University of Zenica, Zenica, Bosnia and Herzegovina
University of Zenica, Zenica, Bosnia and Herzegovina
University of Mostar, Mostar, Bosnia and Herzegovina
Donošenjem novih entitetskih Zakona o obaveznim osiguranjima u
prometu/saobraćaju u Bosni i Hercegovini postignut je određen nivo
harmonizacije domaćeg zakonodavstva s europskom pravnom stečevinom u
datoj oblasti. Detaljno su normirana prava i obaveze ugovornih stranaka kod
ugovora o osiguranju od građanskopravne izvanugovorne odgovornosti za štetu
pričinjenu trećim osobama iz upotrebe motornog vozila, a zakoni sadrže i brojne
promjene koje su donesene u cilju zaštite trećih osoba koje ostvaruju prava iz
navedenog ugovora. Zbog iznimnog značaja i poštovanja javnog interesa, kod
obaveznih osiguranja u prometu državno ograničavanje tržišnog nadmetanja u
našoj zemlji je i dalje prisutno. Jedna od najvažnijih promjena je donošenje
odredaba kojima se ograničava državna intervencija u određivanju cijena premije
i propisivanja uvjeta osiguranja, odnosno kojima se uvodi postupna liberalizacija
i deregulacija ove vrste osiguranja. Slobodno formiranje cijena i propisivanje
uvjeta osiguranja od ostrane osiguravajućih društava zajamčeno je propisima
europskog prava osiguranja. Iako su Zakonom o obaveznim osiguranjima u
prometu inicijalno bili predviđeni striktni zakonski rokovi za implementaciju
procesa liberalizacije, putem izmjena i dopuna Zakona navedeni procesi su
odgođeni za jednu godinu. Imajući u vidu globalne promjene kojima
svakodnevno svjedočimo u ekonomskoj i političkoj sferi, postavlja se pitanje je
li bosanskohercegovačko osigurateljno tržište spremno suočiti se s izazovima
koje donosi liberalizacija tržišta obaveznih osiguranja u prometu ili bi možda bilo
korisnije navedene procese odložiti za još neko vrijeme.
By enacting of the new entities' Laws on Mandarory Insurances in Traffic
a certain level of harmonization of domestic legislation with the European aquis
has been reached in Bosnia and Herzegovina in this matter. Rights and
obligations of the contractual parties in a contract on insurance of civil noncontractual liability for damage caused to the third parties by use of a motor
vehicle have been prescribed in detail. These Laws also contain numerous
changes that were introduced with purpose of protection of the third parties who
have the rights from this contract. Due to outstanding importance and respect of
the public interest, limitation of market competition in the matter of mandatory
insurances in our country is still in force. One of the most important changes is
enactment of the provisions that limit the state intervention in determination of
prices of the insurance premium and prescription of the policy terms and
conditions. By these provisions the gradual liberalization and deregulation has to
be implemented. Freedom of determination of the premium tarrifs and policy
terms and conditions is guaranteed by the EU legislation on insurance. Although
these new Laws initially prescribed the strict deadlines for process of
liberalization, by recent Amendments on the mentioned Laws these deadlines
were postponed for one year. Having in mind the nowadays global changes in
political and economic field, we come to a question whether the market of Bosnia
and Herzegovina is ready to face with the chalenges that liberalization might
bring, or should this process be postponed for some more time.
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