region where the infringement is established, but so far no one has ever seen a car without a „civil“, abandoned on the road. The suspension means the withdrawal from circulation of documents for registration. The driver is issued instrument and is given a circular mark, allowing some time for the movement (which is at the discretion of the monitor) in a number of conditions. Usually given for 2-3 days, during which the insurance must be underwritten.
This „soft“ sanctions must be „hardened“ to be instructive and educative effect of the firm are the Guarantee Fund.
At present our current laws and regulations governing the absence of civil liability to a fine of BGN 600 (second violation in 2000 levs) for natural and 5000 BGN (for repeated violation 10 000 Euro.) Legal entity.
If a driver does not carry with it the instrument of insurance, but the car has a valid sticker, the fine is $ 10 If no coupon inspection sticker and the sign of the Guarantee Fund, the fine is 50 euro.
Forthcoming working group involving representatives of the FSC, MI, MS, GF, Ministry of Transport, to hold another meeting to discuss how to raise the requirements for non-regular drivers, said the head of insurance supervision Emil Atanasov.
All experts, however, are categorical: there is no political will know about new regulations and compliance with the law and acts podnormativnite, nothing will change.
In other Member States in an emphatic way practices are applied for the waiver of registration plates in the absence of civil liability.
And our country has several options for useful moves. One of them is in establishing the absence of civil liability „traffic cop to take a slip of the vehicle and driving license of driver, car to aid transportation by road to the nearest public parking lot. Guilty as can be gathered without a car, and after payment of compulsory insurance, went to get his car from the parking lot, paying the fine that he drove without insurance and fees of „Roadside assistance for transportation and parking based on. If you had the police but was not in it, the procedure is the same.
More severe penalty options are quick court proceeding or confiscation of the car.
Which option will come up working group to be seen. If there is political will.